one way travel insurance

Benefits Of Long Stay Travel Insurance

A long stay travel insurance policy is as the name suggests, an insurance policy that gives cover for those travelers who go abroad for longer periods of time. This insurance policy is most often availed by backpackers, students and those who have taken up jobs abroad. Long stay travel insurance policies are usually given for a year and some insurance providers also let you extend the cover for an additional 6 months.

If you’re going to be away from home for a long time and in case you do fall seriously ill, your insurance plan will take care of any medical expenses that you incur. These expenses will include hospitalization costs and some even include dental treatment. Medical expenses are very high in many countries abroad and having insurance cover to cover these costs is very helpful.

You must mandatorily declare any pre-existing medical condition that you may have at the time of taking out your long stay travel insurance policy. If something should happen to you while you’re away, the insurance provider will refuse to cover the medical expenses if this information was not made available to them initially. This would mean that you would have to end up paying all those expensive medical bills yourself

In case of any other emergency, you can call up the insurance provider’s helpline number and the customer care department will ensure that your worry is wiped away. For example, you can call this number if you have lost your way and need directions or if you have been mugged and need some emergency cash. You can also call the helpline in case someone needs to be hospitalized and you require the services of an ambulance.

Another benefit of a long stay travel insurance policy is that you get cover for flight delays or cancellations and loss of baggage due to damage or theft. Flight delays are not unheard of given the fact that weather conditions in some countries are extreme. In case of a major flight delay, the insurance cover ensures that you are comfortable as you are given reimbursement for food and refreshments while you are awaiting departure. In the event of a flight cancellation, your insurance cover will make necessary arrangement to get you a seat on the next flight out to your travel destination.

With regards to loss of baggage, you get cover for personal belongings like any jewelry, your laptop, camera and others. Declaration of expensive items is a must to avail of cover in such circumstances. In case of theft, you are required to register a complaint at the local police station where ever you are within 24 hours of the incident to avail of the cover.

There are many long stay travel insurance policies available and you can get one customized to suit your travel requirements. Most people usually ignore the terms and conditions when signing up for various things but when it comes to travel insurance, this is a must. It is only by reading the fine prints that you will be assured that all your travel requirements are covered. To know more about long stay travel insurance visit http://www.duinsure.com/travel_insurance/backpacker_travel_insurance