Please note that most regular health insurance plans provide partial or no coverage when traveling abroad. In some cases, credit cards insurance might include coverage for trip cancellation (with limitations) but rarely for medical expenses or evacuation.
The Totem crew strongly suggests you purchase travel insurance coverage at the time of booking. Depending on the plan you choose, your travel insurance can cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage.
Most travel insurance will pay medical expenses up to the benefit limit when you face a medical emergency while traveling. When choosing the right plan for your needs, it is important to pay close attention to whether your travel medical insurance is primary or secondary, and also the way it covers pre-existing conditions.
The sooner you purchase your travel insurance plan, the better! The ideal is within days of making your initial trip deposit. There are many benefits to purchasing the plan early, including maximizing the period of cancellation coverage and being eligible for pre-existing condition coverage.
If you want to learn more about travel insurance or start quoting and comparing policies, you can check out this website.
For detailed info about insurance matters, please check out our dedicated Travel Tip!