Travelling is fun, but getting sick is not. When these two things combine, it can cause a problem. Falling sick while you are on a trip can actually shake your travelling budget because of the out-of-pocket expenses.
The biggest problem that most people face is the barrier of language and currency. It can prevent you from getting the high-quality medical services at reasonable payment. It was never more important to get travel medical insurance than it is now. There are many factors that play a part in the cost of health expenses while you are away from your home.
Why Is Travel Health Insurance Necessary?
You can control a few things in your life but most of them are not in your hands. One of them is your health, you can’t really control your body and health while you are on a tour of some other country. Here are a few reasons why international travellers need to get medical insurance while they are on their journey.
A traveller can’t control the weather, the food they eat, the places they go or the hygiene. In this way, they can’t control their health and can end up getting sick no matter how much they have prevented it.
As compared to the medical costs for international tourists, the premiums of health insurance are much more affordable. As a traveller, you have to pay more than the natives, but if you buy an insurance policy, it will save you a lot of money.
People usually misunderstand that they have health insurance included in their trip, while it is not usually. Not all travelling companies provide health insurance and the person has to pay costly medical bills.
Cost of Travel Health Insurance
As a traveller, you might be wondering if premiums of a travel health insurance plan are worth the cost or not. To your surprise, most of the average plans don’t cost more than $3 for a day. These plans cover beyond the basic health treatments or visits to the doctor.
Factors that Affect the Cost of Travel Health Insurance
The cost of the plan you are buying can be determined by different factors. We have listed them down for you to evaluate what you will have to pay in case you need medical insurance as a traveller.
What is Your Age?
The age of the traveller can highly affect the cost. The young traveller is less likely to get ill as compared to an old one so they have to pay lesser premiums. This is one of the primary cost-determining factors.
Where Are You Traveling To?
The other major factor is your destination. The currency in that country can vary and also the medical expenses. Usually, these expenses are higher for the traveller as compared to the natives.
How Long Are You Going to Stay?
The shorter your trip is, the lower you will have to pay. There are also some long-term health insurance policies for the traveller who are going to stay for a year or more.