Do you need health insurance when you travel?
Traveling outside your country is one of the very exciting experiences that most of us dream of, but what will you do if unpredictable illnesses and accidents happen during your trip?
Nobody wishes to get sick while on a trip. However, under unexpected circumstances, sickness or injury that can happen is the most devastating thing that can destroy your trip.
To solve these worries of yours, there comes the Travel Health insurance, which is created to assist you with these unexpected cases.
What is Travel Health Insurance?
Travel health insurance is a type of medical insurance that insures travelers against medical care costs when they are on vacation abroad.
With travel health insurance, travelers can go on vacation without worrying about how they will pay for their medical expenses if something happens while they are overseas.
It’s a good idea to have this type of coverage because people with pre-existing conditions may not be able to purchase an international health plan from their provider or their country.
Travelers can get this type of coverage through private insurers, online providers, and other insurance agents.
What are The Benefits of Having Travel Health Insurance?
Travel insurance provides the essential coverage for travel accidents and medical emergencies. It can be incorporated to a traveler’s itinerary or purchased separately. A lot of people are opting for the latter because it gives them more freedom of choice on where they want to go, how long they want to stay, and what they want to do while they are there.
Travel health insurance pays for any emergency medical expenses throughout your trip.
If you are on a travel and unexpected sickness, medical condition, or injury occurs, that will be covered by your insurance, and you can reimburse all the expenses included in the insurance policy category you fall under.
Here are the most common charges that Travel Health Insurance covers:
- The Ambulance service from the incident to the hospital
- The Doctor’s Fees
- The operating room charges and the Hospital fees
- Laboratory tests, prescribed examinations, x-rays, treatments, and anesthetics
- Prescription Drugs and medicines
- Dental care expenses, which are subject to the insurance limit policy.
However, here are the events that may not be covered by your travel health insurance policy:
- Drug intoxication at your fault
- Hazardous activities at your fault which resulted to any injury and medical treatment
Pre-existing medical conditions
Also, here are some more medical expenses that most likely not covered in the travel insurance policy:
- Repetitive medical examinations like immunizations and vaccinations (Though vaccinations now required due to the Global Covid-19 pandemic situation)
- Bypass surgeries
- Tissue or organ transplants
- Medical appliances and Corrective devices like eyeglasses, contact lenses, and dental devices.
A lot of people are wondering what the use of travel health insurance is. When you go for a trip, it is important to get travel health insurance because it protects you from unforeseen circumstances. It provides security in case things go wrong with your health while you are away from home.
Traveling can be risky, but there are many ways to reduce the risk of accidents and health problems. One way to avoid accidents or health problems is to make sure you have a confidential travel health insurance policy with coverage for emergency evacuation.
Travel health insurance is a type of medical insurance that protects you and your family during your trips abroad. Travelers are at high risk of getting sick or injured while on the road. This is why they need to protect their interests by getting covered with this type of insurance before embarking on their journey.
I highly recommend you purchase one if you have any type of pre-existing medical condition or if you are taking any type of prescription medication that may not be available in other parts of the world. I believe that travelers need to be insured in case they need to go to a hospital abroad for any reason. It is always better to be safe than sorry!