What cheap travel health insurance plans are available?

Do you dream of exploring the world without breaking the bank? Discover now the cheap travel health insurance packages that will offer you complete and affordable coverage for your trips abroad. Protect yourself effectively while controlling your budget, because traveling with complete peace of mind has never been so accessible.

Cheap travel health insurance packages available

Search for a cheap international travel insurance involves knowing the different travel health insurance plans available. There are several options to meet both budgetary requirements and coverage needs.

For budget-conscious travelers, some travel health insurance offer basic coverage at a discounted price. These formulas generally include:

• Coverage of emergency medical expenses.
• Medical repatriation in the event of serious illness or accident.
• 24/7 telephone support.

For those looking for more comprehensive coverage while still being in control of their finances, there are intermediate options. These formulas may include:

• Reimbursement of hospital stay costs.
• Emergency dental care coverage.
• Compensation in the event of trip cancellation or interruption.

Traveling to certain destinations, such as Canada where the Japan, often requires specific insurance. These plans adapt to local requirements and provide peace of mind with coverage adapted to the situation of the country visited.

Finally, for families or groups traveling together, some insurance companies offer group discounts. These offers are ideal for benefiting from extensive health coverage while reducing the total cost.

In summary, there are several cheap travel health insurance packages, adapted to different needs and budgets. Analyzing the available options allows you to find the most advantageous solution without compromising security. By being well informed, it is possible to travel peacefully and economically.

Basic formula

Find a cheap international travel insurance is essential for traveling with complete peace of mind without blowing your budget. Several travel health insurance plans are available to you to guarantee your peace of mind abroad.

There basic formula is often the first stop for many travelers. It generally includes:

• Public liability
• Repatriation assistance
• Coverage of emergency medical expenses

This type of formula allows you to cover essential expenses in the event of a problem abroad. Although it is inexpensive, it is essential to check a few things before subscribing. In particular, the coverage of the public liability, which may vary depending on insurers and destination countries.

Some basic formulas also offer the possibility of adding specific options such as coverage of certain sports activities or covering transport costs in the event of trip cancellation. These options may increase the cost slightly, but they provide additional security that can be valuable.

By comparing the different offers available on the market, it is possible to find an economical formula while benefiting from good health coverage during your trips abroad.

Intermediate formula

THE cheap travel health insurance packages available on the market allow you to cover unforeseen medical expenses abroad without exceeding your budget. These offers are designed to meet the needs of experienced travelers, who want to protect their health while controlling their expenses.

One of the most popular options is the basic formula. It generally includes coverage for medical expenses, hospitalizations and essential medications. This formula is ideal for short stays and low-risk destinations.

There intermediate formula offers enhanced protection while remaining affordable. In addition to basic coverage, it often offers additional services such as repatriation assistance, compensation in the event of baggage theft, and support for medical consultations. teleconsultation. This formula is particularly suitable for medium-term stays or countries requiring more expensive medical care.

For frequent travelers, theannual travel insurance is a practical and economical option. It allows you to benefit from continuous coverage for all trips throughout the year. In addition to standard medical coverage, it can include specific guarantees depending on needs, such as coverage for sports activities or insurance Bank card.

Regardless of the option you choose, it is crucial to carefully read the terms of the contract and compare the offers to find the one that best suits your needs and budget.

Premium formula

To travel peacefully without breaking the bank, it is essential to compare the offers ofcheap travel health insurance. Various options are available on the market to meet the needs of budget-conscious globetrotters.

THE cheap travel health insurance packages generally include:

• Coverage for medical expenses abroad
• Assistance in case of emergency
• Medical repatriation
• Compensation for loss or theft of baggage

It is crucial to check the details of each offer. Some plans offer extensive coverage, such as all-risk formula, which is often more expensive but very complete.

From premium formulas, we find those which integrate additional services such as:

• Coverage for risky sporting activities
• Civil liability insurance
• Coverage for search and rescue costs

For must-see destinations like Bali, certain insurance formulas take into account local specificities, thus guaranteeing optimal and adapted security.

Compare the conditions and exclusions of each insurance carefully to make an informed choice and fully enjoy your international trip.

Medical cover

When preparing for a trip abroad, ensure medical cover Adequate planning is essential, especially for those who want to control their budget.

