The world outside of America is full of amazing, unique destinations that offer something for everyone. The intrepid traveler might love tobogganing down the Swiss Alps. The foodie might love the lively restaurant scene in Tokyo. The history buff might love exploring the ancient ruins in Petra, Jordan. Regardless of where you decide to adventure, if you're taking an international trip, make sure to protect yourself with a comprehensive travel insurance plan.
Why Is International Travel Insurance Important?
"U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States. - U.S. Department of State
While chances of falling sick or facing an unforeseen emergency situation are always present while you're traveling, you can't guarantee that the quality of medical or emergency services will be the same everywhere you go, especially since the quality of medical services and treatment in the United States is very high. This difference can be even more obvious if you require medical services from within a developing country.
Travel insurance is also important for senior citizens traveling outside of America. As their age progresses, senior citizens are more likely to incur accidental injuries or illness and fall victim to travel-related crime like mugging or theft. American citizens should recognize that Medicare or domestic health insurance will usually not cover you while traveling abroad. This is why the U.S. Department of State recommends obtaining international travel insurance.
Precautions When Traveling Abroad
- If you believe Medicare covers your cost of healthcare overseas while you're abroad, you should know that not all Medicare plans are created equal. Some Medicare supplemental plans may provide selective coverage outside the United States while others might not. Check with your insurance policy terms before taking an international trip.
- A domestic health insurance plan may only cover emergency care overseas. However, you might be responsible for paying the upfront fee if a local medical provider doesn't recognize your insurance plan.
- Adventure sports lovers or missionaries traveling to remote parts of the world may have higher chances of medical and accidental risk. Because of this, you should look for a policy that not only covers health emergencies, but also provides coverage for medical evacuation.
Before you travel or buy U.S. travel insurance, it's essential to find out what you can expect from your existing insurance plan. You don't want your vacation to be ruined because you need medical care but don't have the coverage for it. If you have remaining questions, feel free to reach out to customer support .
Purchasing international travel health insurance will help you enjoy your vacation by giving you the peace of mind that you'll be protected and covered for emergency situations.