Most of the time, international travel really is all it is cracked up to be. Sure, there are those long waits for planes, getting a bit lost as you make your way around a foreign capital, or having a few communication challenges with the locals. But, all in all, many people regard travel as one of the most enjoyable, eye-opening and delightful experiences a person can have.
Smart travelers know that their number one goal while abroad is to have peace of mind. Next, to your physical health, your peace of mind is one of the most valuable assets you have. Besides planning the trip as carefully as possible, the best way to gain peace of mind while traveling abroad is to buy travel insurance.
You may already be aware that your standard health insurance – the one you rely upon to protect you in case of medical emergency or illness while in your home country – is almost never an effective way to protect yourself while you are abroad. Sure, your standard insurance policy may have some coverage for international travel situations, but in most cases, you will find it woefully inadequate for covering your medical needs while traveling.
Therefore, you are going to want to invest in a medical travel insurance policy. These policies will cover you for a range of medical and health-related mishaps while you are abroad. But, which types of coverage should you look for?
For the savvy traveler who wants to invest in the right travel medical insurance policy, here are 5 types of coverage for health insurance when you travel:
1. Emergency medical evacuation and repatriation:
Often, falling ill or getting into an accident while abroad can mean that you getting fixed up in an in-country hospital for a few days, then you are off on your merry way. However, for truly serious medical emergencies, it can be very good know that your health insurance policy will cover the cost of your having to be evacuated and returned home for additional treatment.
2. Local ambulance expense:
Make sure that the policy you buy covers your transport to and from that country’s local medical facilities. Furthermore, it should include transport either to the closest hospital or to a hospital with facilities that can meet your medical needs.
3. Intensive care:
Some medical situations require more than just a visit to a regular hospital room: you need that country’s equivalent of intensive care where you get expert, 24/7 attention. Make sure that this item is included in the policy you choose.
4. Accidental death & dismemberment:
As unthinkable as it may be, serious bodily injury or death can happen anywhere, including while you are traveling abroad. Make accidental death and dismemberment insurance something that you request as part of your policy: bringing your body back home is not something you will want to ask your family to do (and pay for) if you die or experience a serious injury while abroad.
5. Return of minor to your home country:
Traveling with a minor can be a wonderful opportunity to teach him or her about the wonders of the world. But, you also have the important responsibility of making sure he or she is safe. That is why, if something should happen to you while you are traveling abroad, it is a good idea to have a provision in your policy for the return of that minor back home again.