April 18, 2017

Traveling Abroad? What to Know About Your American Medical Insurance Plan

international medical insuranceTraveling abroad, whether for work or for pleasure, requires a lot of prior planning. This includes your health insurance– after all, you want to be covered in case the worst happens. However, many Americans believe they will be completely covered when traveling abroad and this generally isn’t true. So to prevent any confusion here is a simple breakdown of what is not included in your general health care plan and why it is important to invest in international medical insurance.

While the coverage differs per person, there are typically only three rare cases where your U.S. health care plan will cover you. This includes:

  • A medical emergency happens in the United States, but a foreign hospital is the closest available to treat your condition.
  • You live in the U.S. but the closest hospital is either in Canada or Mexico, regardless of if there is a medical emergency or not.
  • You are traveling from Alaska through Canada via the most direct route, but a medical emergency occurs.
  • What typically happens if my insurance covers some international medical coverage?
    Chances are, even if this is the case, you will have to pay quite the pretty penny to be covered abroad. Even if you choose an add-on policy to your existing coverage, some international doctors and hospitals may deny your insurance. Plus, you may only be covered for simple expenses such as a broken bone or a respiratory infection.It is important to know that just because you have insurance doesn’t mean that it will work wherever you are going.

    The benefits of international travel insurance
    When choosing a plan directly with an international medical insurance company, you will:

    • Not have to worry about if your foreign doctor accepts your insurance or not.
    • You are covered for more than just basic expenses, and you won’t find a massive bill to pay when you come home.
    • You will be covered for emergency medical evacuation, and expatriate insurance, depending on the coverage and plan you choose.

    With these benefits in mind, in order to be completely protected when abroad. But, this isn’t the case as a full 22% of travelers who travel plans were impacted actually had insurance. So invest in international medical insurance today, as it is better to be safe, rather than sorry!

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