Travel medical insurance is normally the most comprehensive type of travel insurance you need to protect yourself and your family when taking a trip or vacation. Let’s look at why.
This is an example of the coverage offered on a good travel medical insurance plan. There are more comprehensive and less comprehensive travel medical insurance plans available and the amount of protection will vary from plan to plan and from company to company.
A good travel medical plan will normally include some pretty comprehensive protection, including:
- Hospital Room and Board
- Intensive Care
- Medical Expenses
- Outpatient Medical
- Local Ambulance
- Prescription Drugs
- Emergency Room Accidents
- Emergency Evacuation
- Emergency Reunion
- Return of Mortal Remains
- Return of Minor Children
- Political Evacuation
- Incidental Home Country Coverage
- End of Trip Home Country Coverage
- Common Carrier AD&D
- Sports & Activities
- Identity Theft
- Natural Disaster
- Trip Interruption
- Lost Luggage
Whew it’s a long list huh! All of this protection you can get for a nominal cost, something like $46.00 for a 2 week vacation (for a husband and wife ages 35 and 32). That is a really good investment both for your protection and for the peace of mind you get by knowing you are protected for almost anything which could happen.
Maybe you think you don’t want to spend the money for a good Travel Medical Insurance plan. You want to get a really cheap plan.
OK, lets look at what’s covered and decide what we don’t need.
- Let’s see we could get rid of Identity Theft, but wait what if someone pick’s your pocket in Italy or France and uses your id and credit cards to buy some stuff, is that worth saving $46.00? I don’t think so.
- Why not drop the Emergency Room Accident coverage? You’re not going to have an accident, are you? Remember that if you do you will have to pay for whatever treatment you get before you are released and it could be in the thousands. Really want to chance it?
- Also remember that you are in a strange country and sadly, if you are an American everyone knows that all Americans are rich so you could pay much more than a local citizen would pay. Why not let your Insurance company handle the payments?
Just to save a little money 1 unforeseen incident would more than pay for your Travel Medical Insurance.
You might also think that your credit cards will cover you when traveling, please check them to see exactly what is covered. Most don’t give adequate protection at all, just the bare minimum.
If you think that the insurance you have in your country of residence, check it also. Most times this insurance won’t cover you in other countries or if it does, again it is usually minimal.
Travel Medical Insurance, never Travel without it. The money you save by not having it is really not worth the risk.