Traveling abroad, while an exciting prospect, comes with an onslaught of uncertainties. Being in a foreign country while your health hangs in the balance is a frightening notion. Fortunately, with options like travel medical insurance, you can take proactive steps towards safeguarding your well-being. Many opt for travel health insurance because it’s the savvy thing to do, but there are a wealth of additional benefits to employing this option that are often overlooked. Should you need assistance while selecting a plan, reputable companies strive to streamline the process. Here are some reasons why you should consider travel medical insurance for your next overseas trip.
Though your standard health insurance plan may offer the bells and whistles, your coverage is likely only valid for domestic purposes. Depending on the traveler’s insurance, the plan is likely rendered inaccessible the moment they set foot in an international country. With that said, it’s prudent to secure a policy that covers you while you’re away. Most importantly, this grants you emergency assistance should a life-threatening situation happen on your voyage.
Fewer Language Barriers
Travel health insurance plans generally offer a multilingual agent. If you don’t speak the country’s native tongue, this perk can be a godsend. Imagine going to a hospital only to be given the runaround because you don’t speak a lick of their language. Fortunately, your travel medical insurance agent will be able to field and answer questions on your behalf. With that in mind, having travel health insurance could very well mean life or death under catastrophic circumstances.
It May Be Mandatory
Depending on where you’re traveling, you may be required to purchase travel health insurance. Without the necessary coverage, you won’t be granted entry into the country. Some countries that order visitors to have travel health insurance include Austria, Belgium, Sweden, Switzerland, and Poland, among many others.
If you forego travel medical insurance, you’re likely to pay an arm and a leg for medical bills you rack up overseas. However, with travel health insurance, the expenses aren’t nearly as exorbitant. Best of all, travel medical insurance policies offer nominal daily fees. Medical evaluations, on the other hand, are wildly expensive and can range anywhere from $20,000 to $170,000. For both you and your wallet’s sake, consider a travel medical insurance plan before embarking on your next adventure.