When traveling overseas many people are unaware that their current health insurance plan provides little or no coverage for medical expenses outside their provider network or their home country. Health care costs can be very expensive in certain countries and it is important that you are covered should an emergency arise. Many providers offer affordable Travel Medical Insurance, Travel Insurance, Emergency Medical Evacuation and Visitor Medical Insurance for just about any type of travel.

Travel Health Insurance is a special policy designed to cover your medical expenses if you get sick or injured on a trip. It covers you for only a limited time since most health insurance plans do not cover health problems when you travel internationally. Unforeseen medical problems do arise for travelers, such as broken bones, accidents and illnesses. This is where travelers insurance comes in to help; it will guarantee your medical needs are met when you visit a foreign country. You can purchase a short-term policy to cover you on a short trip or extended-stay health coverage that will cover you for a longer period of time (usually a year) and make sure you understand the details regarding; pre-existing condition limitations, deductibles and co pays, etc.

If you are preparing to travel abroad you should ask your insurance company two questions:

(1) Does my policy apply when I’m outside the United States?
(2) Will it cover emergencies like a trip to the local hospital or should there be a need for an evacuation?

  *Not all plans and providers are available in all states.