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Travel Insurance In El Salvador

Travelers to El Salvador should consider investing in travel insurance, an important tool to protect yourself against financial losses that can arise from medical expenses, theft of valuables, trip cancellations, and more.

There are many El Salvador travel insurance products on the market. Doing your homework pays off, so be sure to research which policy best suits your needs. In addition, make sure you do not already have travel insurance coverage through your homeowner's policy, medical insurance or credit card.

Medical Insurance in El Salvador

Medical expenses are the most costly unexpected expenditures for travelers. A good medical insurance policy should offer you a lot of elbow room for medical expenses, as well as provisions for emergency evacuation in case you need specialized treatment back home. Hospitals in El Salvador hospitals will require payment up-front, sometimes in cash, no matter if you have insurance or not. Make sure to request receipts, or else you will have a hard time processing your insurance claim.

If you plan on participating in any outdoor activities, make sure your travel insurance covers your pursuits. Many El Salvador travel insurance policies do not cover medical expenses incurred during adventure and extreme sports, so check that you are covered for any activities you may try before you buy.

Lost or Stolen Items in El Salvador

The bulk of travel insurance claims in El Salvador relate to lost or stolen items. It's important to cover the value of any goods you bring with you on your trip, including iPods, laptops, and expensive phones. Generally speaking, the cost of your insurance policy will be directly proportional to the amount of coverage you receive.

If you are a victim of theft, be sure to fill out a police report within 24 hours of the crime and obtain a copy of the report to submit with your insurance claim.


Student Travel Insurance in El Salvador

If you plan on studying abroad in El Salvador, it is highly recommended you get travel insurance coverage. In fact, many universities and programs require proof of insurance or ask you purchase their special policies.

A few specialty student insurance policies will cover things like course-fee refunds if you are ill or have to leave the country. Such policies also usually cover laptops and cameras that students typically tote with them, as well as medical expenses incurred during outdoor activities.

El Salvador Travel Tips on Insurance

Travel insurance companies recommend that you carry your prescriptions, a list of allergies and, of course, the 24-hour international hotline for your insurer. It is also a good idea to have this information saved in an email account and photocopied back home, that way no matter where you are you can access the information.

30 Jul 2010

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