Taking a trip to the emergency room in your home country is stressful enough; having to find emergency medical treatment while you are abroad can be even worse. This is why it is important to purchase emergency medical travel insurance if you are planning a trip abroad. With your emergency medical travel insurance policy, you can relax knowing that you will be covered in an emergency event. Even the most carefully planned trip can be derailed by an accident or illness, so it is best to be prepared with with right insurance.
Purchasing travel insurance is highly recommended because most domestic health insurance companies will not cover bills from hospitals outside of their networks, and they will almost never cover you when outside of your home country. There have been instances where travelers go to countries that require payments up front in order to receive treatment. If you happen to break a bone or contract some other serious illness that requires intense medical care you may not be able to pay out of pocket. Having a form of emergency trip protection will cover you in these instances. While the vast majority of emergency medical situations are handled with you paying up front and then filing a claim for reimbursement with the travel insurance company, the companies will typically work to arrange advance payments when needed if you loop them into the situation right away and they agree to cover the emergency medical costs up front.
The last thing you will want to deal with in a foreign country while seeking medical care is speaking with your domestic insurance company to see if you will be covered. Having travel insurance will also aid you in finding a proper medical facility and they can arrange for transportation in your own language. This will be especially important if you are traveling somewhere that you do not know the language well. Not only are you paying to know that you will receive adequate care, but you are also paying for a network of support in finding the appropriate health care facilities.
For adventurous travelers, purchasing travel protection is vital. Emergency medical travel insurance plans can cover emergency evacuations. People planning on hiking, skiing, or backpacking in remote areas will be able to have an evacuation if they have a medical emergency that requires immediate care. Emergency evacuations can cost tens of thousands of dollars or more and having this insurance can get you treatment without bankrupting you. Additionally, these insurance plans can cover medically equipped flights for your return home if it is required. Some plans can even fund reimbursement to a friend or family member that travels to be at your side if you are in a hospital for at least 7 days.
Another great benefit of trip protection is that many companies will cover necessary prescriptions if they are lost or forgotten at home. Some prescriptions can carry a hefty price tag and no one will want to pay out of pocket when medical insurance can cover it. People who rely on daily medications should look into plans that will cover their prescription costs in case of an emergency.
Be advised that there are some instances that medical insurance does not cover. Some plans may not cover illnesses or injuries that are caused by pre-existing conditions (unless you buy a plan with a pre-existing condition exclusion waiver). Travel insurance plans may also not cover medical emergencies that are caused by drug or alcohol use. It is important that careful attention is used when deciding on which insurance plan to buy in order to know exactly what types of situations will be covered.
Purchasing medical insurance before your trip is a sure way to give you peace of mind. Even with careful planning, unfortunate situations can still arise. Not all insurance plans have the same coverage, so be sure to take your time to compare when purchasing the perfect plan for you or your family. If an emergency situation happens while you are out of the country you will be glad you have coverage.