When planning an exciting adventure trip, it is essential to make sure we are protected in case of any eventuality. Adventure travel often involves high-risk activities and exploration in challenging natural environments.
International health insurance
If you have health insurance with international coverage, it is likely that you will not consider taking out travel insurance, as it is common to think that any incident will be covered. However, there are many differences between these two types of policies:
Coverage: As its name suggests, medical insurance is designed to guarantee health care, which is essential when traveling. However, medical care is not the only aspect you should insure when traveling. Other coverages, such as baggage, problems with the means of transport or cancellation, are essential and can only be found in policies specially designed for travel. In addition, travel insurance includes some health-related coverages that are not usually included in medical policies, such as repatriation of the sick or deceased.
Health care: Medical and travel insurance also differ in the way in which they provide health care to the insured. With travel policies, you will have the option of contacting the insurer 24 hours a day, so that, in the event of a medical incident, the insurance company will take care of all the arrangements. In these cases, in addition to being informed about the health center to which you should go, the insurance company will cover the expenses immediately, without you having to make any advance payment of medical expenses. This is especially important in countries such as the United States, Australia or Canada, where medical care is very expensive. In general, health insurance companies usually operate on a medical reimbursement basis.
