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Why you need travel medical insurance when traveling abroad

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There are many factors to consider when determining whether you need travel insurance.

Per Breiehagen/Getty Images

When you are planning a trip, especially one International oneYou might only want to think about packing your passport, sunblock and other essentials – but you might be missing out on something important: travel insurance.

When canceling a trip coverage While this may be the main reason many travelers get insurance, there are other benefits such as travel medical benefits that can come with a comprehensive plan. Emergency medical and medical evacuation coverage, in particular, can potentially save you thousands.

To learn more about affordable travel insurance options, visit a marketplace like Squaremouth Now fill in your travel and traveler information to see dozens of options.

Why you need travel medical insurance

Travel medical insurance can help cover the cost of an unexpected event or emergency that results in an injury or illness during a trip. It covers an ambulance, x-rays and tests, doctor’s bills and more.

Squaremouth advises Getting a policy with $50,000 in emergency medical coverage and $100,000 in medical evacuation coverage for international travel.

There are many factors to consider when deciding whether you Travel insurance is required. But here are some basic reasons.

1. Your current health insurance may not cover you

Americans are often asked to travel abroad Buy travel insurance Because Medicare and Medicaid generally do not cover medical expenses outside the country, The US State Department says. The Centers for Disease Control and Prevention echoes this on its website, warning that Americans may be forced to pay out-of-pocket for medical expenses abroad.

“Even if a country’s health care is nationalized, it may not cover people who are not citizens. Before you go, consider your insurance options if you need care while traveling. Travel health insurance is especially important if you have an existing health condition, Traveling for more than 6 months, or doing adventurous activities like scuba diving or hang gliding,” the agency said. writes.

If you have private healthcare, you should double check to see if it’s going to cover you in different countries. In some areas there may even be it is necessary Or at least require proof of health insurance.

If you rely on this type of medical coverage, you should consider it. If you have any concerns about healthcare coverage, consider getting a comprehensive travel insurance plan to cover all your bases. This is an additional way to protect yourself and your wallet.

2. You want to protect your health and finances

Your health comes first. So, if an emergency arises and you need to go to a doctor or hospital abroad, you should do so. Concerns about possible medical expenses shouldn’t prevent a necessary medical visit – and that’s why travel insurance that includes medical benefits is important.

“The medical benefits of travel insurance are perhaps the most valuable because of the high financial impact that comes with medical claims while traveling,” highlights Squaremouth.

CBS News Senior Travel Advisor Peter Greenberg Previously explained on “CBS Mornings”. That travel insurance is “worth it” if you have a complete understanding of what you are covered for and what you are not covered for. He recommends talking to a travel advisor to make sure you know the details of your coverage plan, which, he says, should include medical evacuation and repatriation insurance.

“If you get sick or injured overseas, the best policies will pay to stabilize you there,” Greenberg explained. “They will consult with your own doctor who knows your medical history, and then, if necessary, they will fly you on a medically equipped jet to the doctor and medical facility of your choice.”

Find a travel insurance plan with these benefits included now!

3. You are planning to travel for an extended period of time

Finally, the length of your stay abroad will influence your decision. The longer you stay there, the higher your risk of needing some form of medical care.

The CDC recommends adding travel insurance with medical benefits if you’re traveling for more than six months or participating in extreme sports or activities.

If you are planning a long-term trip or usually take more than one trip in a year, you should consider it Annual Travel Insurance PolicyWhich can be more cost effective than buying a separate plan for each holiday.

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