Many countries have now made it mandatory for tourists to have medical insurance before arriving in their country. Getting medical travel insurance is very important before you embark on your travels. The costs of healthcare tend to vary from one country to another. For instance, if you are travelling to the United States, the costs of healthcare are extremely high. What if you sustain an injury or contract an illness on your travels? Most of your travel budget would be spent on getting healthcare and treatment. Even though the chances of getting ill or injured on your trip aren’t very high, it’s always best to protect yourself.

It’s best not to spend a lot of money on buying travel insurance. Rather than purchasing a policy with an inflated premium, it is recommended that you compare quotes for travel insurance in order to find the most affordable option. The insurance premium generally varies based on several different factors.

Factors that Determine Your Insurance Premium

There are several factors that determine your insurance premium. The first thing the insurance company will look at is your age.  Obviously, the insurance company will want to minimise its risk as much as possible. If you are younger and healthy, the insurance premium will be lower. Most insurance companies don’t even offer insurance to people over the age of 50.

So, does this mean that people over 50 can’t travel? That’s not true. There are certain companies that exclusively offer insurance policies to people who have medical conditions or are over the age of 50. Here are a few tips that will help you get the best insurance policy.

Use a Comparison Website

Using a comparison website is perhaps the best option for people who want to buy an affordable policy without having to make a lot of efforts. There are plenty of insurance comparison websites that have associations with insurance companies. When you visit the website, you might be asked to make an account in order to use the website’s services. Make sure you enter accurate details while making your account, so that the premium rates are accurate. If the details are found to be inaccurate later on, the company will revoke your insurance policy.

The next step is to enter details of your trip, such as the duration and the destination. You will also need to go through an online medical screening, where the website will ask you a series of questions in order to determine the severity of your condition. You might also be asked to go to an independent doctor for a medical check-up in some cases. Once the medical screening is complete, you will be able to see provisional insurance policies that you can choose from. The whole process can be completed directly on your computer screen. Once you purchase the policy, the company will ask you to sign some forms before mailing you the policy.

 

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