Before taking your vacation to Cancun you should talk with your insurance company to ensure that you are completed covered during your vacation. Medical insurance may not cover you while you are out of the country and you need to understand exactly what it will cover and if you need to have added medical insurance for traveling.
Travel insurance can include medical along with other great benefits that you may need. In case of a medical emergency where you may need air evacuation or even hospitalization your medical insurance may not cover these types of emergency situations. You also may want coverage for lost luggage and personal items. Being prepared for any type of emergency is always better than not have adequate insurance.
There are two major types of travel insurance, trip cancellation and trip interruption. Trip cancellation insurance will reimburse you for any non refundable portion of you trip. You may be ready to hop the plane when an emergency arises at home and you can not leave. This insurance will be very helpful in getting back some of your money. Trip interruption is for if you have to cut your trip short for reasons of accidents or serious illness for yourself or an immediate family member at home.
You will find that there are several companies that offer travel and health insurance. Comparing their benefits and prices will give you an idea of what you really need before you go on vacation. Before you start comparing a new insurance company, it would be best to talk with your insurance agent to learn what your insurance now covers. He may be able to give a deal, so you can purchase travel insurance and more health insurance that will cover you while traveling.
Knowing if your policy is what you need for your vacation you should be sure that it covers the entire time that you will be on your vacation, whether that is three days or six months. Also, make sure that any activities that you plan on participating in are also included such as scuba diving, jet skiing, etc. It should also include all emergency medical treatment, hospitalizations, and even air evacuation. Cancellation coverage should also be included in case you must cancel your trip due to an emergency. Personal accident and personal liability coverage should also be included for traveling. Do not forget your possession coverage which will include all money and important documents you may be carrying.
You will be able to compare some of the major health and travel insurance companies at total travel insurance. They have prices and benefits listed that will help you decide what you may need to cover. Their website is http://www.totaltravelinsurance.com.