6 Reasons To Buy Travel Insurance

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February 12th, 2009

1. Travel insurance for medical emergencies

Your domestic health insurance may not cover overseas medical emergencies. For instance, US Medicare for senior citizens does not cover overseas medical care. In fact, it only covers Canadian or Mexican health care in very specific circumstances. Other health plans, like Preferred Provider Organizations (PPO) may provide some coverage outside of a local or national network, but at a much lower rates. You risk a significant financial liability if you are sick or injured overseas.

2. Travel insurance for Emergency Medical Evacuation

If you want to have an adventure in a remote location, and you do become sick or injured, you may need an emergency medical evacuation to a location you can get modern, quality care. Air ambulances can cost thousands of dollars,

3. A travel medical insurance plan

A travel medical insurance plan will make sure you have access to emergency medical services, and it can also cover emergency medical evacuations.

4. Overseas Dental Emergencies

A toothache or chipped tooth can ruin a vacation too. Travel dental insurance will insure you have access to qualified dentists in foreign countries.

5. Emergency Reunion in a Foreign Land

If you are hospitalized in a foreign country, a good travel health plan can provide travel expenses so a relative can come to help you. This coverage provides for an airplane ticket, ground transportation, lodging, and food.

6. Return of Minor Children to Their Home Country

What could be worse than having a medical emergency while traveling with your children in a foreign country? Your plan can insure that their return travel will be covered so they will not be unattended.

Many top travel health plans also insure access to a 24 hour, English speaking help line. If you face a critical situation overseas, you can be sure to have experienced guides. These help lines provide you with a “friend” in a foreign country. Beyond overseas health insurance, plans may cover lost luggage, trip interruption, and trip cancellation.

Your needs will vary by your travel plans, age, and general health. Some plans are designed for students, while some are designed for businessmen or senior citizens. You can quote travel insurance online to find plans that will benefit you.