Are you worried about your health care needs when traveling abroad?
You don’t have to anymore with the creation of travel medical insurance. Unlike other medical and travel insurance, they are dedicated in providing medical assistance to its members even if they are miles away. Whenever you need medical assistance due to accidents or acute illness, they can offer health assistance by collaborating with the company’s professionals in making health care decisions. They can also provide medical evacuation if it is required as the local health facilities don’t have these resources to accomplish it. They also protect you from unexpected charges if you don’t have a travel medical plan. You can now travel to a foreign country without any worries. There are a lot of plans available in the market depending on your need and length of stay.
Travel medical plans
It is as international insurance plans available for travelers worldwide outside their country of residence. Unlike other travel insurance, travel protection plans can be acquired before and after departure from country of residence.
Moreover, these plans have wider medical coverage purchase that applies to each and every occurrence that may take place while travelling without any limit on the number of occurrences.
These medical plans are aimed for any type of traveler and trip for a short, medium or long periods that you wish to be completely covered and worry free in case of any event that may take place during the trip.
Global trip plans are international plans available for any type of travelers going outside their country. The medical coverage of these plans has a maximum limit during the trip regardless of the number of occurrences that might take place.
Travel insurance is something you absolutely need on the road. You never know what could happen, and most health plans don’t cover you overseas. I never thought I would pop my eardrum. My friend never thought he would break his leg hiking in New Zealand. A writer I know had to be helicoptered out of the Amazon after he fell off a boat. Another friend didn’t think her father would die and she would have to fly back home. But all those things did and travel insurance was there when all those things happened. (My favorite travel insurance provider is World Nomads. They always have my back when something like the above happens.)
Second, you want to make sure your policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD.
Additionally, evacuation also should mean from the hospital to your home country. Standard emergency evacuation usually includes this provision but it’s important you double-check a company will cover the cost of your flight back home if you need it.
A great policy will always include the following provisions:
- Cover most countries in the world.
- Some coverage for your electronics (and have the option for a higher coverage limit).
- Cover injury and sudden illnesses.
- Twenty-four hour emergency services and help (you don’t want to call to be told to call back later).
- Cover lost, damaged or stolen possessions like jewelry, baggage, documents, cameras, etc.
- Cover cancellations such as hotel bookings, flight, and other transportation bookings if you have a sudden illness, death in the family, or some other emergency.
- Cover emergencies, strife in the country visited, etc., that cause you to head home early.
- Policies should include personal accident coverage.
- Have financial protection if any company you are using goes bankrupt and you are stuck in another country.
Don’t get a policy that doesn’t cover these bullet points!” Originally found on http://www.nomadicmatt.com/travel-blogs/travel-insurance/
Consider including emergency assistance protection for your plan, whether you’re travelling because of business, pleasure or a simple visit to see a family or friend. A lot of individuals already feel secure having acquired a basic health insurance not aware that most medical plans limit coverage when out of their network, especially when out of the country and most don’t assist you in case you need medical evacuation or bringing your loved ones to your side. Moreover, credit card companies can provide assistance in case of lost or stolen items, but do little to help locate them. Whether traveling out of town or out of the country medical and travel emergencies can and often do happen.
Injuries are the leading cause of preventable death among travelers. Emergency care may not be available or acceptable. The health care system may not be accessible in the country where the accident occurs. Trauma centers are uncommon outside urban areas and travel to the nearest medical facility can take a long time and cause a preventable death. Road traffic crashes are the leading cause of injury.
This is the reason why it is recommended that travelers consider purchasing special health and evacuation coverage if their travel destinations include countries where there may not be access to good medical care. Emergency assistance programs may provide a wide array of emergency medical and travel assistance services if and when you need them while traveling.
Emergency assistance plans are not travel insurance which means you can easily obtain one without submitting to health questions, medical exams or lengthy forms.
You can purchased them from a travel provider before leaving on a trip and that only cover the one trip, and just provides benefits if your trip is cancelled, delayed or if your luggage is lost. In fact, emergency assistance is usually a membership program, not insurance. This means you can easily get hold of this without submitting yourself to health questions, medical exams or lengthy forms.” Read more at http://www.theaiatrust.com/emergency-assistance/
So, what does travel insurance cover? Depending on Your Coverage Selection
These are the 5 basic types of coverage provided with vacation insurance. This page outlines the general coverage provided, and our full guide to coverage can be found here.
- Cancelled Trips
This is the #1 concern with most travelers.
Plane tickets, cruise fare, tour packages, hotel rooms, charter fishing boats, golf greens fees.
