On Being Insured
If you do decide to buy travel insurance, look for a plan that includes the following:
* Treatment for emergencies AND illnesses. Some plans also feature a small benefit (say $100) for dental emergencies.
* Emergency medical evacuation.
* Trip interruption (which usually only covers you in case of the death of an immediate family member or damage to your primary home).
* Policies with small deductibles ($100 or $250) and co-pays (most international insurance pays 100 percent of medical costs).
Shop around for the best rate, first of all. Many comparable plans have a wide range in costs. What is more important, however, is to scrutinize the exceptions to see what will NOT be covered. That is where most people get unpleasantly surprised when they get treatment, then later learn it was not covered.