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Holiday, Vacation & Tour

 

Why Traveler's Medical Insurance Is An Important Investment

With the many recent bankruptcies in the travel industry, and with the increased threat of terrorism overseas, travel insurance has become one of the most important investments you can make before your next trip.

How much would it cost if you needed to cancel your trip or come home early? Who would you call if you suddenly fell ill in your overseas hotel room? How will you navigate the local health care system if you get run over by a local bicyclist? Travel insurance can ...

travelers,medical,insurance,expatriate,global

With the many recent bankruptcies in the travel industry, and with the increased threat of terrorism overseas, travel insurance has become one of the most important investments you can make before your next trip.

How much would it cost if you needed to cancel your trip or come home early? Who would you call if you suddenly fell ill in your overseas hotel room? How will you navigate the local health care system if you get run over by a local bicyclist? Travel insurance can cover a lot more than trip cancellation costs and lost luggage.

Unlike most insurance policies that are purchased annually, most travel insurance covers a single trip. Single trip travel insurance is designed for those of us who take one main holiday a year or who prefer to have a few short breaks from the daily grind.

However, if you travel often, you can purchase a multi-trip policy that covers all your travel for a specified period of time, depending on your needs. The right policy is the best way to minimize the financial risks of traveling overseas.

Although many people think of trip cancellation coverage when they think of travel insurance, the medical element of travel insurance may be more important, especially if your group health plan does not have benefits outside your own country. In fact, travel Insurance is highly recommended by the Department of Foreign Affairs and Trade for all overseas travel.

Before going abroad, learn what medical services your own health insurance will cover overseas. If your emergency medical care and transportation are covered by your group health policy, you may not need a separate travel policy that covers your health. However, if you have an HMO or managed care plan, or if your health care needs are covered by Medicare or your national insurance plan, you should consider an international medical policy.

Your first step is to check with your health insurance company and see what it covers. Will they help you out if you lose your prescription medication along with your luggage? Will they help you find a good hospital or an English-speaking doctor in a foreign country? Will they cover emergency evacuations if the local facilities are unable to treat your illness or accident?

If your group coverage allows claims from other countries, how long will it take for you to be reimbursed, and how easy (or difficult) is it to file a claim? Once you have answers to these questions, you’ll know if you should add medical coverage to your travel insurance policy.

If you travel for business or if you are taking an extended trip lasting for several years, you may need an international health insurance policy designed specifically for expatriates and citizens traveling around the world. There are many global insurance carriers that offer life, health, disability and travel insurance to individual travelers and to companies with employees overseas.

The coverage offered by different international companies will vary a great deal from one policy to the next, so carefully review all fine print before making your choice. You might also check to see if the company is regulated by your own national laws and insurance regulations.

In a world where anything can happen, travel insurance is your ticket to safeguarding your trip. Emergency medical travel insurance is essential to protect yourself, your family and your personal finances, and to give yourself peace of mind while enjoying your Holiday, Vacation & Tour or business trip abroad.

 

How Travelers Health Insurance Can Protect You Overseas

When you’re planning your Holiday, Vacation & Tour overseas you look forward to sunny skies, romantic nights, and spectacular sights. What you don’t look forward to is the possibility of becoming ill or injured during your trip, but it happens.

If your regular group health policy doesn’t cover your medical expenses overseas, they won’t be much help if you have a medical emergency on your trip. Fortunately, many travelers’ insurance companies now offer medical coverage during your trip any...

travelers health insurance

When you’re planning your Holiday, Vacation & Tour overseas you look forward to sunny skies, romantic nights, and spectacular sights. What you don’t look forward to is the possibility of becoming ill or injured during your trip, but it happens.

If your regular group health policy doesn’t cover your medical expenses overseas, they won’t be much help if you have a medical emergency on your trip. Fortunately, many travelers’ insurance companies now offer medical coverage during your trip anywhere in the world, at an affordable price.

Before searching for a new policy, check with your current health insurance company. Many large carriers, such as the BlueCross BlueShield association members, offer coverage for foreign claims, and also have customer service departments that are trained to help you navigate through a foreign health care system in case of emergency.

However, this benefit may not be available to you if your group insurance requires you to seek treatment from a specific provider network. Most HMO and managed care plans restrict their coverage to a specific service area.

If you're covered by a smaller group insurance company they may accept claims from doctors or hospitals in other countries, but you may want to give them a call to see if their customer service staff is familiar with foreign health care systems, and if the company has developed long-term relationships with hospital systems outside the US. If not, they may not be able to help you find care in an emergency.

