For most days of the year, you spent long hours and days at the office. Brainstorming, deadlines, follow ups, nothing beats the chaotic world of being a worker. The same situations go whether you are working in a hospital, utilities, or restaurants. Then comes the day, you’re most awaited one–the time when you can relax and bathe under the sun–VACATION.
Most of us go over the top when preparing for the most wanted well-deserved vacation. From the outfits, the bags, and accessories. We also check where do we go, where we would stay or check out what food it would be offered on our chosen destination.
But what happens when you travel, you’re abroad with your friends, or you’re alone, are you prepared? Some people who travel get sick, few days after they arrived. Crossing continent is not that easy (although you are just sitting on the plane for hours). If you get stricken by sickness upon your travel, do you have health insurance?
Check Your Health Insurance Company
Questions that need to be answered by your health insurance provider:
- While traveling abroad, I suddenly got sick, can I use my health insurance policy?
- Can I file for reimbursement on my health insurance provider if in case I got sick abroad?
- While abroad, does my health insurance cover pre-existing conditions?
If you have health insurance, it’s best to check if it covers when you travel abroad. Some insurance will cover necessary care if let’s say traveling in a ship, and this ship sails along the U.S. territorial waters.
Some private insurance companies have insurance health plans that cover abroad healthcare like deductibles, reimbursement policy or coinsurance plans.
How To Find Medical Help
If you are out of the country traveling, there is a chance you might get sick. You should be prepared for the necessary things and options that you can do in order to have peaceful travel:
In emergency cases, check the U.S. embassy whichever country you are in to get assistance. The U.S. embassy will give you a list of hospitals where you can seek professional medical help.
It’s best to contact insurance company in advance to give you proper recommendations or bits of advice. This is important especially if you have a history of being sick like if you have allergies, asthma etc.
It is also recommended to check the health hazards and health care systems before going to your destination. You can check this at the website of Centers for Disease Control and Prevention. Also since you are traveling, don’t forget your I.D. cards, forms (claim) from your insurance policy company and bring it to your travel. You might need it in one way or the other.
It’s the time of year when people tend to start thinking about migrating to other climes. With spring break on the horizon, you may be thinking about cruising to tropical beaches – or you may want to hit the slopes in other parts of the world while the powder is still fresh. Whatever your travel dreams may include, be sure to consider purchasing travel insurance before breaking out your passport.
Keep Yourself Covered
Even if you already have medical insurance, it may not cover your needs if you become injured or ill while outside of the country. If you are traveling within the country, most insurance plans will cover reasonable emergencies, but the definition of an emergency may vary. Before leaving for vacation, figure out what your insurance will and won’t cover and consider using travel insurance to fill in any gaps.
Minimize Potential Inconveniences
Travel insurance may help to cover the costs of inconveniences that occur during travel, like lost baggage or airfare home if an emergency arises. Travel insurance may also be useful if inclement weather or other circumstances cause the trip to be cancelled. Travel insurance can help to mitigate the costs of unexpected inconveniences and situations.
Enjoy Your Vacation to the Fullest
Purchasing travel insurance can provide some peace of mind that may make it easier for you to relax and enjoy your vacation. If you wish to participate in activities that carry a high risk while on vacation, like skiing or parasailing, travel insurance can provide you with the extra coverage you will need if anything goes wrong. If you plan on participating in these types of activities, speak to an insurance agent about adding a rider for hazardous sports.
Select the Right Coverage for Your Needs
If you will be traveling out of state or out of the country, call your health insurance company to find out what will be covered and how to use your insurance if anything goes wrong. Your health insurance agent will help you understand whether or not you will need to purchase travel insurance. If you do, an agent can help you determine the right coverage based on how long you expect your trip to be and what you expect to do while you are there.
Travel insurance can really come in handy when it’s needed. Look into travel insurance when booking your trip so that you have plenty of time to select the right policy and make sure it’s active when you need it. Call 407-527-4220 to speak to an insurance expert about purchasing travel insurance.
Traveling can be a great way to get the most out of life. Colorful cultures, exotic dishes, and awe-inspiring landscapes are all aspects of travel that can enrich life and allow people to experience the beauty of the world. However, travel can sometimes be filled with risk and uncertainty. In order to get the most positive and life-changing experiences out of a trip, it is important to maintain a certain level of security and peace of mind.
Worrying about everything that could go wrong or passing up certain experiences for fear of the worst can severely hamper the most rewarding aspects of travel. By purchasing travel insurance, anyone looking for adventure can easily and cheaply mitigate the risks of their travels. Travel insurance provides the travelers and their loved ones with that essential peace of mind that allows them to fully enjoy and support the experience.
Types of Travel Insurance
There are several types of travel insurance available to travelers of all needs, experience, and budgets. Plans offer from the most basic health coverage to very comprehensive coverage for every aspect of the trip. Consider each type of plan to determine the appropriate coverage for the nature of the trip. The following are the most typically purchased types of travel insurance.
This type of insurance coverage is typically purchased by those who are nervous about airplane travel. While it is difficult to put a price on piece of mind and most insurance companies do offer flight insurance, statistically, this type of insurance is very rarely worth the expense.
As a traveler, there is probably nothing more frustrating and debilitating than lost baggage. For many, lost bags can end the trip before it even begins. To a degree, luggage is insured by the airline company if bags are checked. Often times, there are strict limits imposed to the amount of insurance reimbursement available for lost or stolen items. Therefore, it is important to consider whether or not this type of insurance is worth the cost.
Possibly the worst thing that can happen to a traveler is to require medical attention while abroad. Not only can this be extremely scary, it can also affect the traveler for the rest of their trip or even longer. While some domestic health insurance plans may cover health care abroad, these plans can be severely limited in their scope of treatment options. For this reason, it may be advantageous to purchase supplementary coverage.
If you are thinking of traveling in the near future, talk to a qualified insurance agent like those at the Blue Store. He or she will provide you with comprehensive information regarding travel insurance policies and coverage.