Saturday, April 19, 2008

International health insurance

Reader question:

We’ve just started making enough money so that we can seriously think about taking vacations every year. We’re planning the first one now (way ahead of time), and we’re trying to make sure that we do everything right, because we want to travel internationally and we’ve never been out of the country before. What should we plan for with international health insurance?

Great question.

Everybody knows that they should have health insurance at home just in case something happens, and it doesn’t make sense that there are people who don’t think the same for international travel health insurance. It’s much easier to get into trouble when you’re in a place that you’re completely unfamiliar with. What if you end up driving in England? Accidents would be more likely while you’re getting used to their different driving styles. Getting a travel health insurance plan is extremely important, even if you will only be gone for a short amount of time. Here are some tips.

MEDICAL EVACUATION.

This is one of the most important features for your international health insurance plan to have. If you just stuck with your regular health insurance plan, then you might get at most $1k for medical transportation, which is great at home, considering that an ambulance usually costs around five hundred dollars. However, if you travel outside of the country, one thousand dollars won’t life light you home, so you’ll need a much higher cap for a travel plan.

There are so many cases where Americans will go to a country and get injured or sick, only to arrive at an out of the way local hospital where their needs might not be met. These customers will then have to be transported via helicopter to a hospital more up on Western medicine, and those costs can come up to as much as $50,000–just for the flight!

You might think insurance isn’t necessary when you go on a cruise, but it’s the most important time to get it, especially medical evac coverage. If you’re on a ship, it costs more to get a flight, and the distance will most likely be longer since in most cases you will be being transported back to the states.

Expect the unexpected.

I think it’s wonderful that the two of you are planning your trip so thoroughly, but there may be one aspect of planning that you’re missing: the possibility of cancellation or delay of your vacation. You might have your insurance, have your bags packed, your tickets paid, your hotel room reserved and everything, only to come down extremely sick the night before you leave. No one wants to go on vacation with a fever, so this can throw all the plans down the drain, especially it comes during that short one week vacation that you only get one time a year.

That’s why you need trip cancellation or interruption insurance. If you get this, then if something comes up so that you don’t get to go on your vacation, the insurance company will pay for any of those tickets, reservations, and so on that you can’t get your money back for. Same goes for if you have to end up coming home early.

Terrorism.

It’s no fun to think about all of this stuff when you’re planning an exciting trip, but terrorism is becoming more and more prevalent, even in what are considered the safest areas. There have been many acts of terrorism even in Switzerland, where the crime rates are incredibly low. So anywhere you go, there is the possibility, just as there is if you stay at home.

Normally you can get your expenses reimbursed if the U.S. State Department hands out a warning about your destination country due to terrorist activity. You can also usually get your money back if an act of terrorism has been perpetrated in your country or city (depending on the insurance company) of destination within thirty days of your trip.

Have fun!

The most important thing about your trip is to have a good time. Having international health insurance will make this easier, making you more secure while you’re away from home and able to know that your health is in good hands. Getting with a company that has a twenty four hour customer service line is the best way to keep yourself happy and comfortable with your plan while you are enjoying your trip.

Cheers,

Fashun Guadarrama.

Source: http://www.bestinsurance4health.com/international-health-insurance.html

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