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volunteers should consider travel and medical insurance while abroad If you have plans to travel abroad you should consider purchasing traveling insurance regardless of the length of your trip. Depending on the policy you select, coverage can protect you from more than the loss of your prepaid nonrefundable deposits. Plans can offer medical coverage, travel delay expense reimbursement, and even additional life insurance.

Most basic plans will cover the loss of prepaid nonrefundable funds due to covered instances (missed flight due to illness, death in the family, etc). Expenses incurred due to travel delays may be reimbursed if the delay is long enough. Additional coverage can be added for lost luggage, or an allowance may be granted for each day that the bag is delayed. Some premium plans also offer the ability to cancel all travel plans for any reason within just a few days before travel is to commence.

Medical insurance may be included in the basic travel insurance plan or it may be treated as an upgrade. If you currently have medical coverage you should check to see what benefits it provides while you are traveling abroad. Even if your primary insurance will apply over sees, travel insurance often has provisions for emergency medical evacuation. If Adventure is on your list of objectives you also need to determine if ‘hazardous activities’ like scuba diving, white water rafting, parasailing, or spelunking are covered are covered by your primary and/or travel insurance. A small accidental death and disability policy can also be added or may come standard with your plan.

Most of the insurance available will reimburse you in the event of a covered instance, but you will be responsible for the immediate payment. You should always have money in reserve to cover medical emergencies and last minute changes in your travel schedule whether you have travel insurance or not.