Traditional medical insurance policies seem to be constantly in “flux” to put it kindly. It is your responsibility as a policy holder to know what is covered whether you travel or not. Never assume anything. If you travel abroad, call customer service and ask very specific questions such as: Does my policy cover treatment, surgery, anesthesia, doctor bills and medications in foreign medical facilities. How about pre-existing conditions. Does it cover medical evacuation by air back to the U.S. for emergency treatment. Yes, or no? Occasionally you can get a “rider” to cover you for the trip…up to the point of evacuation. Medicare does not cover travel medical costs. It could cost more than $10,000.00 to transport you back to your destination for treatment. Providers overseas often charge money upfront for services. Does your insurance cover high-risk activities like scuba-diving, sky-diving, zip-lining, and others?
Can the U.S. government help me if I become disabled, incapacitated or seriously ill overseas? A U.S. consular officer can only assist in locating medical services and informing family back home.
Finding a reputable medical provider can be daunting in countries where English is not the primary language, there is social and political problems, and healthcare is scarce or non-existent. www.ISTM.org lists medical providers in over 50 countries. US embassies and consulates do maintain lists as well. Bear in mind, decent medical treatment for your particular issue could be hundreds of miles away and you must find our own transportation, sometimes separating you from the group with whom you traveled. Are you traveling alone? With a family of 6? Medical crisis and now a potential financial disaster. Still don’t think you need evacuation insurance? What is your comfort of risk?
The travel insurance you purchased with your tickets insures you for trip cancellation and the incidental baggage and transportation problems, most likely NOT medical care. www.cdc.gov does have a list of U.S. Based Air Ambulance or Medical Evacuation companies. You can compare various companies at www.insuremytrip.com
Define your level of comfort with the risk of your travel itinerary. Having a back up plan just makes good sense! Pennies a day= peace of mind. Get that extra insurance!
