What is Travel Insurance and why might you need it?

The answers to these questions will depend on many factors, including your current Health Insurance and where you are traveling to. If you are currently covered by Medicare, you need to know Medicare does not provide ANY coverage outside of the United States. If your Health Insurance is provided by any one of the major insurers, you likely have zero coverage outside of your carrier’s network, including outside of the country. While with some carriers It may be possible to submit the bills to your carrier for re-imbursement when you get home, you may be required to make cash payments up front before receiving any treatment.

If you get seriously ill or critically injured while traveling abroad, and you need to be taken via helicopter to the nearest hospital, the cost can be enormous. In some parts of the world, a medical evacuation can potentially cost six figures — and that doesn’t even include the cost of getting you home again.

Travel insurance with emergency medical transportation benefits can pay for you to be transported to the nearest appropriate facility if you suffer a covered illness or injury during your trip and our medical assistance team determines that the local medical facilities are unable to provide appropriate treatment. It can also pay for specialized transportation to bring you home, once your condition is stable. Some plans will even pay for a family member to come from home to stay with you while you are recovering. Other benefits include repatriation if you should expire while traveling. Twenty-four hour help lines that can direct you to the nearest English speaking, western medicine practicing facility, or even arrange an appointment or transportation for you is another benefit I recommend looking for when shopping for travel insurance.

If you or someone you love is traveling abroad, please strongly consider protecting yourself with some good quality Travel Insurance. Call us at (810) 984-1373.

Third Party Organization Disclaimer

“We do not offer every plan available in your area. Currently we represent three organizations which offer 25 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.”