Travel health insurance [closed]

How does travel health insurance exactly work? As far as I've understood, I apply online for the insurance with some travel details, pay the related fee, receive the receipt in my mailbox, print several copies of it and then travel with it. But how does it work? If I feel ill for some reason in a healthcare expensive country like the US for example and I need urgent treatment, can I just enter a hospital with a copy of the receipt and be free of charges? I'd like to apply, in case, for Allianz, because they state that they directly pay all the expenses in case of need without letting the holder pay in advance and receiving a refund afterwards.

usa insurance

Best Answer

You should contact the insurer for details on how it works and what is covered and when/how/what to pay.

Normally when you go to a hospital, when filling out the various forms, you enter your insurance information.

Anecdotal: My parents were in Italy and my dad had a heart operation (needed to install a pacemaker) The hospital stay and everything medical was paid up by the travel insurances (it is between them and the hospital).

Other non-medial expenses like new plane tickets, transfer to the airport and hotel room near the airport (they had to cut short their vacation) and other things like that were paid by my parents and then reimbursed by their credit card insurances.

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Does travel insurance cover cancelation?

Cancellation cover is included as part of most travel insurance policies. It'll compensate you for some or all of the cost of your travel expenses \u2013 flights, cruise, hotel, excursions and so on \u2013 if you've had to cancel your trip because of unexpected circumstances.

What travel insurance will not cover?

Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.

Is health insurance required for travel to us?

Technically, no. If you are traveling to the US for a short period of time, you are not required by law to have health insurance. However, the price of healthcare in the US is very high, so while medical insurance for visitors to the US is not mandatory, it is highly advisable.

TRAVEL HEALTH INSURANCE | WHERE CAN I GET RELIABE TRAVEL INSURANCE | DIGITAL NOMAD

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