The fine print states that you will be reimbursed for no more than 75% or 50% of your total travel expenses. In any case, it allows you to cancel for any reason and receive a partial refund.
Get Enough Health Insurance and Air Ambulance Coverage
Having access to travel medical insurance and emergency medical evacuation coverage is a major perk of purchasing travel insurance. There’s always the chance that something bad will happen to you when you travel. The costs associated with a health emergency might become prohibitive very fast.
Keep in mind that domestic health insurance plans purchased in the United States are typically not recognized abroad. Neither is the Medicare program. Because you will likely have no health coverage outside the U.S., a travel insurance policy provides a safety net.
Visits to the doctor, emergency room appointments, surgery, medications, and even ambulance rides are all included in the medical expense portion. Having emergency medical evacuation coverage can be a genuine lifesaver if your illness requires transfer to a specialty hospital beyond the scope of standard medical care.
In a situation like this, you won’t want to be stuck in a remote or unknown area trying to figure out what to do. This perk covers plane transport to a hospital or clinic of your choosing, or even repatriation to the United States if you’re in dire need of emergency medical care.
If you were to foot the bill yourself, you may be looking at a sum of $100,000 or more in more remote areas. The most comprehensive policies cover medical care costs up to $500,000 and cover medical evacuation costs up to $1 million.