How To Know When You Should Buy International Travel Medical Insurance

January 23, 2017

Many international travelers today don’t think they need international travel medical insurance because they don’t realize their company insurance, travel insurance or personal medical insurance may not be valid outside of the United States. And this goes for government-funded health insurance too. Check to see what your health insurance or travel medical insurance policies cover. Make sure to read the fine print and the exclusion clauses.

Most comprehensive insurance policies offer three types of coverage – financial reimbursement for trip cancellation or lost baggage, medical coverage and emergency medical transportation and they differ from standard travel insurance policies. The cost of international travel health insurance policies depends on the type of coverage you need, your destination, your age and gender and the cost of the trip.

International trips or trips abroad are generally more expensive so you should consider getting additional insurance for any trip outside of the mainland USA, especially one with nonrefundable deposits.

There are a number of unforeseen circumstances that can interrupt your vacation or even cancel it, such as an unexpected illness, bad weather, a sudden death in your family or even a job change or jury duty that you can’t leave.

Any time that you have nonrefundable deposits or purchases you should have travel insurance. You should consider buying international travel medical insurance if you have invested a lot of money in your vacation or if you can’t cover any unexpected medical costs or emergency costs at you arrival destination.

If you’re traveling by yourself or with your family at an additional cost to you or if you’re traveling to areas that have known catastrophic events such as natural disasters, extreme political turmoil or health advisories, you should have international travel medical insurance. Or if you have an existing medical condition that is cause for concern, then by all means get insured properly.

You don’t want to be sitting in a hospital emergency room in another country and find out that you’re not covered by any of your other insurance policies. And Medicare doesn’t cover any eligible U.S. citizen traveling in Canada or Mexico either.

One of the most important reasons to buy international travel medial insurance is for getting emergency transportation out of an undeveloped country and into a country with proper medical facilities. It can easily cost $20,000 to get airlifted out of a foreign country. International travel medical insurance may seem cheap after an experience like this.

Oftentimes people think when they have travel insurance that they are fully covered for international travel or they think they are covered on their health insurance policy for medical expenses. This is usually not true.

Make sure to read your existing policies thoroughly especially the fine print and the EXCLUSION clauses to fully understand what you have and don’t have. There is a big difference between travel insurance policies and international travel insurance policies. And make sure to get several quotes to get the best low cost international travel insurance. It’s important to think ahead and it can be a tough decision for some but you can’t buy international travel medical insurance when you NEED it!

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