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Travel Insurance Honduras

Travel insurance is an important to consider when planning a trip to Honduras. Insurance companies often offer policies that cover several potential problems you may encounter while traveling through Central America, including, delays in transportation, canceled flights, lost luggage, theft, hijacking, and unexpected legal expenses.

Insurers generally offer several options for coverage which makes researching your options an important part of the process. First, it’s a good idea to find out if you already have travel coverage through your bank or credit card company. It’s not uncommon for these services to offer basic travel insurance. If you have policies for rental insurance, homeowners insurance, life insurance or health insurance, they might cover travel.

Medical Insurance in Honduras

Medical coverage is paramount when considering any travel insurance plan. Medical expenses for injuries and illness can quickly add up. Find out what your insurance will cover when it comes to emergency medical expenses, before you agree to the terms of the policy. You should also know what procedures or treatments are covered by the policy. Things like emergency evacuation and helicopter rescue can be extremely expensive. If you need to go back to your home country for medical attention, it’s good to know if travel expenses will be covered. Most hospitals in Honduras only accept cash upon entrance for medical treatment. If you do have to pay cash at a hospital, get receipts for any and all medical care you receive. Insurance companies often require proof of payment in order to process your claim. Before you begin your travels in Honduras, make sure your travel insurance policy offers coverage for all activities you plan on undertaking. Some sports, like river rafting, horseback riding, and climbing, are considered “adventurous activities” and are sometimes not covered under basic travel policies.

Lost or Stolen Items in Honduras

Lost or stolen property incidents make up the majority of insurance claims filed by travelers. If you are traveling to Honduras with expensive items like laptops, cameras and smart phones, there is a chance that these things will be damaged or stolen. Be certain that the travel insurance policy you buy provides enough protection to cover the value of all the things you plan to bring to Honduras combined. If this is not possible, think about leaving anything you consider extremely valuable at home.

If your things are stolen while traveling through Honduras, file a police report within 24 hours. Make sure to keep a copy of the report in a safe place. Your insurance company will probably require proof of the crime, as well as receipts for the stolen items, in order to process your claim.

Basic travel insurance policies might not cover lost or stolen items, so you'll need to research the available policies. It’s possible you might have to invest more money on a comprehensive policy. Generally, the more money you spend, the more protection you will have. If you purchase a policy that is more expensive that the basic policy, but has a higher level of coverage, your deductible will most likely be lower, the limits on single items will be higher, and your policy might has coverage for stolen cash and passports fees. Do your homework and go over the details of your policy to make sure the coverage you’re receiving works for you.

Student Travel Insurance in Honduras

Students might have different requirements for insurance policies and should make sure they are covered by the appropriate travel insurance policy. There are several study abroad programs that insists students have medical insurance before they leave home. If you are expected to buy insurance yourself, research your options and find the policy that fits your needs.

Students living abroad may be eligible for benefits that are not included in basic travel insurance policies. These benefits might cover refunds for tuition in the event that you need to cancel courses for medical reasons. It may be easier to get coverage for valuables under student insurance policies, and you might receive coverage for a job, sports you participate in or other activities while you are in Honduras.

Honduras Travel Tips on Insurance

It’s important to have your insurer's 24-hour emergency contact number, as well as a copy of your policy number with you while you are traveling through Honduras. Having your insurance details on file in an email account will allow you access to this information from most places in Honduras, even if your things are stolen. It’s always a good idea to have written records of medical conditions and the names of any medications you take, as well as copies of prescriptions, in case you need them.

21 Jun 2010

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