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Consider Travel Medical Insurance when Traveling Abroad

April 23, 2013 by

Crutches

Medical travel insurance covers illness and injury abroad.

Even if you are fortunate enough to have good medical health insurance, often policies don’t cover medical needs when overseas. When traveling abroad, it is a good idea to buy travel medical insurance according to the U.S. State Department.

Falling sick or getting injured while abroad is not only an unexpected expense, but most private American health insurance policies do not cover treatment outside of the U.S.

Warwick Hospital Accident & Emergency

Cost of International Travel Medical Insurance

Lack of coverage abroad extends to Medicare and Medicaid, too. They don’t cover medical treatment outside of the United States. To cover an unexpected illness or injury while overseas, short-term international travel medical insurance plans are designed to protect you on your trip at a relatively low cost.

Typical single-trip medical travel coverage ranges from $40-$80. Cost is based on the length of your trip, your age, and medical and evacuation limits. Unlike regular traveler insurance, most medical insurance for travel does not cover trip cancelation, interruption, delay, or baggage loss. They are meant to cover needs of travelers while abroad who need medical coverage to protect them while overseas.

Where to Find Travel Medical Insurance

Medical insurance for travel is available through dozens of companies. It may be available through your travel agent, but you can also talk to organizations like AAA who can help you find a policy appropriate for your trip. Online resources like Travel Insurance Review and InsureMyTrip.com offer links to insurers that make it possible to compare policies.

Injured on vacation overseas

Check with Your Insurance Company

Before you purchase international travel medical insurance, be sure to check with your own insurance company to learn exactly what coverage you already have. Some policies cover medical needs abroad. If you’re one of the lucky ones who are covered, you won’t need to consider a separate policy for travel medical insurance.

Photo credits: tylerkaraszewski, lydia_shiningbrightly, artist in doing nothing



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