There are various affordable travel health insurance plans. These formulas generally include:

• Medical assistance : coverage of medical and hospitalization costs abroad.
• Sanitary rapatriation : organization and financing of repatriation if necessary.
• Civil liability abroad : coverage for damage caused to third parties.
• Compensation in the event of theft or loss of baggage.
• Coverage of trip cancellation or interruption costs.

To obtain comprehensive medical coverage without breaking the bank, it is recommended to compare insurance offered by different companies. Certain specific offers are designed for travelers on a limited budget, while guaranteeing effective protection. For example, Thailand recently launched a program of medical coverage for tourists, demonstrating a desire to facilitate access to care for international visitors.

It is also important to check whether the insurance offered covers pre-existing illnesses, or whether they require prior medical certification. For people affected by specific health conditions, choosing insurance that includes these aspects becomes crucial. The abolition of state medical aid for undocumented immigrants in France has, for example, sparked strong reactions because it compromises access to health for a vulnerable population (learn more).

Medical consultations

Exploring new destinations without exceeding your budget is possible thanks to the multiple options ofcheap international travel insurance. It is essential to find coverage that offers medical assistance adequate abroad without exploding expenses.

A good medical cover is essential for traveling with complete peace of mind. The most economical formulas generally include medical consultations emergency services, hospitalizations and sometimes basic medications, but it is important to compare each offer to know exactly what is covered.

When it comes to medical consultations, affordable insurance policies often offer:

• Coverage of consultation costs with the general practitioner.
• Partial or total reimbursement of medical analyzes necessary after a consultation.
• Telephone assistance for medical guidance before consulting a professional on site.

For example, at Vietnam, the costs of consultations can vary greatly. Appropriate insurance will cover a large part of these costs, facilitating access to quality care without financial stress.

In Europe, many countries offer consultations at moderate costs, but it is always essential to check the coverage conditions before leaving. The important thing is to ensure that the chosen insurance provides easy access to quality care while controlling costs.

Hospitalization

Cheap international travel insurance is essential for travel enthusiasts. Finding affordable and effective coverage allows you to travel with complete peace of mind.

One of the key options is the medical cover. Travel health insurance must offer coverage for medical emergencies and consultations, even on the other side of the world. In the event of injuries or sudden illnesses, it is essential to have access to a quality health service without breaking the bank. Some insurers offer very competitive packages, also including medical repatriation.

In case of’hospitalization, having adequate insurance is fundamental. Hospital costs can quickly become exorbitant, especially in some countries. Good coverage ensures that costs are covered quickly and completely. Some contracts even include coverage for post-hospitalization care and medications, providing additional peace of mind.

The choice of a cheap international travel insurance does not involve compromising on quality. There are formulas that offer excellent value for money. Compare the different options available on the market to find the one that best suits your needs and budget.

Additionally, it is crucial to check the details of insurance policies, including exclusions and coverage limits. A good insurer should offer rapid assistance in the event of an unforeseen event, with a simple and straightforward claims process.

Medicines and care

For those looking to travel abroad without breaking their budget, there are several options for a cheap international travel insurance which offer quality medical coverage. Low-cost travel health insurance can include various essential aspects such as coverage for medical consultations, hospitalizations and medication costs.

When subscribing to a travel health insurance, it is crucial to check the medical coverage offered. Most economical plans provide reimbursement for medical costs in the event of an emergency, which allows you to seek treatment abroad without breaking the bank. These insurances generally include:

• Medical consultations in the event of illness or accident.
• Emergency hospitalization costs.
• Emergency dental care.
• Medical repatriation if necessary.

In terms of medicines and care, financially accessible formulas often cover the costs of medicines prescribed by a doctor. abroad. This includes common medications and some specialty treatments, subject to presentation of original prescriptions.

Some travel health insurance also offer the possibility of having access to a network of health partners around the world, guaranteeing faster and better quality treatment. It is important to check if your insurance offers this option to avoid unpleasant surprises.

Malakoff Humanis or find out about access to healthcare for foreigners through ongoing reforms The echoes. This could offer additional solutions to cover specific needs without exceeding your budget.

Repatriation assistance

When it comes to going abroad, choosing a cheap international travel insurance becomes essential to protect your health without exceeding your budget. Among the formulas available, the option ofrepatriation assistance is particularly important.

