Travel Health Insurance Basics
Travel health insurance is not only just an activity that you can or cannot do before going outside of your country; it is now part of your traveling. If you open your U.S passport to page two, you will see there is a warning about health insurance. According to U.S Medicare that if you are planning to travel outside of U.S, you must determine what health insurance coverage you have and it doesn’t bear any insurance cost outside the United States.
There are still many international travelers who do not have proper insurance coverage and the worse thing is that government sponsored health programs such as Medicare never cover in foreign country. Another thing is that if employee has employer-sponsored insurance coverage, the insurance company sometimes limits the foreign coverage to emergency care only. Ultimately the burden is on yours. That’s why it’s a better idea to get a health insurance while traveling outside.
Why Health Insurance Is Very Important to International Travelers?
It cannot be easy of getting health care in some parts of the world because there are some hospitals which will not provide treatment or will not discharge until they has get the guarantee of payment. You will have to suffer physical or financial loss if you face any situation like this. The guarantee of medical payment is provided by the travel insurance company from which you have insured, but rarely the insurers care about insurance plans.
If your insurance company does not response, you may have to pay in advance by your credit card and your card must have sufficient balance. Just make clear that they have insurance agents or managers where you are planning to travel or they will communicate with your hospitals as soon as you need.
If you have health insurance in the U.S., before applying for another travel insurance policy, check with your insurance company what kind of insurance coverage they have for you. If you are lucky, you see they have travel insurance coverage for you, but you need travel insurance plan if they do not have insurance coverage in your existence health insurance. Choose your travel insurance plan wisely because if any emergency they do not cover, you are on your own.
Most of the travelers get travel health insurance because of protection against unexpected health emergency. Suppose you are traveling a foreign country and fall in accident, but medical treatments are not available and you need medical evacuation than you need travel health insurance. Another thing can happen that you need medical treatments but you are out of money, so it can be all getting worse unless you have travel health insurance with appropriate health coverage.After reading this you know the basics of travel health insurance, now the question is who should buy travel health insurance.