Whether you’re planning a trip for business or leisure, travel medical insurance is a must. Here are some key reasons you need travel medical coverage next time you take a trip.
What is Travel Medical Insurance?
Travel medical insurance covers you for emergency medical expenses during a trip. If you are traveling outside your home country and have an unexpected illness, injury, or medical condition, your plan will reimburse you up to the plan’s limits. Some plans can be more comprehensive and other plans only provide medical coverage.
Usually, domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical coverage. Most travel medical plans cover charges for bills such as:
- Doctor bills
- Hospital and operating room charges
- Ambulance service
- X-rays, examinations, treatments, lab tests, and anesthetics
- Medicine
- Dental Care
Why You Need it
Saves You from Unforeseen Medical Expenses
Even if you’re a meticulous planner, there are enough things that can go wrong when you travel, including incurring a cost of a medical emergency. A medical emergency while traveling internationally could easily cost you tens of thousands of dollars, and you may have to pay before care is given or before you can leave the hospital.
When you have travel medical insurance, you won’t have to stress about unforeseen out-of-pocket medical expenses. It can also cover medically necessary transportation to the nearest medical facility, as well as the cost of getting you home following a covered injury or illness.
Treatment Right Away
Being injured or sick while abroad can put a damper on your trip. But what will make it worse is trying to leave the problem until you’re able to get care back home. Ignoring an injury could make it worse and more expensive to treat. And trying to fly home sick is not only miserable for you, but could lead to infecting other people. Travel medical coverage means you don’t have to wait. You can focus on getting the care or treatment you need right away.
Foreign Language Help
If you’re in a country where you don’t speak the native language, getting the right care can be tricky. When you’re not familiar with the local language, you might not know which facility you need to go to or even how to inform them about your problem. If you find yourself in a medical emergency and need a local resource or translator, your travel medical insurance plan may provide services to help you navigate these conversations.
Additional Benefits
Travel medical insurance covers you for emergency medical expenses. But did you know it can also cover you in case of evacuation, reparation, and natural disaster (to name a few)? Comprehensive travel medical insurance can provide benefits that go beyond hospital and doctor bill coverage. Knowing you’re protected in the event of an emergency evacuation or natural disaster is great for your peace of mind.
Traveling? Let’s Get You Covered
Ready to book your next trip? Don’t forget your travel medical insurance! If you don’t know which coverage you need, let us help you out. Jeffery Insurance can help determine which coverage is right for you and get you set up so you’re prepared for your trip. We are based in Scottsdale but are happy to assist you no matter where you are in Arizona. We are Arizona’s health care resource!
