Taking a trip to another country is often exciting, and Florida is one of the top tourist destinations in the world. The key to a good trip is knowledge and planning. It is important to account for the possibility of accident or illness. It is possible to find quality medical care throughout the country, but costs are often exorbitant without insurance. Before you travel to Florida, check with your insurance company to determine what is covered on an international vacation. Often, buying extra travel insurance is a good idea, but it can be confusing. Here is a brief introduction to international travel insurance.
Types of international travel insurance
Travel protection and trip cancellation insurance usually covers you if you have to cancel a trip at the last minute because of an accident or illness. These policies may also cover lost baggage and some medical expenses. And international medical insurance covers most expenses if you need emergency care. Following are some terms you may encounter when exploring travel insurance options:
- Maximum policy coverage — The maximum amount of expenses your insurance company pays, which can be an umbrella maximum or maximum for each incident
- Deductible — The amount you must pay before your insurance company begins to cover expenses, which can be per year, trip or incident
- Co-pay — The amount you must pay for expenses after you reach your deductible
- Exclusions — Expenses not covered by insurance, such as injuries resulting from illegal or dangerous activities or preexisting conditions
- Emergency medical evacuation and reunion — Expenses covered by your insurance company if you need to be transported home or to appropriate medical care, or expenses covered to bring a family member to the injured person during an emergency
- Repatriation benefits — Expenses covered by your insurance to bring a deceased traveler’s body home
Travel insurance plans can cover one trip, multiple trips or trips taken within one year. You can also decide whether to cover one person or your entire family under one plan.
If you have any questions about your international travel plans and the type of insurance that is best for your situation, or if you were injured in Florida and are concerned about your coverage, call an experienced personal injury attorney about your legal options.