Because there is no predicting what will happen on a trip, travel insurance can protect and help traveling families in need of medical treatment. Different hygiene, foods and even animals can cause a family member to become sick or injured while overseas. In such a situation, travel insurance can provide the assistance, whether physical or financial, the family needs to care for their injured loved one.
Medical travel insurance pays for medical treatment and associated costs. One of the biggest ways that travel insurance protects traveling families is by paying for any medical treatment. Almost all insurance policies only pay for medical services provided in the United States. Treatments received abroad, therefore, will need to be paid for out of pocket. Medical travel insurance pays for any medical expenses incurred while abroad, including prescriptions, doctor’s visits and emergency care either by reimbursing the family or directly paying the provider. Medical travel insurance, however, also covers or reimburses extra expenses caused by the medical treatment. Transportation to and from the hospital or doctor’s office, extra nights in a hotel or even costs incurred from changing flights may be covered by insurance.
Medical travel insurance provides information on seeking treatment. Traveling families in need of medical treatment often have no idea where to seek help. Language barriers, a lack of transportation and differences in standards of medical care are only a few of the hurdles families can face when searching for a doctor or hospital. Medical travel insurance companies often have a list of preferred medical providers in different countries. Through a simple call to the company’s international phone number, the company can provide a family with the name and contact information of a trustworthy physician. Sometimes, insurance companies will contact the doctor or physician and inform them that a family member is in need and will be arriving for treatment.
Medical travel insurance can take charge in a crisis. A severe illness or injury may require treatment in another country or city. In situations where a family member is in critical condition or requires a specialist that is unavailable in the country, an insurance company can arrange for the family member to be transported to the appropriate facility or country. In addition, the insurance company can notify the local U.S. embassy and inform them of the family’s situation. This may result in the embassy becoming involved in the patient’s medical care or the family’s lodging or transportation.
Medical travel insurance offers financial assistance and guidance when a loved one becomes ill while abroad. By acting as a safety net for families, travel insurance is something none should do without.