Many Medicare supplements also exclude claims from foreign countries, as does Medicare itself.

For peace of mind, you will want a temporary travelers health insurance policy if your own group plan does not cover medical costs overseas. When searching for your new policy, make sure you read the contract to find out if the policy covers pre-existing conditions, medical evacuation, and emergency travel services.

Your travelers' medical insurance carrier's customer service representatives will be your first resource in case of emergency overseas. Some companies go far beyond paying medical claims and help you to:

- Find a new flight in case your scheduled flight was cancelled.

- Help you fill an emergency prescription if your medication is lost or stolen.

- Get you emergency cash if your wallet is stolen, and help you replace a stolen passport.

- Arrange and pay for emergency evacuation to the nearest hospital in case of accident or illness.

- Reimburse you for non-refundable costs if your trip is cancelled due to illness.

- Help you find lost luggage.

- Schedule an appointment with a qualified English-speaking physician in the city you’re visiting.

The services offered, and the premiums charged will vary greatly between insurance companies and between policies. The premiums will go up as the benefits increase and the deductible goes down, so careful shopping is important. For instance, you will want to be careful to choose a policy that covers pre-existing conditions if you have a chronic illness, such as diabetes, that may cause you to seek medical attention on your trip.

Before leaving home, be sure to find out if your group policy will cover your medical expenses overseas. If not, a good travelers’ health insurance policy will give you peace of mind on your next Holiday, Vacation & Tour.

 

Will You Risk Not Having Health Insurance When Traveling To Canada?

Canada has a universal public health insurance program (Medicare) that usually covers the cost of most injuries and illnesses for citizens, meaning that individuals requiring dental or medical attention can visit doctors and hospitals with no bills to pay. However, some areas of health care aren’t covered by the governmental plan and travellers from other countries or new residents may not have access to the free health care, making short-term insurance a must. Suffering a me...

Health Insurance, Travel Health Insurance, Short Term, International, Canada, Temporary Tourist

Canada has a universal public health insurance program (Medicare) that usually covers the cost of most injuries and illnesses for citizens, meaning that individuals requiring dental or medical attention can visit doctors and hospitals with no bills to pay. However, some areas of health care aren’t covered by the governmental plan and travellers from other countries or new residents may not have access to the free health care, making short-term insurance a must. Suffering a medical emergency in a foreign country, even one as close as Canada, can empty your wallet very quickly.

Most short-term health insurance providers offer insurance for periods from as little as a few days to up to a year. Considering that many travellers to Canada can visit for only six months per year, health insurance coverage for longer periods may be unnecessary. However, individuals planning to enter and leave the country frequently over the course of a year should look into coverage that is as long as possible.

If you have health insurance in your own country, you can check with the insurance provider to see if your current coverage will also cover any accident or illness while travelling abroad, as you may not need a separate short-term insurance while on Holiday, Vacation & Tour or business. United States insurance companies can provide extra insurance for travellers to Canada based on the time spent out-of-country and the limits of coverage required. While health care costs in Canada are relatively lower than costs in the United States, you can estimate that a hospital stay in Canada might average $3,000 a day and having insurance coverage limits of approximately $50,000 is a good idea.

Compare costs between insurance companies and find out ahead of time what medical needs are covered and what aren’t. Never assume that the worst won’t happen, as it’s always better to be safe than sorry. Also, do work with an insurance company that is professional and that carries a strong reputation. While unknown companies may have cheaper rates, choosing an insurance provider with a name most people recognize is the best decision. Be careful of deductibles, as they’ll affect the overall cost of the insurance coverage. Higher deductibles lower rates and while paying out of pocket may seem feasible at the time you agree to take short-term insurance coverage, you may find yourself in serious medical straits without the available cash or funds required for treatment.

A consideration about requiring short-term health insurance for Canada is whether the individual has a pre-existing condition, as most short-term insurance plans will not cover costs relating to existing situations. Short-term health insurance is for emergencies only and for medical attention that is sudden or unplanned. Evacuation is something to look into, should you need to return to your home country or place of residence quickly. Many insurance providers don’t offer the option of covering costs of evacuation, and the procedure could be expensive. Also, include dental insurance in your coverage if possible, as many people overlook this aspect but find themselves requiring emergency oral care.

Always carry identification on you, as well as information or a policy card that lets emergency attendants know that you have insurance coverage. Your identification should include the provider and policy name, effective dates, and as much pertinent coverage information as possible.




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