Many health insurance companies have reciprocal agreements with other countries, but usually the policy just covers you in case of an emergency. Of course coverage for emergencies are what most people think is all they need when travelling. Not true.
Travel insurance is not just about medical expenses. Travel insurance can also cover loss of luggage or other personal belongings such as passports and money, repatriation costs and cancelled or delayed flights. Also, damage that you may cause to third parties is also covered in many cases. With all these potential expenses, it's easy to see why a comprehensive travel insurance policy is highly recommended.
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