Short Term Health Insurance Travel Tips

Let's face it: travel insurance is not the first (or even tenth) thing on your mind when you plan your trip. It's much more enjoyable to pore over guide books looking for that perfect beach to lay on, than it is poring over premium payments to send your mortal remains home. Still, as sexy as the rest of travel planning may be, a solid short term insurance policy is a must have for your trip. Here is a list of tips that will help you find the right short term travel policy: It is vital to purchase a policy that will cover the cost of a medical evacuation (one of the most expensive outcomes possible). Consider this: the cost for a medical evacuation in Thailand is just over $60,000. How's that for a travel bill? It's important to purchase your policy prior to your trip, as this way you will be covered for its entire duration. Before you buy short term health insurance, find out if you already have coverage from family members, your job, or any state sponsored programs. In addition, you can purchase an insurance policy from a travel agency or a student association (if you are under 25 years old in the US). Alternatively, you can contact your credit card company. Generally, they will cover at least some of your travel expenses if you paid for them with their card.  Make sure to read the fine print. Many insurance companies do not cover dangerous activities such as scuba diving, sky diving, or even high altitude trekking. Assess what your belongings are worth, and compare with the premium payments. This will help you determine whether theft insurance is worth it.