A common misconception is that your healthcare policy will cover you no matter where you are in the world. Unfortunately, generally speaking, this is not the case. If you are abroad on vacation, or having to travel to another country on business, and are taken ill or injured, it is very likely that you will have to pay the medical expenses yourself. The only way to avoid this situation is to purchase travel insurance.
Keeping Within Your Budget
Some of us save all year to be able to go on vacation abroad. We can sometimes get cheap flights, find accommodation that is not overpriced, and get all the necessary visas to enter the country of our choice.
However, there are other things you need to consider. It is not unusual for the change of water and food to cause an upset stomach, for example, and you might need to seek help from a local doctor or hospital. If your budget will not stretch to meet their bills, how do you get the help you need? Most countries would treat an ill or injured person anyway, and send them the bill afterward, but there are some situations where you could be refused treatment if you cannot prove your ability to pay. Also, some cruise ships work this way as well, and no payment can mean no treatment.
Although it might stretch your budget a little, it is well worth buying international medical insurance before you leave the US.
What Will A Travel Insurance Policy Pay For?
What the policy will pay for depends on the type of cover you buy. There are many different sorts of cover,from basic medical cover through to comprehensive policies, that cover most circumstances. The premium is affected by your age, which country you are traveling to, and the purpose andduration of your trip. Some policies will include things other than medical and dental costs, such as if your baggage gets lost or your vacation is delayed through no fault of your own.
The best thing to do is to study the options available and get quotes for your planned travel abroad. Then purchase the best medical insurance you feel you can afford.
Speak With The Experts
When you have several quotes and the terms and conditions relate to several policies, it can all get a bit confusing,to say the least. This is why you should speak to experts when you are thinking of buying travel insurance. They will understand all the ins and outs of the different policies and will be able to advise which is the best for your trip abroad.
It would be awful to find that you need treatment for a broken armand the policy you have purchased only covers illnesses, not accidents. It could be there is a limit on how much a policy will pay, and there are many other things that need considering and you need to be aware of before you choose the right policy for you.