Medical Insurance

Archive for the ‘Medical Travel Insurance’ Category

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When you head out on a vacation, particularly outside the country, it is highly recommended that you purchase medical travel insurance. You certainly aren´t expecting to get hurt, but if something does happen, you want to be sure that you get the best care, without having to worry about the medical costs.

There are plenty of benefits to having medical travel insurance, and the fact is that it is usually so cheap that you shouldn´t even have to wonder about it. Just get it and be protected. Here are a few of the benefits:

Get better medical care. If you are in a car accident while traveling, you will need medical attention. Not every country has the same system, so you might be sent to a free hospital or clinic if you haven´t got enough money on you. These places are notorious for doing poor work and even killing their patients! This way, your medical travel insurance covers everything and you will be sent to a good hospital, no matter what country you are in.

Avoid “foreigner” fees. Depending on what country you are in, you may be charged extra simply because you are from elsewhere. This is unfair, but a common practice in many countries, such as Mexico, a popular vacation spot. If you are paying out of your own pocket, the cost could be too much to deal with, but with medical travel insurance, you have backup. If there is an issue, the insurance company will probably deal with it.

Choose your own trip length. You can purchase medical travel insurance to cover a specific time period, making sure that you are covered the whole time you are out of the country. If you will be traveling in and out of the country over the year, it´s usually best to buy coverage for the whole year, rather than individual trips. You´ll find that it comes out cheaper and you will be protected on every trip, not just one.

Emergency medical evacuation. There are times when the local hospitals (particularly in third world countries) are simply not equipped to deal with your medical issues. If you come down with something that they can´t treat or don´t have the equipment to treat your injuries, rather than dying there, you will be covered for evacuation by your medical travel insurance. This doesn´t necessarily mean that you will be sent back to your home country, you may be relocated to a hospital that is closer and equipped to handle your medical issues, first.

Return of body. No one ever wants to think of dying in a foreign country, while on vacation, but unfortunately, this does happen from time to time. In this case, your medical travel insurance should cover the shipping of your body or ashes, whichever you prefer, to your home country where your family members can bury you appropriately. Without this option, your family would have to come to the country and make arrangements to transport your body back, a process which can be very complicated and expensive at a time when they are mourning.

Medical travel insurance is something that every traveler needs to consider. You don´t want to end up sick or injured on your vacation and without options. Medical travel insurance allows you to receive the best care and for the expenses to be covered, so you can simply focus on recovering and enjoying the rest of your vacation.

Whether you are traveling for business or pleasure, purchasing travel insurance can help save you money. It is the same principle that applies when you buy something of value like a car or a classic piece of jewelery. Should anything happen, you do not want to lose your investment in one day. Most likely, you would want that car or ring replaced at full purchase value. If you have purchased air tickets, you would want to protect that investment as well. Who wants to lose money especially in these dire economic times?

Ways that Travel Insurance Can Help You Save Money

There are at least three situations where purchasing travel insurance can help you save money:

• Cancellation of flights – If you or the airline decides to cancel the flights you are booked in, your airfare will be partially covered by travel insurance. Say if you spent $4,500.00 worth of air tickets for you and your family, and suddenly the airline closes down for business or cancels a flight for any reason, you do not lose all of the $4,500.00 because travel insurance will reimburse that amount. Of course the airline will probably refund you the money if it is their fault, but having travel insurance will compensate you for the inconvenience and trouble. Also, if you cancel the flight yourself, travel insurance will get you back your money.

• Loss of luggage – When you purchase travel insurance, make sure it covers lost luggage as well. Imagine landing in some foreign country with none of your luggage! While most airlines are efficient about recovering lost luggage and delivering them to your door, don’t rely on that efficiency. There have been instances where luggage was never recovered.

• Medical problems – You may be in perfect health when you leave for vacation but you increase the likelihood of getting exposed to viruses or bacteria either in the plane or in your country of destination. There’s also the chance that you could accidentally drink the local drinking water or eat contaminated food. Medical visits in some foreign countries can cost an arm and a leg so you wouldn’t want to spend all your vacation money on doctor’s visits! If you have travel insurance that covers expenses for brief hospitalizations, medicine and emergency situations, think about how much all these could add up if you didn’t have travel insurance.

Tips for Purchasing Travel Insurance

• Ask your insurance provider – If you have an insurance company that insures your car, house and other property, they may also offer travel insurance or they may work with a partner or affiliate who does. Because you are an established customer, they may offer you travel insurance at lower rates. It doesn’t hurt to ask. In fact, in some instances, you may be better off going with your existing insurer than purchase separate insurance from the travel agent who books your flight.

• Go for the whole nine yards – What this means is if you are traveling with the family, you might be better off buying family travel insurance instead of separate insurance policies. It also means that because traveling with children entails more risk than traveling alone, you may want to consider travel insurance that offers comprehensive coverage; that is, plane fares, luggage, and health and medical visits.

• Multi-trip travel insurance – If you make more than one trip every year, you might be better off purchasing an annual multi-trip travel insurance policy. This would save you the hassle of purchasing travel insurance several times during the year. Some travel insurance companies will usually sell you a 12-month package that is renewable yearly and this is a huge convenience if you travel a lot during any given 12-month period. The single biggest advantage of buying an annual policy is that you don’t need to worry about arranging for emergency medical coverage.

• Compare packages and prices – As for most major ticket items, it pays to shop around for insurance. If you know you will be travelling six months from now, don’t wait until the month before your travel date to do some bargain hunting. Start now so that you are not rushed about reading the fine print and you can make a more informed decision about the kind of travel insurance that is ideal for your situation.

Remember to do the cost analysis if you are ever tempted to skip travel insurance. Even if your ticket is discounted, say you paid $600.00 to go to the Caribbean. Travel insurance will cost about $85.00 to $100.00. If you are forced to cancel your trip, you lose $600.00 (restricted and discounted tickets are usually non-refundable or non-transferrable) versus the $100.00 you paid if you had purchased travel insurance. If you want to save money, put travel insurance on the top of your list.