What do you know about your own medical insurance coverage? If you leave the state will your insurance continue to cover you and your family? What about leaving the country?
It’s important to know and understand what your medical coverage covers, and to plan accordingly for international excursions. Many travelers maintain travel medical insurance in order to best prepare for accidents or illnesses abroad. The coverage differs from your regular coverage and may have specific coverage dates. It is not to be confused with insurance that covers money lost when a vacation or travel plan is canceled unexpectedly. Travel medical insurance focuses on emergency medical and evacuation costs while overseas.
Trip Insurance V. Travel Medical Insurance
Trip cancellation coverage is usually pricey to the consumer. By removing this coverage alone, you can save substantially and get all the medical coverage you need.
Your travel medical insurance coverage should cover:
-Emergency dental treatment
-Accidental death and dismemberment
Many travel medical policies also include:
-Lost or delayed baggage
The only thing travel medical insurance does not cover is trip cancellation. These plans are cheaper and based on age, trip duration, and coverage amount. Consumers may pay as little as a few dollars per day compared with trip insurance which can cost up to 10 percent of the cost of the trip itself.
Reasons to Buy Travel Medical Coverage
-Food Poisoning caused by parasites, bacteria, and viruses are common during travel when tourists eat unfamiliar foods from unfamiliar sources.
-Dental accidents and trauma due to an accident.
-Evacuation out of remote areas to a location with access to proper medical care.
-Serious injury or death due to accident or natural disaster.
-Access to medical care while requiring medical transportation.
-Lost, delayed, or stolen baggage results in loss of prescription drugs and medical devices.
Who Should Buy Travel Medical Insurance?
You should buy travel medical insurance if you frequently travel outside the United States, whether for business or pleasure. U.S. citizens traveling abroad, visitor to the U.S., business travelers working out of the country, long-term and world travelers, and missionaries and foreign aid workers. No matter where you’re going and for how long, you want to make sure your insurance coverage stays the same wherever you go. Don’t put your health at risk and avoid financial devastation by purchasing travel medical insurance before you leave the country.
Depending on your need, you can find travel medical plans for single trip medical coverage, multi-trip medical, and long-term major medical. The single-trip coverage lasts up to six months. Multi-trip coverage can be purchased in three, six, and twelve-month plans. Long-term major medical plans should cover the long-term traveler and can be paid for monthly and renewed annually.
Do you need travel medical insurance coverage? Find out the best companies offering travel medical insurance and get covered today.