L’repatriation assistance guarantees coverage of return costs to France in the event of an accident or serious illness. Many companies include this coverage in their economic offers. This is a key element because in an emergency situation, repatriation costs can be exorbitant. By opting for a plan that includes this assistance, you ensure your peace of mind.

Some insurance companies also offer additional services such as:

• Coverage of medical and hospitalization costs abroad
• Reimbursement of extended stay costs for medical reasons
• Administrative support in the event of loss of documents

To better understand the importance of this coverage, feedback can be instructive. A telling example concerns a tourist attacking her insurer after the death of her husband in China, accusing the company of having abandoned them (read the article here). This example highlights the need to choose your insurance wisely.

Finally, for those who go on vacation often, it is crucial to prepare adequately. Discover different contracts and prepare your trips in complete safety (see here).

Organization of repatriation

During a trip abroad, a cheap travel health insurance is crucial to guarantee your security and peace of mind without adding to your budget. One of the most important components of these insurances is therepatriation assistance.

In the event of a serious accident or illness, the insurance generally offers to take care of the organization of repatriation. This service includes:

• Coordination with local authorities and health establishments
• Coverage of specialized transport costs
• The medical support necessary for the transfer to go smoothly

L’organization of repatriation is a complex process. Qualified teams ensure the safety and comfort of the patient during the return journey to their country of origin. Find out more about the how medical repatriation works here.

This device is specially designed to guarantee rapid and efficient support, even in emergency situations abroad. Repatriation assistance often includes additional services such as the early return of family members or the sending of medication. For regular travelers, it is also interesting to know the criteria for choosing and comparing travel insurance offers available.

Costs covered

The choice of a cheap international travel insurance can quickly become a headache, especially when you are looking to benefit from comprehensive health coverage while controlling your budget.

L’repatriation assistance is an essential component of any travel insurance. It aims to return you to your country of origin in the event of serious medical necessity. Different formulas exist, some offering extended guarantees, including for transport costs and the accompaniment of a loved one.

To better understand the standards and services offered by insurers in terms of assistance, take a look at the services offered by Peugeot Assistance.

Cheap travel health insurance packages often include coverage for the following costs:

• Medical consultations : Choose insurance that covers consultations with a general practitioner or specialist.
• Hospitalization : Opt for coverage that includes hospitalization costs, including intensive care and surgery.
• Medication reimbursement : Make sure medical prescriptions are well covered.
• Dental costs : Some plans include emergency dental care.

To reduce your costs, choose contracts without or with a low deductible. Comparing the different options can help you make an informed choice, so that you benefit from the best guarantees while respecting your budget. For more information, see the solutions offered by Assur-Travel.

Support for the returnee

When traveling abroad, it is crucial to think about a affordable travel health insurance. Various formulas exist, offering economical solutions while guaranteeing quality coverage. Among the most popular and accessible options are those that include a repatriation assistance.

This type of coverage is essential because it covers the costs of medical transportation if you have to return to your country following an accident or serious illness. This can be a significant cost without insurance. Insurance generally includes a range of guarantees such as medical monitoring during transport or the organization of care upon arrival.

There are economical packages, adapted to each type of traveler and each destination, often included with your bank cards as mentioned This item.

In the event of repatriation, the security systemsupport for the returnee is also a key element to consider when choosing your insurance. This often includes:

• Coverage of transport costs
• Medical monitoring during repatriation
• Coordination with local healthcare facilities and those in your home country
• Psychological and logistical support for the traveler and their loved ones

By comparing offers and carefully reading the general conditions, you can find insurance that meets your needs and your budget, while ensuring you peace of mind during your adventures abroad.

⭐️	Basic formula
💼	Premium formula
✈️	Student formula
🌍	Family formula
💰	Economic formula

Reimbursement of expenses

Cheap international travel insurance offers various formulas to cover your medical bills abroad without breaking your budget. These budget-friendly solutions are ideal for frequent travelers.

THE reimbursement of expenses Medical insurance is often the priority when it comes to choosing travel insurance. Several options are available:

• Basic formulas which include partial reimbursement of medical costs, often limited to specific ceilings.
• Intermediate plans offer more extensive coverage, sometimes integrating meal fees in the event of prolonged hospitalization.
• Comprehensive plans offer comprehensive coverage including medical fees, repatriation assistance and sometimes even travel costs linked to a unplanned trip.

