International travel can be an exciting and enriching experience, but it can also be unpredictable. In case of unexpected events such as accidents, illnesses, or medical emergencies, international travel medical insurance provides financial protection and peace of mind. As a Kenyan traveler, it’s important to understand what international travel medical insurance is, what it covers, and how to purchase it. In this article, we’ll answer some frequently asked questions about international travel medical insurance for Kenyan travelers.
Contents:
- Definition of travel medical insurance ↴
- What international travel medical insurance covers ↴
- The cost of international travel medical insurance ↴
- Exclusions of international travel medical insurance ↴
- How to buy your international travel medical insurance ↴
- Conclusion ↴
What is international travel medical insurance?
International travel medical insurance is a type of insurance policy that provides coverage for medical expenses and emergency medical care while traveling abroad. It’s designed to help travelers who may not have access to their regular health insurance while outside of Kenya, or who may need additional medical coverage while traveling.
What does international travel medical insurance cover?
International travel medical insurance typically covers the following:
Medical expenses: This includes expenses related to illness or injury while traveling, such as doctor visits, hospitalization, prescription medications, and medical evacuation.
Emergency medical care: This includes emergency medical treatment for sudden and unexpected illnesses or injuries while traveling.
Trip interruption or cancellation: This includes coverage for non-refundable travel expenses in case of trip interruption or cancellation due to unforeseen events such as illness, injury, or death of a family member.
Lost or stolen baggage: This includes coverage for lost or stolen baggage and personal belongings while traveling.
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How much does international travel medical insurance cost?
The cost of international travel medical insurance varies depending on several factors, including your age, health status, destination, duration of travel, and the level of coverage you choose. Generally, travel medical insurance policies are priced based on a daily rate, which can range from a few dollars to more than $100 per day. It’s important to compare policies and prices to find the right coverage for your needs and budget.
Are there any exclusions to international travel medical insurance coverage?
Yes, there are typically exclusions to international travel medical insurance coverage, including:
Pre-existing conditions: Many policies exclude coverage for pre-existing medical conditions, or may only provide limited coverage for these conditions.
High-risk activities: Some policies may not cover injuries or accidents that occur as a result of high-risk activities such as bungee jumping, skydiving, or scuba diving.
War and terrorism: Many policies exclude coverage for injuries or accidents that occur as a result of war, terrorism, or political unrest.
Reckless behavior: Some policies may not cover injuries or accidents that occur as a result of reckless or illegal behavior, such as driving under the influence or participating in dangerous activities while intoxicated.
Non-essential travel: If you travel to a destination that has a travel advisory or warning in place, your travel insurance policy may not cover you for any incidents that occur while you are there.
It’s important to review the specific exclusions of your travel insurance policy carefully before you purchase it to ensure that you understand the coverage limits and exclusions.
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How do I purchase international travel medical insurance for my trip from Kenya?
There are several ways to purchase international travel medical insurance for your trip from Kenya, including:
Online travel insurance providers: Many companies offer travel medical insurance policies that can be purchased online. Be sure to compare policies and read reviews to find a reputable provider.
Travel agents: Many travel agents offer travel medical insurance policies as part of their services. They can help you compare policies and choose the right coverage for your needs.
Credit card companies: Some credit card companies offer travel medical insurance as a benefit for cardholders. Check with your credit card issuer to see if this is an option for you.
Insurance brokers: You can also work with an insurance broker to find and purchase travel medical insurance. They can help you navigate the different policy options and find coverage that fits your needs.
In general, it’s a good idea to purchase travel medical insurance as soon as you book your trip, to ensure that you are covered for any unexpected events that may occur before or during your trip.
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Conclusion
International travel can be an exciting and enriching experience, but it’s important to be prepared for the unexpected. International travel medical insurance provides financial protection and peace of mind in case of accidents, illnesses, or medical emergencies while traveling abroad. As a Kenyan traveler, it’s important to understand what international travel medical insurance is, what it covers, and how to purchase it. By taking the time to compare policies and purchase the right coverage for your needs, you can travel with confidence and enjoy all that the world has to offer.