Most Americans are not aware that around 15% of those who travel overseas will become sick or injured during their trip. One in three are also unaware of what their healthcare plan covers before they travel out of the country. Check out the nuances of your plan and look into trip protection before you even board your plane.
Look into what your existing plan already covers.
Even if your policy covers health-jeopardizing emergencies, they may charge higher deductibles for out of network care. These expenses may be completely out of hand and they will likely only cover you in the United States. Usually, domestic health insurers in the United States will exclude all coverage when you travel abroad. If you’re on Medicare, you most likely will not be covered while overseas. There are only a few very specific circumstances where Medicare covers out of country care and they are rare.
Purchase travel insurance coverage.
Fortunately, you can take out a travel insurance policy in order to ensure that you will, in fact, be covered when you are traveling out of the country. Usually, travel insurance tends to only run between 5 to 8% of the costs of your trip, if you are insuring your trip costs for trip cancellations and interruptions. It is even more affordable if you are just wanting to be covered for medical emergencies and evacuations. You will want to aim for at least $50,000 or more in medical coverage. That number may go up if you have health issues.
Make sure you know what you are paying for.
Just like with any other kind of insurance or service, make sure you shop around for the best deal – you can compare plans from multiple companies on TravelInsurance.com and find the best deal for you. You may have to get a certain type of coverage if you have pre-existing conditions, especially if it could be worsened by travel. Older individuals may also be at more risk than younger and healthier consumers. The area you are traveling to may be a factor, as well.
Knowledge is power.
Before purchasing any policy, know what they cover, what the deductibles are, and what the extent of your policy is. A broad travel policy may cover medical emergencies other things related to your trip, such as lost baggage, flight cancellations, or other occurrences that cause plans to fall through. These insurance plans also usually help connect you with doctors and hospitals in your area if you need medical attention.
No matter what you choose, make sure to always travel with trip insurance so you can enjoy your vacation worry-free.