It is crucial to check the reimbursement limits and deductibles for each plan in order to make an informed choice. For example, reimbursement times and conditions may vary. To learn more about these aspects, check out official resources likeFrench health insurance.

Budget options don’t mean poor quality coverage. Many inexpensive plans offer 24/7 assistance and simple claims management, ideal for maintaining peace of mind during your travels.

Repayment Terms

To travel with complete peace of mind, cheap international travel insurance is essential. Economical travel health insurance plans offer sufficient coverage to deal with unforeseen events without adding to the budget. These formulas often include reimbursement of medical, hospitalization and even repatriation costs.

The affordable options available generally depend on the length and destination of the trip, planned activities, and specific coverage needs. To choose the best travel insurance, it is crucial to compare offers and understand the general conditions as well as the exclusions.

Reimbursement of expenses

Medical expenses incurred abroad can be quickly reimbursed if the terms and conditions are respected. The best cheap travel insurance offers rapid and often early reimbursements in the event of hospitalization, allowing you not to advance too much money.

Some insurers even offer partial or total reimbursement of pharmacy, doctor’s consultation, or specialized care costs. Namely, the government recently noted the reimbursement ceiling mission expenses, which can be an indicator of good practices to look for in a travel health insurance policy.

Repayment Terms

Reimbursement terms vary depending on insurers and contracts. Generally, it is essential to provide supporting documents, such as original invoices and detailed medical reports. Some companies allow online submission to speed up processing.

It is also useful to check if the insurance covers the costs advanced on site or if these are reimbursed after the return. In certain cases, in particular for major hospitalizations, the costs may be covered directly by the insurance via third-party payers. Review compensation options to ensure you have adequate financial support, especially if your destination involves high risks or medical costs.

Finally, some plans include coverage for emergency travel or trip cancellation expenses, which is essential in the event of serious unforeseen circumstances. For more information on specific support, discover the terms and conditions relating to compensation in the event of flight cancellation.

Reimbursement deadlines

Find a cheap international travel insurance which offers a adequate health coverage is essential for traveling with complete peace of mind. Several options allow you to benefit from robust protection without increasing your budget.

Some insurance plans offer a reimbursement of medical expenses, including medical consultations, hospitalization and medications. These plans can also cover costs related to the intervention of emergency services.

Reimbursement times vary depending on the insurance provider. Generally, they vary between a few days and several weeks after sending the supporting documents. It is crucial to check the specific conditions, as some insurance policies require a prior validation of medical expenses.

Coverage of fees may vary. For example, some plans offer full reimbursement while others cover a percentage of the costs, left to the discretion of the insurer. Check the terms and conditions to avoid unpleasant surprises.

Inefficiency in handling claims can be annoying, so choosing a reputable insurer will ease your peace of mind. Consider finding out about the refund details to optimize your choice of travel health coverage.

Reimbursement ceiling

Cheap international travel insurance offers different formulas for health coverage abroad economical and complete. These affordable insurance plans generally include several options for reimbursement of medical expenses, which allows you to leave in complete safety without increasing the travel budget.

Most insurance plans include coverage for medical expenses, whether for doctor visits, medication purchases or hospitalizations. The terms and conditions of support may vary, but they all provide an essential safety net.

Reimbursement ceiling :

• THE reimbursement limits vary depending on the formula. Some offer more generous limits, while others are more restricted.
• Economy plans generally cover between 100,000 and 300,000 euros, although some premium plans can go up to 1 million euros.

For the compensation for medical expenses, refunds are often made based on receipts submitted. Some insurance policies directly reimburse the costs incurred, while others require an advance of costs from the insured, followed by reimbursement after processing the file.

Choosing cheap international travel insurance requires carefully reading the general conditions, the warranty exclusions and the exact amounts of the reimbursement ceilings to avoid unpleasant surprises in the event of an incident.

Optional guarantees

International travel insurance can be economical while still providing comprehensive health coverage. Several inexpensive travel health insurance plans are available to guarantee your peace of mind abroad.

Basic benefits generally include coverage for emergency medical expenses, medical repatriation and coverage in the event of death or disability. However, for more extensive protection, it is possible to subscribe to optional guarantees.

