Group Health Insurance California and Travel Insurance All in One

IGroup Health insurance California provides many beneficial health services to its members including visits to the doctor, prescription drugs, and preventative care. Many group health insurance California plans also take into account dental care and vision care. Some plans go even further and make travel insurance an option for their policyholders.

If you are planning a trip check with your group health insurance California plan well in advance to see if there are provisions for travel insurance. Travel insurance is by all accounts a “combination of trip-cancellation insurance and 24-hour emergency assistance.” If you run into a problem such as you have to change your ticket and return home earlier than expected or if you have to have your money refunded because you must cancel your trip then travel insurance through your group health insurance California makes it possible.

The key to travel insurance is knowing what your group health insurance California allows for and what it doesn’t. Before you rush out to purchase travel insurance check your current policy as well as your credit cards to see if you already have provisions for luggage that gets lost, unexpected expenses while on vacation and tickets that must be cancelled.

There is more than one type of travel insurance so if your group health insurance California policy has it find out what type it is. Be aware that all travel insurance is not the same. It tends to vary according to your present level of health, your age, where you are going to, how much your trip costs and how long you will be gone for. For example you can purchase what is known as terrorism insurance for dangerous places in the world. If you plan to take a cruise you might want to invest in emergency medical transportation insurance.

Look at your insurance policy and see if it includes any of these things- international medical insurance, accidental death and dismemberment, repatriation of remains, family travel benefits and emergency medical evacuation (which includes such things as helicopter transport). Whoever you choose to purchase travel insurance from, always make sure that there is a 24-hour hotline service to serve you if you need it. Do not purchase trip-cancellation insurance from the airline or tour company and never buy more travel insurance than you will need.

If you plan a trip and decide to take your chances and not buy travel insurance do so at your own risk. Be aware that a great deal of thefts that take place while away from home, as well as injuries that occur while traveling are not completely covered by your health insurance, your home owners insurance or your credit card company.