Most of us like to insure things like trip cancellation, lost luggage and emergency expenses but not all think to purchase extra medical insurance. Do you know for sure what your medical insurance will cover when traveling to foreign countries? Possibly not as much as you think.
In the event of an emergency, your health insurance might reimburse you for medically necessary services in the event of an emergency only. Even then, they will likely reimburse at “out of network” benefits and after your annual deductible has been met. Most foreign medical service providers won’t bill your insurance, so you must be prepared to pay for your care and seek reimbursement from your carrier. Since there is often translation of documents from a foreign language involved your carrier may take a month or more to reimburse you. Prescriptions obtained in a foreign country are usually not covered and your health insurance also will not cover transport back to the U.S. under medical circumstances.
If you are on Medicare, there is no coverage for services obtained outside of the U.S.
Without medical travel insurance, you could be stuck with thousands of dollars of expenses for urgent or emergency medical claims.
Here at Leonard Adams Insurance, we partner with IMG Global to offer travel medical insurance services to our valued clients, here are some of the different types of travel insurance we recommend as needed:
Patriot Travel Medical Insurance®
Individual & family – Short-term coverage available from five days up to two years. Patriot Travel Medical Insurance is designed to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $2,000,000.
Outreach Travel Medical Insurance SM
Individual & family – Short-term coverage available from five days up to two years. The Outreach product addresses the medical insurance needs of U.S. citizens and non-U.S. citizens who need temporary medical insurance for church or mission related travel anywhere outside of their home country. Coverages include Emergency Medical Evacuation, Repatriation, and your choice of deductible and policy limits.
Global Medical Insurance®
Individual & family – Flexible long-term annually renewable plan. Global Medical Insurance (GMI) is a flexible, long-term, annually renewable, U.S.-style major medical insurance program designed for U.S. citizens living abroad, and non-U.S. citizens throughout the world. GMI offers the flexibility to select from an assortment of four unique benefit plan options – Silver, Gold, Gold Plus, and Platinum – each with different levels of coverage. In addition, there are different areas of coverage available, optional riders, flexible underwriting methods, as well as multiple deductibles and modes of payment.
Patriot Green Travel Medical Insurance SM
Individual & family – Environmentally conscious short-term coverage available from five days up to two years. Patriot Green Travel Medical Insurance is designed for the environmentally conscious traveler and provides him up to $2,000,000 of medical coverage and services. This plan offers the same core benefits as the Patriot Travel plan, but it also offers eco-friendly benefits including an Eco Sports Rider covering such activities as jungle zip lining, wildlife safaris, and cave tubing. The plan provides for the purchase of carbon offsets, paying an additional AD&D benefit to an environmentally conscious organization, and it is paperless.
Click on here to learn more about Travel Medical Insurance and to obtain quotes Travel Insurance Quotes.