Insurance

GeoBlue | International Travel Health Insurance | Single Trip Travel Medical Insurance | For Travel Up to 6 Months | Voyager Choice

fast facts about travel medical insurance

Many world citizens, leisure travelers and business travelers still do not have strong international health insurance protection while abroad. Your options in the absence of a comprehensive travel health insurance plan may be 1.) government-sponsored programs (such as Medicare) that categorically do not cover care received in a foreign country or 2.) health plans employer-sponsored plans that are limited in their international travel medical insurance and very rarely cover medical evacuation. Under employer-sponsored health plans, even if sudden onset illness or injury is covered, services are generally provided on a pay-and-claim basis. this leaves travelers unlucky enough to absorb what could be prohibitively high up-front costs for vital medical care.

why is travel medical insurance so important for international travel?

Accessing health care in some parts of the world can be difficult. Some hospitals do not provide any treatment, or do not allow a patient to be discharged, until the hospital has received a guarantee of payment. This guarantee is essentially what enables direct billing between the health care provider and the insurance company. such guarantees are usually provided by the travel medical insurance provider (along with assistance providers), but rarely for other types of insurance without a travel medical plan, you will have to pay upfront, perhaps up to tens of thousands of dollars, with your credit card. Of course, for this to work, the hospital must accept foreign credit cards and must have a sufficient credit limit.

Reading: Where to buy medical insurance for travelling

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Also, traveling for medical care, either to a place with higher quality medical care or to return home where your regular insurance is accepted, can be difficult. medical evacuations are often too complicated to organize yourself; In addition to finding a receiving facility, you also need to make sure you’re working with a reputable transportation provider. the solution? Most travel health insurance includes a medical assistance benefit, which is essential. gives you a vital lifeline in the form of 24/7/365 access to a company that will ensure you receive proper treatment locally or, if necessary, arrange a evacuation for you with a reliable evacuation company. the assistance company will also be available to help with other travel-related issues, such as legal problems, loss of passports or credit cards, etc. emergencies are rare, but everyone should have a contingency plan. Your travel medical insurance plan can also come in handy when it comes to paying for a medical evacuation, which is sometimes accompanied by a six-figure price tag.

evaluate your personal health plan

If you have health insurance in the United States, the first step is to check with your insurance company to establish what type of coverage you have. You should ensure that your plan includes benefits for medical expenses incurred internationally, whether medical evacuations are covered, and the extent of that coverage. if you’re having a hard time getting a straight answer, that should just be a warning. travel medical insurance policies are designed to pick up where your primary health plan ends. If you don’t have health coverage, these plans act as your primary insurance abroad. the best-designed plans offer more than emergency benefits. They cover expensive items like hospitalization and surgeries, but they’ll also foot the bill for doctor’s office visits, ambulance services, prescription drugs, and more.

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main types of coverage to consider

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health/accident insurance. Generally known as travel health insurance, these policies pay for doctor and hospital bills and sometimes dental care and medications. these plans can be written for short trips (1 day – 6 months) and will complement medicare or a managed care plan. International health insurance can also be purchased as primary insurance for expats or someone moving to another country for an extended period (6 months or more). These plans are comprehensive and include extra features like preventive services, acupuncture, chiropractic care, maternity benefits, and more.

medical evacuation. evacuations can be expensive (up to $100,000 or more from a remote location). In addition to coverage, you’ll want help organizing an evacuation. all geoblue products offer coverage for medical evacuation.

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