Short Term Travel Health Insurance – What You Should Know

 

Short term travel insurance is a specialized health insurance policy that enables you to cover for any potential medical needs that might arise while you’re traveling in the United States. The policy begins when you leave home and typically has a very wide range of coverage options, including simple doctor visits for minor but potentially life-threatening problems; emergency care; and prescription drugs. Many short term travel health insurance policies are also available to cover medical costs that arise while you’re traveling outside the country for tourism purposes or for other reasons. Short term travel medical insurance policies are designed to fill in when basic health care coverage from your own private medical insurance company is unavailable or has been withdrawn because of poor health ratings or age. In some cases, short term travel medical insurance policies may offer more benefits than regular health plans because they emphasize emergency care.

For travelers, short term travel health insurance plans can be especially helpful in the event of an emergency or medical situation that leaves you far from home. You might find yourself abroad in a foreign hospital, unable to speak or understand the local language, or even unable to afford medical bills. If you have travel insurance, you would be able to get timely access to medical assistance and could apply for funds from your travel insurance provider to pay for your medical bills back home. Travel insurance policies cover medical expenses incurred abroad, regardless of where those medical expenses happen to be.

Because many people traveling to other countries will be traveling in a foreign hospital, it’s especially important that they understand the terms of their pre-existing conditions and what the medical care covered by their travel medical insurance policy will cost them. Coverage for pre-existing conditions varies widely between different short term travel medical insurance plans and providers. Most commonly, pre-existing conditions are extended to include dental care and routine doctor visits, although there may also be some coverage in this area for elective or cosmetic procedures. The medical costs for your pre-existing conditions may be taken care of entirely within the coverage provided by your travel medical insurance policy, or you might have to purchase additional coverage to cover those costs. Make sure to ask your provider about any pre-existing conditions you might have and what the coverage for those conditions might be.

When it comes to coverage for your own medical expenses, short term travel insurance policies typically don’t provide as much flexibility or choice as their longer term counterparts. Most often, you will need to purchase separate travel insurance policies to cover yourself in the event you are injured on an overseas trip. Coverage is usually limited to medical treatment that is directly related to your trip, or to emergencies that occur within your own country or within the areas covered by your insurance policy. In some cases, you might be able to purchase an additional secondary rider to add to your primary insurance policy, but it would be wise to check with your insurer to see if you can do so.

As noted above, medical tourism is quite popular among citizens traveling outside their home country. This trend has led to an increase in the number of travelers traveling to other countries for elective or even necessary treatments. Some of these treatments are not covered under typical health insurance plans, which is why many citizens are choosing to go to medical clinics in foreign countries. Unfortunately, these travel clinics may not have the same standards as those in their own home country when it comes to the level of care they can provide, so it’s important that you double check to make sure you will be treated safely and properly.

Many short-term travel health insurance plans include coverage for sporting events or travel-related activities. Because so many people participate in these kinds of programs, they can be difficult to find outside of the United States and Canada. In addition, these plans may not offer the same benefits and coverage as more extensive health plans, so it’s wise to compare your short term travel insurance plans before you make your travel plans. The cost of the coverage will vary greatly depending on the provider you choose, so it’s important to compare as many travel insurance options as possible.

If you travel to another country outside of the United States frequently, it may be wise to consider purchasing a medical health insurance policy in that country. In the United States, a lot of medical care is not offered through the government system. Many medical professionals refuse to treat patients coming from other countries due to the risk of contracting some disease or becoming infected with a communicable disease. For this reason, people who travel often are put at risk of receiving substandard care, which can put them at risk of serious illness or injury. For this reason, investing in a short term travel health insurance policy is a good idea if you regularly travel out of the United States or other foreign countries.

Travel health insurance may not be something that you necessarily need if you travel infrequently, but it’s wise to consider investing in it during your frequent travels if you do travel internationally. If you ever become ill overseas or contract an illness while traveling outside of the United States or other foreign countries, there’s a good chance that you may not have access to medical treatment. By investing in a short term medical travel insurance policy, you’ll be able to receive treatment in a timely manner whether you are sick or injured abroad.