Things to consider when buying travel insurance
If you have a Medicare Advantage or Medigap policy already, you don't have to worry about international travel insurance since your plan has you covered for that too; you just have to make sure your credit card limit is quite high since you do have to pay fully out-of-pocket first and then upon your return to the states you can submit your paid bills to the insurance company and get reimbursed.
But if you do not have one of these policies and you're looking for a good travel insurance plan, here are some things you should keep in mind, according to Reviews.com:
"How We Chose the Best Travel Insurance
Travel coverage comes in many shapes and sizes — some providers sell only medical, while others let you customize your plan around a few specific risks. But to truly be the best, a company should offer a policy with five major coverage options, even if you don’t end up buying them.
The best travel insurance should cover:
Emergency medical care
Medical evacuation and repatriation
Baggage/personal item loss and delay
24/7 worldwide assistance
The five general coverage types form a comprehensive plan, but the specific benefits within them can vary. To see how they stack up, we combed through each company’s policy details and scored them on both available options and generosity of coverage. We gave extra points to generous providers such as those who provide the option to “cancel for any reason” and free coverage for children."
You can read the complete post here.