Among these guarantees, we find:

• Civil liability guarantee which protects you in the event of damage caused to third parties. It is essential for traveling in peace. For more information, see details at civil liability guarantee.
• Baggage insurance which covers your personal effects in the event of loss, theft or damage. An essential option for travelers concerned about the security of their belongings.
• Cancellation insurance allowing you to recover part of the costs incurred in the event of cancellation of your trip for unforeseen reasons, such as illness or accident.
• Legal assistance abroad which can be useful in the event of a dispute in a foreign country.
• Coverage of risky activities for those who engage in extreme sports or other dangerous activities while traveling.

For economical options, it is crucial to compare the different guarantees offered by insurers and choose the ones that best meet your specific needs. A judicious combination of basic and optional guarantees allows you to benefit from travel insurance that is both comprehensive and affordable.

Baggage insurance

To find a cheap international travel insurance, it is essential to compare the various formulas offered by insurers. Among the affordable options, you can opt for basic coverage that includes emergency medical expenses, THE sanitary rapatriation and the24/7 support. By choosing an economical plan, you benefit from essential protection without blowing your budget.

Another approach is to choose optional guarantees based on your specific needs. For example, if you plan to engage in extreme sports, it may be a good idea to add specific coverage to cover the risks associated with these activities. Also think about theft or loss of baggage guarantees, trip cancellation And transport delay, which can be very useful in the event of unforeseen circumstances.

THE baggage guarantees are an important component of travel insurance. They cover the loss, theft or damage to your personal effects during your trip. By subscribing to this guarantee, you can obtain rapid compensation, allowing you to replace your lost items without financial stress. Comparing offers and carefully reading the conditions of each plan will allow you to find protection suited to your needs.

Trip cancellation

Choose one cheap international travel insurance does not mean skimping on quality. Among the options available, some offer a health coverage to meet your expectations while respecting your budget. Third-party insurance and intermediate coverage are options to consider to control costs while benefiting from essential protection.

Economical travel insurance packages offer basic guarantees including emergency medical expenses, repatriation and civil liability. These solutions allow you to travel with complete peace of mind without wasting your savings.

When subscribing, it is prudent to check the optional guarantees to personalize your coverage according to your specific needs. Among the interesting options:

• 24/7 support
• Reimbursement of advanced medical expenses
• Protection of baggage and personal effects
• Insurance for sports or risky activities

Certain formulas allow you to add or remove guarantees to better adjust the cost and services, as can be done with certain car insurance.

Warranty trip cancellation is essential to guard against unforeseen events forcing you to cancel your plans. This coverage applies in the event of illness, accident, death of a loved one, or other valid reasons. This is a wise option to avoid significant financial losses linked to cancellation fees for flights, accommodation and other prepaid services.

Contracts may vary, so make sure you understand the terms and exclusions for optimal protection. Integrating this guarantee into your travel insurance plan can be a strategic choice, especially if you have planned an expensive or long trip.

Civil liability insurance

To benefit from inexpensive international travel insurance while being well protected, optional guarantees play a crucial role. They make it possible to enrich the basic coverage without increasing the bill too much. Among the most common are:

• The coverage of medical fees abroad. This is essential to avoid unexpected expenses in the event of a health problem.
• Repatriation assistance is also a warranty often included. It ensures rapid return in the event of a serious medical complication.
• The support of luggage and personal belongings in the event of loss or theft provides additional peace of mind.

L’civil liability insurance is an essential element to consider when taking out travel insurance. It covers damage that you could cause to others during your stay abroad.
Here are some key aspects:

• Medical expenses for third parties injured through your fault.
• Costs related to material damage caused to the property of others.
• Legal costs in the event of litigation.

It is crucial to check the coverage amounts offered by this guarantee in the different plans in order to choose the one that best suits your needs. For more information on warranties, you can consult this article on home insurance formulas and guarantees.
Invest in a cheap international travel insurance with adequate guarantees remains an essential precaution for any traveler wishing to leave with peace of mind without breaking the bank. A balance between controlled costs and sufficient coverage can be achieved by carefully examining the available offers.

Territorial validity

Cheap international travel insurance offers several travel health insurance plans suitable for those who want to travel with complete peace of mind without blowing their budget.

These formulas, often basic but effective, offer essential coverage including emergency medical expenses, medical repatriation and sometimes even civil liability. Travelers can opt for daily, weekly, or monthly coverage, depending on the length of their stay abroad.

