Travel Medical Insurance for Extended Travel Abroad

Significance & Benefits of Travel Medical Insurance

With the help of the right overseas travel medical insurance, you can save a lot. . A travel medical insurance can cover emergency medical care, consultancy charges, expenses for prescribed medicines , surgery & dental charges, medical assistance in case of an accident, etc. 

Here is the list of benefits, which you can avail from travel medical insurance when travelling abroad.

1. All kinds of potential risks related to health are covered under this, so you can enjoy your holidays.
2. You are protected in the event of an emergency evacuation, even in a political crisis. Most overseas travel insurance policies have international assistance and arrangements for emergency/medical evacuation of travellers.
3. Your travel medical insurance provider can help and navigate in your native language while you are in a foreign land.
4. Moreover, many insurance companies also provide additional coverages in your existing plans, like- legal assistance and repatriation in case of illness, accident, or death.

What Happens When You Extend Your Travel Plans?

Usually, while travelling abroad, you purchase a travel medical insurance policy for the time you will be there. But, what if you extend the duration of your travel due to an emergency?

While travelling overseas and holding valid travel insurance, you might have to extend your travel policy for two main reasons-

• Planned trip extension-when you reschedule your return date as per your pre-decided factors.
• Emergency trip extension-when you have an emergency, so you want to extend the trip. 

In either case, it makes sense to insure yourself for any unforeseen medical mishaps such as emergency evacuation, medical emergency, and other likely scenarios.

Documents Required for Travel Medical Insurance Extension

To extend your insurance policy, firstly, you must hold a valid travel medical insurance policy that you had before the commencement of your journey. Once you reach your destination without carrying any travel insurance policy, you cannot obtain it abroad. For any medical emergency reasons that you might face, you have to submit a medical certificate as valid proof to the insurer for extending the policy.

Process to Extend Travel Medical Insurance Policy

For extending your travel medical policy, here are some steps you need to follow-

1. Intimate your insurer with a call or send them an online request explaining your situation and mentioning the reason for your extension. 
2. Provide information about your current policy and current medical conditions (if any). 
3. After this, you will have to pay an additional premium for the extended period.
4. Make the online payment through any mode- credit card, debit card, or online banking. 
5. After receiving the premium, your insurer will send an endorsement of the extension of your policy via email.

Why Should You Extend Your Existing Policy?

When you do not have a confirmed return date, or there is an emergency that occurred in your stay, extend your existing travel medical policy.

Here are some of the benefits of an extendable policy:

• It is a fast online process.
• You won’t have to worry about any unforeseen expenses.
• The date of expiration extends but all terms and conditions remain the same.
• Extending the insurance policy will make your trip risk-free and hassle-free.

Points to Remember for Travel Medical Insurance Extension

Here are some other points to remember for travel medical insurance extension-

• The rules for travel insurance extension differ from insurer to insurer, so read all the policy documents, terms & conditions, additional premiums, extension fees, etc.
• The extension period also varies with different insurers. You can extend your policy up to 1-2 weeks, depending upon the reason for the extension.

Conclusion 

When the situation is not in your control in a foreign land, extend your travel medical insurance. Your insurer will accept the extension request without any hassles on providing a valid reason along with proof. Buy medical travel insurance and have a tension-free trip.