Most people have some form of regular medical insurance, either through their employer or through their state-run medical system. Many people mistakenly believe that because they have medical coverage at home, that same coverage will protect them while they’re outside their country and pay for their medical expenses.
Unfortunately, relying on your regular medical insurance policy can be a dangerous thing to do because if you actually do get injured or fall ill, you will have to pay up-front for treatment and you MAY not be 100% covered by your regular health insurance policy. In this case, you’ll be out-of-pocket for your uncovered expenses such as emergency medical transportation, emergency medical evacuation and more.
Also, if you’re a U. S. senior citizen and are planning to travel abroad, you should know that your Medicare Plan probably will not cover your medical and other related expenses incurred while traveling abroad. Ill-health can strike at any time, so it’s important to know what your situation is before leaving home, especially if you’re a senior whose health may be fragile.
No matter where you’re from, you should carefully check your regular medical coverage to make sure you know what your coverage is BEFORE leaving on your trip. If you find that you are not adequately protected by your own health plan, then you need to invest in travel medical insurance that will fill the gaps in your health insurance coverage.
The easiest way to do this is to go online. If you’re not sure about what is involved in travel insurance, check out some of the articles our site. For example, check out Travel Insurance “101” for articles on different types of travel insurance or go to The “Fine Print” Articles for information about the various types of coverage included in travel insurance policies. When you are ready to check out various policies, then visit the superb online travel health insurance companies listed on our Online Travel Insurance Companies page. On the websites of these online travel insurance companies, you’ll be able to get quotes, compare those online quotes and policies, and then make an informed, money-saving decision that will buy you peace of mind while travelling.