Travel Insurance Is It Necessary (PDF) by trifo13

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									Title:
Travel Insurance: Is It Necessary?


Word Count:
556


Summary:
So you want to leave the homeland for a while, see the sights, take the pictures, or perhaps, do some
business. You’ve packed the swimming trunks, the extra layers, the hiking boots, the sun screen, but the
question remains: is your medical insurance traveling with you? What happens if you get to Brazil like you
always wanted to, and then, in a freak spilled mojito accident, you break your ankle? What if the escargot
from that charming Parisian restaurant reacts badly with yo...



Keywords:
travel insurance canada, visitors medical insurance, canadian medical insurance



Article Body:
So you want to leave the homeland for a while, see the sights, take the pictures, or perhaps, do some
business. You’ve packed the swimming trunks, the extra layers, the hiking boots, the sun screen, but the
question remains: is your medical insurance traveling with you? What happens if you get to Brazil like you
always wanted to, and then, in a freak spilled mojito accident, you break your ankle? What if the escargot
from that charming Parisian restaurant reacts badly with your American digestive system, and you are
suddenly in the throes of the worst food poisoning you’ve experienced in your life? It is no small matter;
according to the US Center for Disease Control and Prevention, one half of US travelers heading to another
country will experience some sort of health problem while abroad.


Ever since the Michael Moore film, “Sicko,” came out, we all know that many other countries (well,
specifically France, Canada, and Cuba) provide affordable, sometimes free, healthcare to their citizens, but
how does it work for us, Americans, abroad? Well, the truth is, unless you make special preparations, the
outlook is not good. According to www.worldwidemedical.com, “most US insurance companies, HMOs,
PPOs or Medicare [plans] do not provide adequate medical insurance.” There may be exceptions, and you
should look into the fine print of your plan, but every major US health insurance providers suggests getting
some form of traveler’s insurance. Unfortunately, there is no foreign country that provides free health care
for travelers.


Travel insurance plans provide three types of coverage: for medical care when abroad, the cost of
emergency medical evacuation, and reimbursement for sudden trip cancellations and lost luggage.


Should you require medical attention while abroad, most insurance companies provide support in the form
of emergency hotlines. They will advise you on the best hospitals in the area, as well as the ins and outs of
the local systems. It is strongly advised that, if possible, you consult your provider before seeking medical
attention in a foreign land. Also, insurance providers warn that most third world countries’ hospital systems
require payment upfront for services rendered. This fee would be reimbursed by the plan.


The most pressing concern is the case of an emergency medical evacuation from a foreign country back to
the US. Evacuations are necessary when a very serious medical condition arises, and the traveler/patient
must be transported back to the care of his/her primary care physician or a home-based expert. This can cost
upwards of $10,000 as it is a coordinated effort between several hospitals and at least one airline. Most
travel insurance plans provide the option for specific coverage for this contingency.


Another aspect to consider when traveling abroad, is the cost of sudden cancellations, or changes in travel
plans as a result of medical or other emergencies. In an era when airline companies are logging record
numbers of lost luggage, this aspect of travelers insurance provides reimbursement for the purchase of
clothes and other necessities. In this sense, you could come out a winner: imagine an ‘emergency’ shopping
trip at the fabulous designer stores of Milan.


So, whether you are planning a road trip to Canada, or a fourteen day hike in Machu Pichu, pack some warm
socks, swim trunks, and your new friend, Mr. Traveler’s Insurance.




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