Buying a travel insurance to cover medical problems, theft, baggage loss, injury of any kind, emergency assistance and trip cancellation is highly recommended for Bhutan. The cancellation rules for Bhutan are quite severe and inflexible so the trip cancellation insurance is almost essential to purchase. Price of a travel insurance policy or how much it costs depends on your country of residence and benefits that you opt for. You may buy travel insurance policies online too but make sure that the credit or debit card information that you give is safe and secure and is not used for any other purposes by the insurance provider other than the transaction you have opted for.
They should have a secure payment gateway and encrypt their information so that other people cannot intercept or steal your card information. Read the fine print of the insurance policy you are buying carefully and mention that your country of permanent residence is the one mentioned where you would like to be send back to in the event of a medical emergency to receive long term medical care, if required. Most travel insurance policies do not cover expenses incurred within your country, so make sure you know that. Similarly, many travel insurers do not provide insurance coverage in cases of your loss due to war, terrorism acts and natural calamities. Make sure to know how long does your policy cover you, from what date to what date to be exact.
Many travel insurance policies do not provide refunds if you come back earlier than the period of travel mentioned in the policy. On the other hand, you may be allowed to extend your policy. So, if you are planning to go on a long trip, you may buy a policy for a shorter duration and extend it later, as per your convenience. Do ask whether pre-existing medical conditions are covered in your travel insurance policy or not. Many times you cannot make a claim based on some pre-existing conditions. Adventure activities and injuries due to them may be covered in your travel insurance policies but make sure that you have understood well what is covered and what is not covered in the policy you buy. In certain cases, travel insurers do not honor the claim if it is recoverable from an employers’ workers compensation insurance or the loss of cash. Read your policy well, so that you know what exactly you can claim for later. Similarly, the age limit for the policy may vary with your country of residence too.