A couple weeks ago Erin provided tips for staying healthy while traveling (Check it out here), but what happens if you don’t heed her advice and find yourself scrambling for a doctor, or worse, with a serious medical emergency? The most important thing you can do is purchase a travel protection policy from a third party provider, like TII of course! One common mistake – err, misconception – Americans have is that our medical insurance, Medicare or credit cards will cover us for medical emergencies outside the country. Unfortunately, this is not often the case and you could find yourself scrambling to come up with a significant amount of cash to pay for treatment.
In addition to potentially not having coverage through our health plans and/or credit cards, many Americans don’t understand how foreign health systems operate. For example, in many European countries you will have to pay for your treatment upfront, and if the situation is serious enough, you could be asked to cover a bill well into the tens of thousands. However, there is a solution to this potential sticky wicket: third party travel insurance of course!
Here are just a few of the benefits available to you:
Emergency Accident & Sickness Medical Expense:
Worldwide Trip Protector offers up to $50,000 to cover treatment costs when accident or illness strikes during your trip (minus a $50 deductible). Excess coverage pays for covered expenses not already covered by your primary insurance plan.
There are other product options available that provide a range in coverage to fit your needs.
Emergency Evacuation & Repatriation of Remains:
Worldwide Trip Protector offers up to $500,000 to transport you to nearest treatment suitable by U.S. medical standards, transport you back to the U.S. with medical escort if needed, or transport your remains back to the U.S. in case of unexpected tragedy.
If you feel more comfortable with $1,000,000 in cover, our Trip Protector Gold product might be a better option for you.
Travel Assistance Services:
Medical and Legal assistance services are offered in addition to your coverage for sickness or injury. They include, but are not limited to: 1) Medical or Legal Referral 2) Bail Bond 3) Hospital Admission Guarantee (to secure hospital admission after other means have proven unsuccessful – includes advance payment if required) 4) Inoculation Information (payment reimbursement to the assistance company is
There may be other benefits available to family members and traveling companions who have to stay behind with you while you get care. Your Description of Coverage will provide all the details you need and as always I recommend purchasing your travel and insurance policy through a travel agency that can assist you in finding the right components for your trip!