Did you know? Travel insurance abroad is actually health insurance

The basic coverage in a travel insurance policy abroad is for various medical expenses that you may have while staying outside Israel. Various extensions can be added to this coverage to create personalized insurance

When you travel abroad, you are probably worried: What will happen if your suitcase accidentally arrives at another destination, if your computer is stolen?

All of these are coverage options within the framework of travel insurance abroad, but the most important coverage is medical coverage.

Yes, travel insurance abroad is first and foremost health insurance, designed to cover medical expenses that you will have while staying outside the borders of Israel. In practice, all the health insurance you have is not valid from the moment you leave until the moment you return.

Basic coverage: Medical expenses abroad

As of 2017, the date of implementation of the travel insurance reform, the basic coverage in travel insurance abroad is medical coverage.

What does the coverage include?

Medical expenses – doctors, clinics, hospitalization

Medicines

Emergency dental treatments

Evacuation to hospital

Flying a companion from Israel

Medical flight to Israel

Pregnancy diagnosed abroad (up to week 12)

Third-party insurance

Search, rescue and recovery

All components of the basic coverage are mandatory, except for the last two which must be included, but can be removed from the policy upon request – on a shopping holiday in London there is really no need for search, rescue and recovery coverage.

When going on a vacation with increased risks, such as a skiing holiday or an extreme holiday, it is important to expand the medical coverage accordingly, through dedicated extensions.

Additional medical extensions are intended for travelers with unique medical needs, such as pregnant women and people who have had a medical event prior to their trip that requires monitoring, or who suffer from chronic medical problems – a worsening of a previous medical condition while abroad.

Coverage for items of property (luggage)

After you have taken care of your health, you can also start taking care of your luggage and luggage, using special extensions for luggage, and your personal computer, which has become a “must-have” item in recent years, not just for business trips.

Those who rent a car abroad can also add coverage for cancellation of the deductible for a rented car to their travel insurance policy, in the event of a car accident or theft of the rented car.

Coverage for trip cancellation or trip shortening

When you plan a trip or vacation some time in advance, and guarantee yourself the tourist services, and even pay part or the full amount, it is worth taking care of the case that you will have to, God forbid, cancel the trip. It happens.

For this purpose, there is an extension for trip cancellation, which must be purchased close to the date of purchase of the tourist services, and no later than 7 days from the date of purchase of the tickets.

There is also an extension for trip shortening, in case you are forced to return to Israel before the planned date.

As you can see, travel insurance abroad is a flexible and smart insurance product, which allows you to adjust the coverage to the nature of the trip and the composition of the passengers. It is recommended to consult with the insurance agent prior to each trip, in order to ensure the correct and optimal coverage.

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Have a good trip and a pleasant vacation.