Buying, Comparing, & Claiming International Travel Insurance – Toggle / Japan, USA, Europe Travel
One of the most important things to consider when traveling abroad is international travel insurance. In fact, it can seem like it’s a waste of money when you’re traveling and nothing happens to you. However, once you’ve been in an accident or had your belongings stolen, that idea quickly fades. Often, it only takes one of these situations to pay for itself, and that’s what insurance is all about. In my personal travels, I’ve been mugged, stolen, and had a few accidents, so I know firsthand the benefits of having travel insurance.
When I was severely burned while traveling in Indonesia, the local and domestic hospital bills alone were over $400,000, and when I went to the hospital emergency room for my child’s illness while traveling in Hawaii, the bill was over $1,000,000 for a simple examination and prescription. An acquaintance of mine who had to have an appendectomy while traveling in the U.S. paid a whopping 45 million won. He was able to get it down to 32 million won with a lump sum payment from his insurance company, but he had to pay an additional 2 million won because his insurance covered up to 30 million won. Other things like theft are all too common in places like Europe. Even in relatively safe destinations like Japan, you may find yourself in the hospital due to illness rather than injury.
It’s not just a matter of buying travel insurance, it’s also important to look at what’s included in your policy. Depending on the insurer and the type of policy, you could be covered for as little as $10 million or as much as $100 million. There’s no specific insurer that’s better! but it’s best to look at the coverage details.
You can also check the price of overseas travel insurance through the insurance price comparison tool provided by DriveTravel with a toggle.
International travel insurance price comparison, Toggle x DriveTravel [more]
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Compare overseas travel insurance prices by simply entering your travel dates, birthday, and gender. You can easily enroll not only yourself but also your family, so you can compare and enroll conveniently on your PC or mobile. You can also compare prices and coverage from multiple insurers, so you can get the best deal.
If you’re traveling for a short-term trip of three to four days, you can usually get away with the cheapest policy that covers around 10 million won. However, if you are traveling to a country with relatively high medical expenses (such as the United States or Europe), it is recommended to purchase an insurance product with a high coverage cost, especially in the United States, where it is recommended to purchase a product that covers more than 30 million won. 닥터규의 정보도서관
Also, you can’t buy travel insurance when you’re abroad, so you must buy it when you’re in Korea, and the time is just the time of departure and arrival.
In addition to illness, injury, and theft or damage to your belongings, international travel insurance covers a variety of other situations, including flight and baggage delays, liability, and the cost of replacing a lost passport. Of course, different policies cover slightly different things, so it’s important to review your policy’s coverage details.
You’ll also want to make sure you have the right documents to file a claim if you need to use your travel insurance in the field. Every insurance company is slightly different, but here’s what you’ll need in general. Of course, it’s always a good idea to double-check with your insurer before you leave to see what they require in the event of a claim.
Sickness/injury – hospital receipts, details of medical bills, diagnosis, or first doctor’s note.
Theft of your belongings – a police report, receipts for the items, and an inventory of the damage.
Damage to your belongings – receipts and estimates for repairs, and receipts for items purchased.
In addition, it is not necessary to enroll in multiple insurers because it is not possible to receive duplicate compensation, but proportional compensation.