Why Medical Travel Insurance is a Good Idea
Posted on May 15, 2008 | Filed Under
Best Medical Insurance
When you head out on a vacation, particularly outside the country, it is highly recommended that you purchase medical travel insurance. You certainly aren't expecting to get hurt, but if something does happen, you want to be sure that you get the best care, without having to worry about the medical costs.
There are plenty of benefits to having medical travel insurance, and the fact is that it is usually so cheap that you shouldn't even have to wonder about it. Just get it and be protected. Here are a few of the benefits:
Get better medical care. If you are in a car accident while traveling, you will need medical attention. Not every country has the same system, so you might be sent to a free hospital or clinic if you haven't got enough money on you. These places are notorious for doing poor work and even killing their patients! This way, your medical travel insurance covers everything and you will be sent to a good hospital, no matter what country you are in.
Avoid "foreigner" fees. Depending on what country you are in, you may be charged extra simply because you are from elsewhere. This is unfair, but a common practice in many countries, such as Mexico, a popular vacation spot. If you are paying out of your own pocket, the cost could be too much to deal with, but with medical travel insurance, you have backup. If there is an issue, the insurance company will probably deal with it.
Choose your own trip length. You can purchase medical travel insurance to cover a specific time period, making sure that you are covered the whole time you are out of the country. If you will be traveling in and out of the country over the year, its usually best to buy coverage for the whole year, rather than individual trips. Youll find that it comes out cheaper and you will be protected on every trip, not just one.
Emergency medical evacuation. There are times when the local hospitals (particularly in third world countries) are simply not equipped to deal with your medical issues. If you come down with something that they cant treat or dont have the equipment to treat your injuries, rather than dying there, you will be covered for evacuation by your medical travel insurance. This doesn't necessarily mean that you will be sent back to your home country, you may be relocated to a hospital that is closer and equipped to handle your medical issues, first.
Return of body. No one ever wants to think of dying in a foreign country, while on vacation, but unfortunately, this does happen from time to time. In this case, your medical travel insurance should cover the shipping of your body or ashes, whichever you prefer, to your home country where your family members can bury you appropriately. Without this option, your family would have to come to the country and make arrangements to transport your body back, a process which can be very complicated and expensive at a time when they are mourning.
Medical travel insurance is something that every traveler needs to consider. You dont want to end up sick or injured on your vacation and without options. Medical travel insurance allows you to receive the best care and for the expenses to be covered, so you can simply focus on recovering and enjoying the rest of your vacation.
Independent broker specializing in travel insurance for Canadians travelling out of country and non-Canadians who visit Canada. Representing all the major insurance companies so you can choose the Canadian health insurance policy that satisfies your travel medical insurance needs.
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