When we get to travel to another place we must think about all the details, especially in terms of paperwork and insurance. The health coverage is something we should always look at, to be covered in case something happens to us in another country, since medical bills can be really high.
El international travel insurance It is necessary in those countries where we do not have health coverage, so we must inform ourselves in advance when traveling. Currently there are also different travel insurance to choose from that cover various contingencies.
European sanitary card
If we travel within Spain we can use our health card. The health card of the autonomous community of origin enables us to receive assistance throughout the national territory. However, we must bear in mind that if we leave Spanish territory we will have to be covered by other insurance. In the case of European spaces, we can use the European Health Card or, where appropriate, the Provisional Substitute Certificate of the card. This certificate is issued if the transfer is immediate and we do not have time to request the card and wait for it to arrive. They also give it to us in case we are not trading at that time.
What is international health insurance
Private health insurance covers sickness situations, but we must know very well what each thing covers and where. The private medical insurance It usually covers us in the country where we buy it, which is usually the country of origin, so if we go abroad it will no longer cover the health expenses that may be incurred in another country. If we have health coverage with the social security system we are in the same problem, and it is that they will only cover us in our country. That is why when going abroad, in this case outside the European Union, it is very important to get international travel insurance.
This travel insurance provides us international medical coverage. In other words, regardless of whether we are in the country, it will help us to cover healthcare expenses arising from emergency situations and illness. These insurances can also cover other situations when we travel abroad. From the theft of our wallet to the suspension of travel or a period of hospitalization. It all depends on the type of insurance chosen and the coverage you have.
Why choose international travel insurance
It is very important to have this type of insurance for several reasons. One of them is that we cannot always plan everything that happens. On accidents happen sometimes, so in that case we will be happy to have good insurance to cover us and avoid huge medical expenses. In addition, in some countries it is necessary to have this type of insurance to be able to enter them, so it is a requirement that may be essential. In case we have the European Health Card, it may also be a good idea to have insurance, since this insurance not only covers health care, but also repatriation and cancellation of flights. These costs that cause some problems will not be covered by the European Health Insurance Card, which focuses on health costs.
Choosing the best international travel insurance
When buying international travel insurance we must look at the existing possibilities and what it does cover. In general, they tend to have health care in case of sudden illness and emergencies, although they would not cover existing illnesses. On the other hand, we can see if it covers flight cancellations, repatriations and other details such as the loss of luggage or the theft of it. We must bear in mind that the more coverage you have, the more expensive this type of insurance will be. The ideal is to compare several and acquire the one that best suits our needs and the type of trip we are going to do.
If we go to perform risk sports or some type of activity, we must always check that this is covered by the insurance, as many do not cover activities such as diving or mountaineering. If we are going to do extraordinary activities, it is better to see in advance if they are going to be covered by the insurance. On the other hand, you also have to take into account that there are insurances that are contracted for days, others for weeks, months and even for the whole year. It all depends on how much we travel.
How to proceed with insurance
If something happens to us, insurance usually have 24-hour phone numbers. In these numbers they will tell you what you have to do. In any case, you should always keep all the documents and reports you have in order to prove that there was a theft or an accident. To be sure, scan them or send them to a relative's email so that they are well stored and thus be able to send them to the insurance.