Travelling is the favorite pastime of many people, and for good reasons. There are so many wonderful things associated with travelling: exotic locations, beautiful weather, awe-inspiring architecture, interesting art galleries and museums, delicious food, and exciting nightlife. However, for all of the good things that come with travel, there are some risks and some possible negative scenarios, namely accident or illness. Of course nobody wants to think about becoming ill or winding up with an injury when they are planning their trip – that tends to dampen the mood.
When you’re planning your trip it’s tempting to only envision all of the good possibilities that await. However, a little practicality is important. When you are planning your next trip, be sure that you take some time to research and invest in traveller’s healthcare coverage. It might not seem like a fun thing to think about, but should you require medical attention, you’ll be happy that you did.
Why Some Insurance Coverages are Not Popular
So how do you go about securing healthcare coverage for your trip? Will your standard healthcare insurance plan cover travel, or do you have to seek coverage elsewhere? The best place to go to have these questions answered is to your healthcare insurance provider, but there are some answers that you are likely to hear. The biggest thing that you will need to remember is that most standard health insurance packages do not cover travel.
Most people wouldn’t want to pay higher rates all the time just to provide coverage for the odd occasion when they do travel, so these packages wouldn’t be popular. That’s why most insurance providers don’t have them. You might be wondering if it’s possible to have travel coverage added to your standard plan permanently if you travel a lot. This is highly unlikely as well, for some very particular reasons.
One Size Does Not Fit All
What you must understand about travel healthcare coverage is that it’s not a one-size-fits all service. The reason you are generally expected to buy new coverage for every trip you go on (other than the obvious cost savings) is because different types of trips require different types of coverage. The location of your trip will likely affect your travel healthcare plan rate. If you are headed to a country where healthcare is expensive, odds are you will be paying a higher rate. Same goes for countries that are deemed to be healthcare risks.
Now, there will likely be some situations where you can choose the level of healthcare coverage for your trip. The temptation is always to go for the most basic coverage as it costs the least. However, you need to be completely realistic about what your healthcare coverage needs will be on your upcoming trip. If you are taking a relaxing trip to a vineyard in New England where you won’t be engaging in any major physical activity, then the most basic coverage will probably be fine.
More Risk, More Need for Insurance
However, if you are planning on going rock climbing, sky-diving, or swimming with sharks, you probably want to make sure that you have adequate coverage in case you need an ambulance, surgery, or any other major medical expense. Being injured or ill is stressful enough as it is, but having to cover the huge costs in a foreign country will only add extra stress to the situation. You will also want to take into account any proneness to illness or injury you might have.
Of course you will have to report any major medical conditions, but there are certain other things that you will want to consider: do your bones break easily due to prior breaking? Do your joints easily dislocate? Are you prone to digestive trouble? Are you just plain accident prone? As funny as that last one might sound, it’s a valid consideration! The goal is to save money, and not covering yourself properly will not accomplish that goal.
Planning for healthcare coverage for your trip might feel like a bit of a drag, but the stress you will feel from not having adequate coverage will be even worse. If you want to feel truly relaxed and happy on your trip, make sure you invest in some travel healthcare coverage. Protecting yourself is always worthwhile, and should an accident or injury occur, you will be happy you made the decision to invest in coverage.
This guest post was written by Dante Tommasino, an avid traveler, aware of risks during travel.