Health Care Travel Insurance Puzzle Demystified

Healthcare is perhaps the most confusing area in purchasing travel insurance. Most people think they are covered if they already have existing health care insurance. Within the United States, that’s true. Outside the U.S., however, is a big IF. And in some cases, your insurance won’t even cover you if you’re travelling on a foreign-flagged vessel. This is a huge red flag, since most cruise ships, even those cruising U.S. waters, are not flagged in the U.S.

In many cases, even if you are covered for basic emergency care overseas (again, a big IF), in almost all cases, your current health insurance does NOT cover you to evacuate you and repatriate you back to your home country.  This is where Medical Evacuation and Repatriation” insurance comes into play. It’s an insurance program (usually an annual premium, not often purchased per trip) where if you get sick or injured overseas the policy will get you treated, stabilized and flown back to your home country. There are a number of good companies that provide this plan, two of which are Travel Guard and Medjet Assist. Our Advice: YES, get this, with another important caveat: read the fine print. With Travel Guard and Medjet assist, these policies provide that they will get you initially treated and stabilized and then send a medically equipped and staffed jet to fly you to the doctor and medical facility of your choice. This is crucial. Many other companies offer this insurance will fly you to the doctor and medical facility of their choice, which may not fare up to the standard.

And then there’s another reason for getting this coverage: If you’re in a foreign country, particularly a developing country, many hospitals will admit you without caring about coverage, but they won’t let you leave until you pay. Travel insurance can help facilitate payment, and act as an advocate so that you’re not overcharged just because you are a foreigner.

 

Travel Guard
Travel Guard is America's leading travel insurance plan provider. Specialized in providing innovative travel insurance, assistance and emerg...
Always check the medical cover of your travel insurance
Before buying a special medical insurance policy for your travel, check with your medical insurer — you might already be covered by your exi...
8 basic questions to ask before you choose your perfect travel insurance package
When booking your travel insurance, ask yourself: 1. Are you booking the recommended level of cover for your destination? 2. Are you c...
Travel Insurance on Terrorism
Read your travel insurance policy wording carefully. If a war breaks out, or there is a terrorist act occurring during your trip, are there ...
How Not to Use Your Travel Insurance
Even though you may have purchased a complete travel insurance package, it is still important to make sure that you take care of your posses...
Volcanic disruption: Are You Covered by Your Travel Insurance?
Volcanic ash disruption may pose confusion to travellers who have been affected. The common puzzle is what they can rightfully claim from th...
Declaring Before Purchasing
BEFORE PURCHASING If you have any pre-existing medical conditions, then the rules for acquiring travel insurance are altered. In terms of...
The Tell Tale of Travel Insurance Gone WRONG
There was a story about an Australian living and working in Thailand who accidentally let his travel medical insurance lapse. One morning, h...
Common mistakes when travelling abroad (Part 1)
Watch out travellers! Below are the common mistakes that you are prone to do when travelling abroad. Take not and try to avoid these silly b...
Common mistakes when travelling abroad (Part 2)
Here are some other common mistakes that you might want to avoid when you are wandering the globe! 6.     Sticking to the tourist trail ...
Adventure in South Pole with Travel Insurance Protection
For the brave-hearted everywhere, travelling to the South Pole is not an easy feat. Careful consideration must be put into practice, as ...
Travel insurance myths debunked
                  Most people who do not travel frequently usually have very little idea about the nooks and crannies of travel insurance. H...

Sorry, comments are closed for this post.