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Private medical care in South Korea costs quite a bit. That’s a very good reason to make sure that travel insurance plans have sufficient medical coverage should emergency treatment be needed. A Korea trip doesn’t have to be overly expensive, but it is wise to make sure that all contingencies are covered by a reputable travel insurance agency.

South Korea is a stable, western-style economy that has superb tourist facilities. The country’s hospitals are first-rate, and have the latest in advanced medical equipment. There can be a language problem—few doctors and hospital staff members speak fluent English. In addition, any hospital charges are demanded up front, a cumbersome requirement that travel insurance can handle. Don’t be falsely fooled into thinking a credit card can handle emergency expenses. Only the very rich can afford to immediately come up with the many thousands of dollars that can accrue for emergency medical treatment in South Korea.

Travel insurance plans should include provisions for transporting a possible patient out of Korea, should more specialized medical treatment be required. That can be a considerable expense, depending on what travel care is needed and where the final destination might be. South Korea doesn’t have any problems with contagious diseases like typhoid. There can be a slight malaria risk, but it only occurs in a benign form.

Most travel insurance policies don’t cover alcohol or drug-related incidents. Make sure a South Korea trip plan includes trip cancellation provisions. Check out what situation, such as accident or illness, could cause a trip to be cancelled. In addition, some 60% of travel insurance plans now cover terrorism. Examine a travel insurance policy to ensure terrorism isn’t excluded. It raises costs a little more, but could prove necessary. South Korea, aside from occasional public demonstrations that can become quite uncomfortable, doesn’t have real terrorism problems. North Korea does engage in some fatal saber-rattling, so pay attention to State Department alerts about that situation before making the trip.

The South Korean legal establishment is very efficient. If a traveler causes injury to someone, or damages somebody’s property, he can expect to be sued. A good travel insurance plan can cover personal liability. It can also cover a personal accident payment made for permanent disability or death.

The bottom line is make sure that health, property and other issues are covered in any travel insurance plans that include Korea. If more than one or two visits a year to Korea are planned, save a little money by getting annual travel insurance rates. It’s great to know that good travel insurance has got your back.

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