subject: Making Travel Secure With An International Health Insurance [print this page] For the travel enthusiast, nothing compares with frequent trips abroad. Although traveling gives excitement and enjoyment to them, there is more to it than meets the eye. Protection from any untoward accident or eventuality should also be primary to the considerations of the traveler.
International insurance becomes necessary as there are unavoidable circumstances when, for instance, you lose your luggage, or there might be an emergency cancellation of flight, or you suddenly need to see a doctor for emergency medical treatment. When using a credit card to reserve airline tickets, there may not be need for other insurance policies, as the credit card has certain coverage allowances to lost or stolen luggage.
Getting international health insurance coverage is important for the traveler, even when making short trips, as there is nothing worse than getting into emergency medical treatments with exorbitant costs without the benefit and protection of an insurance policy. It is simply impractical, if not outright ludicrous, to have to shoulder direct expenses on medical emergencies.
The Importance Of International Health Insurance
This insurance can answer for any unforeseen medical expenses. The cost of doctor's consultations in accidents, getting prescription drugs, and other medical emergencies, are definitely covered by international health insurance. In the United States, travelers who are less than 75 years old are afforded with such insurance.
For additional premiums, extended coverage may be given spouses and children who are minors. There are insurance policies which extend coverage even beyond the actual trip of the insured. These become useful for travelers with flexible time schedules.
There are also additional coverage features which include medical evacuation because of emergencies, dismemberment and death coverage, recovery treatments, ambulance costs and nursing services, and these can be included with additional premiums in the policy. Compared to the United States, many countries offer lower premiums in their insurance coverage. This is because medical treatment in the United States is a lot costlier compared to other countries.
Because of the difficulty in getting proper and adequate medical treatment in third world countries, emergency evacuation accommodations are important and crucial to be included in the international insurance policy.
Adding a little on the insurance premium would afford you the facility of getting prescription drugs from doctors. The traveler is afforded the convenience of being able to have his required prescription drugs while doing his travels abroad. Again, this coverage takes into consideration the location of the traveler's itinerary. If you are traveling to the United States, this additional coverage becomes a must for you since medicines cost a lot in that country. For other countries enjoying government subsidy on medicines, this feature may be waived at the start since the cost of medicines would be considerably lower.
For those with prior medical conditions, there are better chances in applying for group insurance coverage instead of individual international insurance, as group applications are more lenient on giving insurance coverage to individuals.
Making Travel Secure With An International Health Insurance
By: Terro White
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