Most American health insurance policies do not cover medical care overseas. Policies that provide standard hospital costs abroad, including Medicare, often don’t cover expenses for your medical evacuation back to the United States. If you are traveling to a foreign country, you may want to consider adding a medical travel insurance policy to your existing travel insurance plan. Travel health insurance is a policy designed to cover your medical expenses if you get injured or sick on a trip. Whether or not you need travel health insurance depends on how likely you think it is that you might need medical care during your trip, and on your ability to pay for it if the need arises. People with known medical conditions, those who participate in high risk activities, older populations, and those traveling to a less-developed area are more inclined to purchase travel health insurance.
Some travel insurance programs bundle three types of coverage into one travel insurance policy. This type of travel health insurance policy adds medical coverage, including emergency evacuation, to the standard travel insurance. Medical travel insurance covers the costs of trip cancellation in the event of illness and will pay expenses for medical care if you become ill or injured in a foreign country. Evacuation coverage pays for flights to receive medical care abroad or at an American hospital. Medical coverage also provides assistance locating and arranging appropriate medical care and offers services for contacting family members.
Medical travel policies vary in the types of situations and illnesses they cover. Common features included are Emergency medical care, Emergency dental care and Medical evacuation. Considering the potential financial burden of a medical emergency while traveling abroad, many often find that medical travel insurance is crucial. Evacuation, for instance covers the cost of transporting you to the nearest hospital equipped to handle your medical emergency, which could be in another country. The emergency care features, however, usually don’t include fees charged for routine medical exams or standard dental checkups.
Several factors to consider when determining the insurance policy that is best for you are: The overall condition of your health, the length of your trip, your destination, and likelihood to participate in high risk sports. Like most insurance policies, travel insurance has several exceptions. Common exclusions are: Prior medical conditions, pregnancy, adventure sports activities, suicide, and mental illness.
TravelInsurance.com is your source to use to compare prices and coverage offered by a variety of providers. We offer a comparison chart with helpful information about each policy to help you make your decision and buy online.