The Advantage of Traveling with Health Insurance
15:09 13 September 2021
When traveling out of the country a topic that will be brought up is Travelers Health Insurance. The name of this type of policy may be a little bit deceiving but it gives you more than medical insurance while away from home. It covers many areas of your travels, from the airport to your destination and back.
The first, and the most obvious, part of this policy is coverage against any medical issues that may arise while out of the country. If you already have medical coverage, you may think that you will be covered, but that is usually not the case. Most all in country plans do not cover even the smallest issue while away.
Basic medical complications, such as a broken leg or a poisonous bite will be covered with a traveler’s policy. If you need to be hospitalized bills can add up fast. This policy will cover the costs, including any after care that will be needed.
Emergency Medical Evacuation
While on vacation, or a business trip, many times you will go into areas where medical care is hard to find, or even non-existent. This clause within your policy will help with this situation if something happens. Being transported to an area that does have a medical care facility, by vehicle or helicopter, will be accomplished without any hassle or cost. It allows you the freedom of doing whatever you want while exploring new countries and enjoying everything that they have to offer.
Many travel policies will include a section for delays that you may face during your travels. Rescheduled flights, for instance, that could result in having to stay a night during your lay over. Food that you will need while stuck in place. Transportation costs to and from a nearby room that you plan to stay in. All these expenses can be covered in certain policies. Be sure, when buying Travelers Health Insurance, that you go through the List of Health Funds that are available and find one that offers this add on. You might think that it is not needed, until it happens, and you must reach deep into your pockets to pay for unexpected room and board.
Lost Checked Luggage
You hear about people that have luggage issues in the airports all the time. Maybe it has even happened to you in the past. This area of your policy will help cover any luggage that has been checked in, and then lost. It only covers the luggage once the airlines have possession of them. In other words, when checking in for your flight once you hand the luggage to the attendant, the baggage not allowed to go on with you, your policy kicks in and covers any lost or damaged items.
Accidental Death and Dismemberment
Nobody wants to even consider that this may happen, but if it does, your policy will cover expenses. If you drown while cliff diving, or get bitten by a shark while swimming, this clause will have you covered. This topic is hard for many people to discuss but it is important when buying a policy that you ask if this is included. If not, pay the extra fee to have it added on.
Hopefully nothing listed above will happen to you while on your travels. Unfortunately, accidents happen every day. Getting a Traveling Health Policy is a step that you should always include in your preparation plans. If you travel numerous times throughout the year you may want to consider buying a policy that is yearly rather than for each trip. Most importantly, make sure you read through the policy before purchasing it. Make sure everything that you need covered will be covered, just in case.