You invest money when planning a trip. If these expenses are pre-paid and non-refundable, you risk losing it if something goes wrong.
Trip Cancellation Coverage reimburses you for pre-paid, non-refundable expenses if you need to cancel your trip before you depart.
Insurance companies provide a list of covered reasons for trip cancellation, an overview of typical covered reasons is below.
Covered reasons to cancel your trip:
- Sickness, injury, or death of you, a family member, or a traveling companion
- Hurricane damages your destination or cancels your flight
- Laid off from work or required to work
- Terrorist incident in your destination city
- Bankruptcy of your travel supplier
- Called for jury duty
This is only a partial list, but you can see it covers very common situations for cancelling.
The most common reason is the first one…someone getting sick or a family member passing away.
Trip Interruption Coverage is similar to cancellation coverage, but covers you while you are on your trip for the same list of covered reasons.
If something happens and you are required to return home, insurance will reimburse you for the lost portion of your trip…as well as any additional expenses for the last-minute flight home.
- Medical emergencies abroad
This is crucial, and often overlooked.
Most people think they are covered for medical emergencies if they already have existing health care insurance. Within the United States, that will be true.
Outside the U.S., however, is a big IF. Most do not provide coverage, and Medicare never covers you abroad.
Would you feel comfortable having a family member risk inadequate medical care in a foreign country?
For cruises, your health insurance from home may not cover you if you’re traveling on a foreign-flagged ship (which includes most cruise ships).
Medical Expense Coverage will cover you for accidents and emergency medical and dental care when you travel abroad.
Even if you are covered for basic emergency care overseas (again, a big IF), your current health insurance provider will almost certainly NOT pay to evacuate you and repatriate you back to the U.S.
- Emergency evacuations
Emergency Evacuation Coverage will pay for emergency evacuation expenses such as airlifts and medically equipped flights back home, and oftentimes will transport you to the hospital of your choice for care.
Evacuation expenses can be devastating.
An ambulance to the hospital, an air medical airlift to a more adequate hospital, getting you back home on board a medically-staffed flight afterwards…evacuation expenses can easily cost $50,000.
- Lost bags, delayed bags, delayed flights
These coverage are for the “smaller things” that are nice to have. Again, the list is not complete but it will give you an idea of some additional coverages.
Baggage Coverage can reimburse you for your personal belongings if your luggage is lost, stolen or damaged.
Baggage Delay Coverage provides money to buy essential items until your delayed bags arrive, such as a toiletry kit, a swimsuit, or another change of clothes.
Travel Delay Coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.
- Phone assistance 24/7 worldwide
This is about having a ‘lifeline’ to call when something happens.
Medical emergencies, stolen baggage, lost passports, cancelled flights. Every travel insurance company provides 24/7 support for all of these needs.
This service is most important when you have a medical issue.
24/7 Travel Assistance Services can help you:
- Locate the nearest adequate hospital if needed
- Organize medical transportation
- Arrange for treatment and overcome any language barriers
- Organize transportation home
- Replace prescriptions in an emergency
In addition, non-medical assistance may include:
- Lost baggage search; stolen luggage replacement assistance
- Lost passport/travel documents assistance
- Travel information including visa/passport requirements
- Emergency telephone interpretation assistance” Originally posted from http://www.travelinsurancereview.net/beginners-guide/coverage/
Requiring medical attention is stressful as it is from waiting for a consultation to different laboratories and examination to the long hours of waiting for the results. Imagine being in this situation in another country and you can’t ask for help because you don’t understand the language they speak.
It is not a problem anymore with the development of travel assistance they provide medical and emergency assistance 24/7. It is a group of trained medical experts and insurance specialist who are available anytime and from anywhere to assist travelers whenever an emergency happens. They can also coordinate a medical evacuation and repatriation back home should a need arise. They deliver emergency assistance to policy holders who suddenly suffer from an acute illness or become injured while travelling abroad; it is a worldwide service and works together with numerous hospital healthcare groups and other service providers around the globe.
These are the basic functions of travel assistance:
“ provide medical repatriation if required
make payment of hospital and medical bills
reschedule disrupted travel plans
provide advice and contact details for airlines and local embassy in the event of lost tickets, passports or travel documents
provide contact details for bank/credit card provider to assist with arrangements for emergency transfer of funds
Provide urgent messaging to your family or travel agent.” Originally taken from http://www.qbe.com.au/Personal/Leisure-Travel/Emergency-Assistance/Insurance.html