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Travel Insurance Is It Necessary
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Travel Insurance Is It Necessary

That you want to leave your homeland for a while, see the sights, take a picture, or maybe do business. You pack your swimsuit, extra layers, walking shoes, sunscreen, but the question remains: do you travel with health insurance? What happens when you can go to Brazil as you always wanted and then drop a mojito in an accident and break your spine? What if an escargot from an elegant restaurant in Paris was a bad reaction to your American digestive system and you were suddenly plagued by the worst food poisoning you've ever experienced? It's not a trifle; According to the U.S. Centers for Disease Control and Prevention, half of all U.S. travelers traveling to another country experience some form of health problem abroad. Since the release of Michael Moore's "Sicko", we all know that many other countries (specifically France, Canada and Cuba) provide cheap, sometimes free health care to their citizens, but how does it work in our country? Americans, abroad? The truth is that unless you make special preparations, the prospects are not right. According to www.worldwidemedical.com, "most U.S. insurance companies, HMOs, PPOs or Medicare [plans] do not provide adequate health insurance." There may be exceptions and you should look at the correct printing of the plan, but every major U.S. health insurance company recommends taking out some form of travel insurance. . Unfortunately, no foreign country offers passengers free medical care.

Travel insurance plans provide three types of coverage: medical care abroad, medical evacuation costs in the event of an emergency, and payment for a sudden cancellation and loss of luggage. If you need medical help abroad, most insurance companies provide support in the form of hotlines. They will advise you on the best hospitals in the area, such as the pros and cons of local systems. It is strongly recommended that you consult your provider before seeking treatment in a foreign country. Insurance providers also warn that most hospital systems in third world countries require prepayment for the services offered. This fee is paid by the plan. The most urgent problem is the case of medical emergency evacuation from a foreign country back to the USA. Evacuations are necessary in case of a serious medical condition and the passenger / patient must be returned to the care of their primary care physician or home specialist. It can cost more than $ 10,000 because it is a coordinated effort between multiple hospitals and at least one airline. Most travel insurance plans provide specific coverage options for this contingent.

Another aspect to consider when traveling abroad is the cost of sudden cancellations, such as changes in travel plans due to medical or other emergencies. At a time when airlines are picking up lost baggage numbers, this aspect of travel insurance provides compensation for the purchase of clothing and other necessities. In this sense, you can be the winner: imagine an "emergency" shopping trip to the beautiful Milan brand stores.

So, whether you are planning a trip to Canada or a fortnight's walk on Machu Picchu, bring warm socks, a swimsuit and your new friend Mr. Travel insurance.

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