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Insurance for Travel: Tips to Help You Find Coverage

Planning a vacation to another country this year? Great, do you think you can fit me inside your suitcase and smuggle me along with you? No? Going away on a vacation abroad is a fantastic way to escape the real world for a little while and to learn about other cultures and parts of the world.

Unfortunately, most health insurance carriers won’t cover you while you’re outside of United States soil, so anything that might happen to you while you’re traveling will not only be out of your own pocket, but you might find it harder to get seen for any kind of treatment. Things like travel insurance are essential, and there are other great tips you might find handy for your travels abroad. Consider this post your to-do list when getting ready for a vacation-print it out and hang it next to your suitcase as you pack. Bon voyage!

Travel in the Pacific

I wanted to put travel insurance at the tip top of the tips list, because it is that important. If you’ve ever had to go through everyday life without regular health insurance, you know how panicky and nervous that can make you. What is you break an ankle while playing pick up soccer in the park? What if you happen to get a bloody nose that won’t stop? Knowing you’re walking around unprotected through life can be pretty nerve wracking. Take that feeling and imagine dealing with it while trying to enjoy the vacation in Paris you’ve been planning for years. Doesn’t sound like much fun, does it. If you get travel insurance, worrying about getting food poisoning from a bad batch of escargot will be the last thing on your mind.

There are quite a few options for travel insurance, and three of the main packages are: medical travel, package travel and medical evacuation. It is important to understand the differences between these plans so you can make an informed decision to best suit your travel needs. Medical travel plans are only for medical needs that might come up on your trip, and you choose them based on your age and what time of limits you want to set on the policy. Look over each medical travel plan carefully, some include things like evacuation but others do not.

Package travel is pretty much the equivalent of a vacation’s all-inclusive resort. You will get a 24-hour emergency phone number to call that will provide you with locations of reputable hospitals, as well as assistance with money transfers, lost passports, luggage, translators, possible legal issues and more.

Medical evacuation plans are just what they sound like: transportation to the nearest medical facility of your choosing. You may be able to find policies that cover transportation back to the United States.

Having all your health bases covered with travel insurance wise is probably one of the smartest things you can do when planning a vacation abroad. If anything should happen to you while you’re flitting about the world, you can just sit back and allow yourself to be taken care of without worrying that you’ll be paying hundreds of thousands of dollars in foreign hospital bills.