Health Insurance – Don’t Leave Home Without It

Be sure you have insurance coverage for any medical emergencies that may occur while you are traveling.

Travelers with the following special circumstances need to be especially certain about the extent of their coverage.

  • Those traveling with children.
  • Those with chronic medical conditions.
  • Those who are elderly.
  • Those engaging in extended travel.

Tips on Insurance Coverage During Travel

    Check your health insurance policy to determine your out of town coverage. Find out if your company:

  • Has telephone hotlines, to locate English speaking doctors and contact relatives.
  • Provides emergency evacuation back to the United States.
  • Will replace lost prescription medications.
  • Will fly a family member to be with the insured person.
  • Covers the cost of your trip if it’s cancelled for medical reasons.
  • Covers chronic health conditions.
  • Excludes third trimester pregnancy travel.
  • Excludes sports related injuries, such as a skiing or diving accident.
  • Requires you to pay doctor and hospital fees and then reimburses you later.
  • Covers medical expenses incurred while traveling outside the U.S.A., Canada, and Mexico. (Medicare does not).

Supplemental Insurance

    In addition to your regular health insurance, other sources are available:

  • Senior citizens with medicate can get supplemental insurance.
  • Some credit cards offer traveler’s insurance as part of their membership.
  • Some traveler’s checks offer traveler’s medical insurance.

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Written by American Institute for Preventive Medicine

Explore Wellness in 2021