It is crucial to check the territorial validity of your travel health insurance. Some insurance only covers specific regions or excludes certain risky countries. A plan that includes worldwide coverage may be more appropriate for those who travel frequently or to varied areas.

To guarantee fast and efficient support, choose insurance that offers telephone assistance available 24 hours a day and in several languages. This will also help you avoid language barriers in the event of a medical emergency.

Finally, before purchasing travel insurance, compare the different offers and make sure it meets your specific needs. A good, inexpensive travel insurance plan should include:

• Coverage for emergency medical expenses
• Sanitary rapatriation
• 24/7 telephone support
• Possibility of being covered in several regions of the world

For more information on the territorial validity of travel insurance, you can consult specialized resources such as those available at traveling abroad.

Coverage in Europe

When it comes to choosing a cheap international travel insurance, it is essential to understand the territorial validity of the available formulas. This determines in which countries your coverage is effective, giving you peace of mind throughout your travels.

The territorial validity of travel insurance can vary considerably from one plan to another. Sometimes, some offers only cover specific geographic areas. It is therefore crucial to check that your cheap travel health insurance is recognized in the countries you plan to visit.

• Worldwide coverage : Some insurance plans offer global coverage, ideal for globetrotters who frequently travel from one continent to another.
• Regional coverage : Others may be limited to certain regions such as Europe, Asia, or the Americas. For example, consider checking whether your insurance covers your green card to avoid unpleasant surprises.

If you plan to travel only within Europe, you can opt for travel health insurance specific to that region. These plans are generally less expensive and offer coverage adapted to European medical requirements.

Travel insurance in Europe often includes:

• The support of medical fees within the European Union.
• Reimbursement of expenses related to possible hospitalization.
• Medical repatriation, to bring you back to your country of origin in the event of medical necessity.
• Protection against accidents and sudden illnesses occurring during your trip.

Opting for a plan adapted to Europe can also include advantages such as teleconsultation services with doctors registered with the order table national doctors.

When selecting your cheap travel health insurance, make sure the protection offered meets your specific needs. Whether you want global or regional coverage, security and peace of mind should remain priorities without breaking your budget.

Worldwide coverage

When selecting a cheap international travel insurance For health coverage abroad, it is crucial to understand the territorial validity of the insurance policy. Territorial validity indicates the countries and regions where your insurance will operate. Make sure the geographical area covered includes all your planned destinations to avoid any unforeseen circumstances.

When we talk about worldwide coverage, it is essential to check if your insurance protects you wherever you travel. Some insurance policies limit their validity to certain regions, such as the European Union or North America. Others offer true global coverage, but it’s important to read the terms carefully to understand potential exclusions.

Here are some key things to check for effective global coverage:

• There validity of emergency medical services in all countries visited.
• The inclusion of services such as medical evacuation and repatriation.
• Coverage limits and any applicable deductibles.
• Clarity of terms and conditions of use to avoid any unpleasant surprises.

Choose one cheap travel insurance does not mean compromising on coverage. By taking the time to compare the different options available and carefully reading policy terms, it is possible to find insurance that offers comprehensive protection at an affordable cost.

Warranty extension terms

Cheap international travel insurance comes in several travel health insurance plans adapted to cover a multitude of destinations. The territorial validity of an insurance policy is crucial to ensure that you will benefit from the best possible coverage depending on the countries visited.

Depending on the insurer and the plan chosen, territorial validity may cover specific areas such as Europe, the entire world excluding the United States and Canada, or include the entire globe. To learn more about the implications of this notion, see this article on the common interest of the contracting parties in terms of territorial validity.

When subscribing to travel health insurance, you can also opt for warranty extension terms to obtain additional coverage according to your specific needs. These extensions may include:

• Support for high-risk sporting activities.
• The extension of coverage to pre-existing pathologies.
• The increase in reimbursement ceilings for health expenses.

These options allow you to personalize your insurance and meet specific security requirements abroad. It is essential to check the conditions and durations of these extensions to avoid any unforeseen circumstances, particularly when traveling to specific destinations. More information on management of warranty extensions can be found here.

Q: What cheap travel health insurance plans are available?

A: There are different cheap travel health insurance options, such as emergency medical insurance, trip cancellation insurance, baggage insurance or even civil liability insurance abroad. These formulas may vary depending on the insurance companies and the specific needs of the traveler.