Travelers often spend time planning every detail of a trip, but may not give much thought to what happens if something goes wrong. That’s where travel insurance comes in: it helps cover unexpected costs while you’re traveling outside of the United States.
Medical Costs Abroad Can Add Up Quickly
A lot can happen overseas, including unexpected medical situations. While it is true that a major medical insurance policy may cover the cost of these events, what many people don’t realize is that you will often have to pay for these services upfront. This means paying out of pocket first and then waiting to be reimbursed after you return home.
How Travel Insurance Helps Cover Medical Expenses
One way to avoid paying large out-of-pocket medical costs while traveling abroad is to purchase a travel insurance policy that gives you peace of mind. A policy can:
- Help you avoid paying large medical bills out of pocket
- Allow bills to be paid directly when you use providers approved by the insurance company
- Leave you responsible for only a small deductible in many cases
These policies are relatively minor in cost. The price is based on the age of the person and the duration of the trip, typically costing about six to seven dollars per person per day.
What Travel Insurance Also Covers
In addition to medical coverage, these policies can also help cover several common travel-related issues:
- Quarantine and Illness: If you get sick and are required to be quarantined, these policies can help cover those costs.
- Medical Evacuation: This is a major, unexpected expense where an injured person needs to be transported by air from overseas back to the United States. Often called an “air ambulance,” a medical evacuation can cost upwards of $50,000 or more. Most policies generally cover costs up to $50,000.
- Lost Luggage and Trip Delays: If your luggage is lost or you experience delays in your trip, these policies can help cover the cost of those inconveniences.
Get Travel Insurance Through MBhealth
Planning a trip overseas? MBhealth can help you get the travel insurance coverage you need in the event of an emergency while you travel. Please contact us by phone at (314) 544-5400 or reach out via our website.
