Travel Health Insurance

Have you ever wondered what you would do if you got hurt or fell ill while out of the country? If you haven’t, you should. Most traditional health insurance plans won’t cover medical bills from outside of the U.S., so it is important that you fill this gap whenever you are traveling internationally. The best way to do this is to get a good travel health insurance plan.

Travel health insurance is insurance that you buy specifically for when you will be traveling outside of the U.S. Luckily there are plans available for almost any situation, no matter whether you are leaving for 5 days or for 2 years. Additionally, there are also continuous plans for business professionals who travel frequently; so that they do not have to secure a new policy each and every time they go on a two day trip to meet with clients.

Your “premium” for this type of insurance can vary depending on where you plan to travel and how long you plan to stay. The more dangerous an area is, the more likely it will be that you will pay a larger amount for your coverage. And a few danger zones (such as those that are currently at war) are even restricted from most travel health insurance plans. For example, if you are traveling to Canada, you could likely get travelers health insurance for a pretty reasonable price. On the other hand, if you are traveling to someplace in Africa, Asia, or the Middle East, then your traveler’s health insurance will cost more.
The best thing about travel health insurance is that, at least for shorter trips, you will only have to make one low payment instead of worrying about a monthly premium. What you are quoted is what you pay, nothing more and nothing less. Of course, this may be different for those business travelers who choose to purchase ongoing travelers health insurance.

If you are in that category, think about what you are missing out on by not having travel health insurance. If you were to add up the number of days that you spend on international land each year, you will likely learn that it is at least a good 100 days out of the year. Just imagine what can happen in 100 days. You could get the flu and need IV fluids, you could sprain your ankle and need a cast, or any of the other unexpected, but common, occurrences that happen to millions of people each year. Think of traveler’s health insurance as your security blanket for these types of situations.

Travel medical insurance is just as important for international travelers as traditional health insurance is for everyone else. Missing out on this protection means being vulnerable in a foreign land and setting yourself up for possible mounting medical bills and debt in another country. It is quick and easy to compare travel insurance prices and find the best one for you.