If you are travelling abroad, you should take out travel health or medical insurance to help you cover your medical expenses in case of an emergency abroad. Note that medical costs and hospital care abroad can be steep and US-issued policies are generally not accepted outside the US. Medicaid and Medicare programs also do not provide coverage for medical or hospital expenses incurred outside the US.

This type of short-term insurance policy is specifically designed to provide temporary medical coverage for periods as short as five days to as long as a year, and is renewable for two to three years. Major medical insurance policies are also available for those who are travelling abroad for longer periods of time such as six months to a year. Apart from medical care, travel insurance also covers evacuation, accidental death, trip interruption and limited baggage. If you have a major medical policy, however, you have more comprehensive coverage that includes prescription drugs and wellness care.

The types of travel insurance that you can avail of include comprehensive, emergency and medical evacuation. Comprehensive temporary insurance is for those who have no insurance at all, even at home, because they’re between jobs or living and working overseas. Emergency health insurance, on the other hand, is for those who do have coverage but need a supplemental policy to cover the costs of emergency medical care abroad that are not included in their regular policies. If you are so badly hurt that you cannot travel on a regular commercial flight, a medical evacuation (medevac) policy will pay for costs such as an air ambulance and doctors’ and nurses’ fees; however, hazardous activities such as bungee jumping or extreme sports may be excluded from coverage. Other kinds of travel insurance cover the costs of trip cancellation for any reason, including illness and injury of the insured, a travelling companion or an immediate family member, and theft or damage of a vehicle that you have rented.

You can get travel insurance from some travel agencies or suppliers, who include coverage as part of the cost of the ticket. Your regular health insurance provider may also be able to provide you with a supplemental policy that includes travel insurance. There are also providers, such as travel insurance companies and direct providers of medical evacuation and emergency services, who specialize in this type of policy.

To find the best travel insurance, make sure that you are clear on exactly what coverage you need to prevent you from paying extra for something that you will not use. Then do a general search of the different short-term insurance providers and then compare quotes. But when you are asking for quotes, avoid giving out any personal information that is not directly related to your trip in order to avoid getting scammed. Apart from the quotes, also look at just what the extent of the coverage each company provides will be, particularly if you are bringing along expensive electronic devices such as a laptop or camera; make sure that the plan either reimburses the loss of these or that you can specify that you want them covered.

By Chris Carter



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