While it’s unlikely there is always a risk that you’ll need medical attention when you’re away from home. Finding the right companies which offer travel health insurance is crucial before your big trip.
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According to the U.S. Department of State obtaining medical treatment and/or care from an overseas hospital can be expensive if you don’t have travel health insurance. Some people might even need to seek out medical evacuation to the United States, which can cost upwards of $50,000.
Where can I find a travel health insurance plan?
It’s very rare to have a health insurance policy in the United States that covers you when you travel abroad. However, before seeking out another policy you should always check with your current health insurance provider to see if they do cover overseas travel. If they do not cover overseas travel then it’s a good idea to find a short term medical health insurance policy that does. There are several health insurance plans that are specifically designed to cover you when you travel abroad.
Check with your travel agency to see if they offer some type of health insurance plan. There are also several private health insurance companies that offer specially designed travel insurance policies as well.
What should I look for in travel health insurance?
Travel health insurance companies offer a plethora of options when it comes to their health insurance. One of the main options is policy lengths which can be extended coverage or a one trip plan.
The extended coverage plans can cover you for up to a year with travel health insurance. This is ideal for someone who is making multiple trips outside of the United States in a one year time period. The benefit of this type of policy is that you wouldn’t have to renew the travel health insurance policy after every trip overseas making it an economical choice.
Most people, however, choose a one trip travel health insurance policy for multiple trips. This way they’ll get the coverage they’ll need for one trip and the policy will come back into effect once the next one starts. The last option is to just have a short term health insurance plan that will cover you for three weeks or less while overseas. If you’re not leaving the country again during the same year this policy can be ideal.
Other than the length of the travel insurance plan there should be some additional features.
The better travel health insurance options will cover both emergency and non-emergency expenses in the medical field, medication coverage, medical evacuation, and some kind of death benefits.
There are even those policies that will over dental insurance alongside the health.
Do I really need travel health insurance?
According to MSNBC travel agents rarely brought up insurance when trying to close a trip transaction in the past. This is because it was seen as a negative and unnecessary additional cost.
However, times have changed and most people will not leave the country unless they have adequate travel insurance as well as travel health insurance. There are several reasons for this.
Mostly travelers want to protect oneself against the unexpected. Many enjoy the peace of mind that being insured offers.
Are there other options?
Trip cancellation and interruption insurance is actually worth your while when buying travel insurance. This way if you miss your trip, get sick or the travel provider you are using goes out of business before the actual trip you are covered.
It’s not uncommon for airlines to lose customer’s luggage. To avoid losing valuables you can purchase what is known as excess valuation insurance. This will provide up to $5,000 in additional coverage. You’ll have to describe what’s in your luggage alongside purchasing this insurance, but it will be worth the extra hassle if the airline ends up losing your bags.
Many people will seek out coverage for the equipment they’ll bring such as golf travel insurance. This insurance will cover you in the event that golf equipment is lost or delayed. There are also those plans that offer additional coverage for extreme sports and adventures. It’s usually an additional coverage and may be expensive to add.
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