Many people do not realize that their insurance does not cover their health when they are traveling abroad. Many private companies, as well as public health insurance companies, do not cover health emergencies outside of the country. Moreover, if there is an emergency overseas, you would need to cough up money for the medical bills. What can you do in such cases? There are companies which offer short term health insurance for travelers, but it is imperative to select the right policy from the many policies on offer. So, how can you select the right travel health plan for your needs?
Ask your current provider whether they cover you overseas
Ask your current medical insurance provider whether they can cover you and your family while you are traveling overseas? Even if they are covering you partly, you would still need to go in for an additional travel health policy that would help cover emergency services that require the person to be admitted to a hospital by evacuating them with the aid of a helicopter or an airplane, and other services.
Evaluate your needs
Evaluate your needs and requirements before you can seek an additional traveler’s health cover. There are however factors that can affect your traveler’s health policy such as any pre-existing medical conditions, any high-risk activities you are planning to participate in such as scuba diving, snorkeling, hiking, and the like, the duration of your stay overseas and the travel destinations you intend to visit.
Before you can purchase an additional traveler’s health insurance policy, ask the company the right questions and also make sure you plan carefully. Ensure that the policy would cover all your needs and requirements during your travel abroad. You need to know how much amount is provided by the insurance policy, what the deductibles are, whether co-payments are involved, and whether there are any special refund policies.
Buy from a reputed company
When you are buying additional traveler’s medical insurance, make sure you go in for the services of a reputable company. You can also ask your relatives, friends and your acquaintances what kind of policy they went in for and which company provided them with the services. Make sure you also research customer reviews on the internet about the company, whose services you intend to go in for. When you are a senior person, you may, however, want to make sure that the company offers health insurance as part of your public healthcare plans.