If you’re traveling abroad, you might be wondering, “Does travel insurance work?” If you’re not sure what to expect, you should get a quote from your insurance company. Many policies have a minimum period of time before which you must have a pre-existing medical condition to be covered. That looks like anywhere from 90 days to a year before you travel. Many plans, however, do cover pre-existing conditions, as long as they are detected within 15 days of your first deposit.
The best way to know if your policy will cover your needs is to contact your travel insurer as soon as possible after experiencing a major disruption. Make sure you understand the details of the policy and keep meticulous records. For example, if you are traveling with children, you will need to submit a doctor’s note with copies of all of their bills. If you are traveling for work, you should include a letter from your employer. Your insurer will want all of this information.
Your travel insurance company should reimburse you if you are injured on your trip or you suffer an illness or accident while traveling. You should keep the receipts, too, as you need them to verify that you are indeed covered by the policy. If you’re traveling by yourself, it’s a good idea to take a trip-planner with you. They’ll be happy to help you figure out which policies have extra coverage.