Sitting in the doctor’s office half a world a way is not the time to find out that your medical coverage will not help meet the costs of that emergency visit for a broken arm or drinking the local water. Not all plans are created equal. That doesn’t mean that it’s not worth purchasing travel medical & dental insurance, only that choosing the right plan is essential. Are you covered when you travel abroad?
Won’t My Regular Insurance Be Enough?
Your regular health insurance is not the same as travel insurance and will not cover any visits outside of the declared boundaries listed in your policy. Travel insurance helps cover any unexpected charges incurred while you are away from home.
I Won’t Really Need That, So I Don’t Think I Should Spend the Money On It.
That’s fine and well, but nobody plans for accidents to happen. You don’t always see the loose cobblestones or anticipate knocking a tooth loose with a glass of water. That’s why they are called accidents, and you will be faced with the out-of-pocket expenses for treatment if you don’t have adequate travel coverage. If you don’t use it, great. You’ll be thankful to have it if you need it, though.
What Types of Medical & Dental Travel Insurance Are Offered?
This depends on who you go through for coverage, but generally you can expect to have basic medical & dental to cover any surprises that come your way, such as a sprained ankle or chipped teeth. There are some plans that will cover pre-existing conditions, which don’t always fall under basic medical coverage. In the worst of cases – evacuation or repatriation – the transportation out of the country you’re visiting can be incredibly expensive, which is why there is often the option of coverage for these specific events as well.
How Do I Get Travel Medical & Dental Insurance?
Plans vary from provider to provider, and policy to policy. Comparing plans online is the best way to ensure that you are getting coverage through someone who is knowledgeable in all aspects of travel insurance. Make sure that you have the coverage you need in case the unthinkable happens. Enter your trip details into our free quote form to find out more about insurance options and how we can give you peace of mind on your next trip.