subject: Don't Leave The Country Without Purchasing Travel Insurance [print this page] Imagine falling off a steep, remote mountainside and breaking both arms. If the accident happened in a third-world country you were visiting, the whole ordeal just got much more complicated. In this event, you would wish that you had travel insurance.
Just to reach medical help, could require two days of walking followed by additional driving time. Arrival at the hospital wouldn't be the end of the ordeal; most likely, you would need to find a local teenager to pay for bringing you food and painkillers obtained from local merchants. Typically, medical centers in these countries do not stock such amenities that we take for granted.
If your injury required an operation, it would be a huge leap of faith to trust that sterile procedures were used or that the anesthesia would be sufficient.
You may end up staggering out of the hospital with your limbs taped from top to bottom and a $100.00 charge. Returning home would be a priority, and you would be anxious to locate the first flight that was available.
If you find yourself in this predicament, a private insurance provider can compensate you for a total of four different operations, as well as physical therapy for half of a year. This would not be available to those without insurance. The further you travel from home, the less likely medical care would be available and modern, therefore, the more you need travel insurance.
Certain travel agents or health insurance providers offer travel insurance, which might also combine coverage for canceling your trip with necessary medical care. While there are a myriad of coverages available to buy, typically they are priced on a scale based on a charge per each $100.00 of insurance.
Most often, the people who consider and purchase travel insurance are the elderly who worry about needing care for an existing health problem or that they'll need to cancel their trip due to illness. Medicare, does not cover health care costs while you are overseas, but some other insurance companies may. Most senior citizens rely on Medicare as their primary source of health care coverage.
When receiving medical care abroad, it is likely that the hospital will require your medical costs to be paid by traveler's check, credit card, or cash, at the time of service. These methods are okay if your medical incident is relatively minor, such as those things that only need a couple of stitches. An emergency requiring more extensive care, however, could make travel insurance a necessity.
Health care insurance for while you travel will reimburse you any money it cost to cancel your trip due to someone getting sick or worse. This cost reimbursement covers incidents related to yourself or that of a relative. Cost is also reimbursed in the event your trip is canceled because your tour group or airline goes bankrupt.
In addition to travel insurance, it is important to consider a number of health care issues before traveling abroad. Certain shots and vaccinations are required before visiting certain countries which necessitates a visit to a travel clinic at a local hospital. It's wide to preemptively contact your healthcare provider in order to gain a better understanding about taking care of medical business in foreign countries.
A good preventative plan is to include the following when you pack: thermometer, antibacterial ointment and bandages, in addition to a general first aid kit. Estimate how many prescription pills to take along, and then double it as a precaution. It is handy to have prescription slips in Latin and with generic names.
Aside from travel insurance, some credit cards include some protection when traveling. Typically, American Express issues a standard protection allowance to everyone who travels on their card, with assistance for car trouble, lost suitcases or valuables, or even major injuries. If card holders choose to pay an additional fee, coverage can be obtained for other incidents, such as emergency evacuations, missed flights, medical expenses and other circumstances.
Proper planning can minimize the trauma of many unexpected events that can arise during foreign travel. Make sure that for any insurance policy that you decide to buy that the fine print is read. While the purpose of travel insurance is to protect you, so it's important to check all the details.
by: John Chambers
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