When you are traveling around the world these days there is
a lot you need to be concerned with. International travel
health Insurance is one of them. When you travel
internationally you never know what can happen to you, but
you need to prepare for the unexpected.
The first thing you should do is take a good look at your
current health insurance. Many people assume that because
they have health coverage at home, they are covered in other
countries. That’s just not the case part of the time. Even
if your current health insurance does cover some medical
treatments, it is likely they aren’t covering everything.
So, take a good look at your health insurance. Read all the
fine print and if you still aren’t sure call the company
up. If the first person you talk to doesn’t sound like they
know answer, then ask to talk to someone who knows.
If your health insurance does cover international care, then
it may have a time limit. Thirty days is a common limit on
care for international travel health insurance. Again, you
want to make sure on this because if you get special
insurance for international travel, you don’t want to get
If you are going on adventure type of trip, then you need to
have coverage for medevac. Medevac is short for medical
evacuation, such as using helicopters evacuate from some
remote area. I remember when I was last in Yosemite Park in
California, the Park Ranger said it can cost the mountain
climbers $20,000 if they get stuck and need a helicopter to
rescue them! In fact I have heard of some emergency
evacuations costing close to $100,000! Can you imagine
getting hurt, not having insurance, needing emergency
evacuation and then having to pay that amount of money? That
would certainly make my trip less enjoyable.
If for some reason you become very ill and need to stay in a
hospital for an extended period the current health insurance
you have may not cover you for a longer period.
If you are a senior citizen, it’s important to note that
Medicare doesn’t cover you abroad.
According to the U.S. Center For Disease Control and
Prevention half of U.S. travelers abroad will have some sort
of health problem.
There are many types of international travel insurance
plans. There are short term international travel health
insurance plans, there are long term travel health insurance
plans and there are plans that deal with non medical issues.
These issues may be non medical to begin with but they can
make you feel sick later. An example of non medical travel
insurance is trip cancelation for international travel.
Another factor in all this is to find low cost international
travel health insurance or non medical health insurance that
still offers good coverage. Remember to carefully compare
the policy and do some research. Try to find testimonials
and look for any bad reviews of insurance plans. Preparing
well can make the all the difference.