How to get health cover when travelling abroad

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International travel is opening up gradually. This will drive the demand for travel insurance. Even if travel insurance is not mandatory in the country where you are flying, you should still have it. Travel insurance supports you in case of a health emergency in a foreign country. It becomes all the more important in the current situation when the fight against Covid-19 is far from over. Money9 Helpline received the following query from a reader:

My husband and I are planning to visit the US for two months. Please suggest a health insurance plan for my husband which will cover him when we are there. How much should he insure for? He is 65 years old. What are the inclusions, exclusions, and other important things we should be aware of?

– Sunita Pant

We approached Naval Goel, Founder &CEO, PolicyX.com to address it.

Travel insurance would be a good option for your husband and you as travel insurance gives complete coverage to travelers against all nature of uncertain risks including health protection such as hospitalization expenses, in-patient cover, additional sum insured for accidental hospitalization, and many more.

These days Covid coverage is also available in travel insurance that you can avail easily by paying an extra premium. Considering the current conditions, it is quite important to include COVID19 coverage especially while traveling abroad.

Travel insurance policy start date shall be from the 00:00 hours of the next day of the proposal receipt at the branch, proposed policy period start date opted by you or cash received date/instrument date, whichever is later. The sum insured is decided in dollars considering it is the currency of the traveling city and it ranges from 25000 dollars, 50,000 dollars and 1 Lakh dollars.

It is vital to consider the current and past health condition of your husband and avail of travel insurance as per his health demands. You must check that the travel insurance policy provides the coverage required for him due to pre-existing diseases.

The coverage of the best affordable travel insurance also depends on how the trip is planned. If your husband is engaging in adventure sports that are very intense and can have high risks, then the overseas travel insurance policy might have restrictions regarding their coverage as well.

Alongside, you must also select travel insurance for yourself as you are also traveling with him and you also contain the same amount of risk while traveling. Hence you must avail of travel insurance for yourself too.