10 Things About Travel Medical Insurance

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Travel Insurance

• Are you able to predict the future? Are you able
  to plan when you want to and dont want to get
  hurt and or sick?
• If you answered yes to both of these questions
  than you will already know when you need to stay
  home, and when it is safe to travel.
• But if you answered no to either question,
  continue on to learn how you can save your self a
  lot of stress and money when it comes to
  unexpected sickness and/or injuries while out of
  the country.

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1. Research insurance you already have

• Please note that Medicare does not cover you
  outside of the United States.
• Check with your health insurance company and see
  if they have an International Claims Form that
  you need to bring with you on international
  travel.
• Contact your credit card company and homeowners
  insurance company as well, because they sometimes
  offer baggage loss, theft protection, medical
  benefits, and/or accidental death benefit.

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2. Medical travel insurance covers you in the
event of illness or injury during your trip and,
if necessary, for medical evacuation.

• In some countries you will not be able to be
  treated with the proper care because of their
  limited resources. Make sure that you have
  medical evacuation on your plan, so that if this
  is the case you can be sent to a country that has
  the medical resources you need.
• Research the policies that you are looking at
  carefully, so you know what you are paying for in
  advance.

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3. If you travel frequently, especially
internationally, consider additional Insurance
from air ambulance card.

• By getting additional coverage you can receive
  prepaid hospital-to-hospital air ambulance
  transportation.
• Once you are an annual member you can receive
  assistance to be brought to a hospital closer to
  your home, assuming they have the equipment
  needed.

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4. Be prepared if something happens. Know who
you can turn to .

• Visit http//travel.state.gov/visa/questions_emba
  ssy.html to get all the important contact numbers
  you will need in case of an emergency.
• Having an emergency contact number will allow you
  to find an english speaking physician when
  needed.

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5. Trip cancelation/interruption insurance
offers protection in the event something
unexpected forces you to cancel or interrupt
your trip.

• Cancelation and Interruption insurance covers you
  in certain situations, most of which will be
  outside your control, such as the death of a
  loved one, or bad weather.

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6. A comprehensive travel policy covers both
medical and trip cancelation/interruption events.

• Look for independent insurers who sell travel
  policies. They are going to give you the best
  rate they can, while also guaranteeing the
  faithfulness of their service.

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7. A variety of travel insurance policies
exclude pre-existing medical conditions.

• Look carefully over the plans you are interested
  in and see if pre-existing conditions that you
  have or members you are traveling with have, will
  be covered.

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8. Cost of travelers Insurance will vary based
on the coverage provided.

• Although must of us want to find the policy that
  is the least expensive, usually the least
  expensive plan is not going to have the coverage
  you desire.
• When adding up the cost of the plan the following
  things need to be considered type of coverage,
  length of trip, cost of trip and travelers age.

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9.Finding the best plan for you and your family.

• Take the time to read about the policies you are
  looking at so you know exactly what needs will be
  met with the plan.

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10. Dont Forget!!! Take your travel insurance
certificate and emergency call numbers with you
on your trip.

• You cannot be to prepared! Bring the important
  documents and phone numbers you may need with
  you, and leave a copy at home with friends or
  family so they know where you are going and for
  how long.

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HAVE a great trip!
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