Different programs offer different levels of coverage. When traveling to remote destinations or to a destination with an expensive medical system be sure to choose a program with high medical and evacuation coverage so that you are fully covered. Choosing a primary policy (vs. secondary coverage) will ensure that you will be eligible for admission guarantees, payment in real time to medical providers, fast claim processing and a clear claim history with your medical provider back home. Furthermore, make sure to choose the trip cancellation coverage that matches the full cost of your trip, so that in case of a cancellation or interruption, your investment will be covered in full.
Insurance premiums are calculated based on the level of medical coverage offered, duration of travel and cost of trip. The age of the traveler might affect the premium as well with some programs. Its important to consider additional programs and coverage options that are offered during the enrollment process, which might provide you with a more comprehensive package of benefits for your upcoming trips.