Before You Go: Health Insurance for Traveling Abroad

​Traveling is a thrilling experience for everyone, yet it can be very unpredictable. Whatever the reason for travel is—be it a vacation, studying, volunteering, or work—several risks are needed to be acknowledged. Illnesses and accidents during a trip can happen. Besides, medical bills abroad are staggering. It's scary, but here is where health insurance abroad enters. 

Five things to consider when looking for international health insurance

1. Area of Cover
   Ensure that the coverage of health insurance includes the region that the traveler will visit. The coverage area classifies which medical institutions will be allowed to turn into medical care. 
2. Benefits
   Ask for a tailored cover if other benefits are included in the payment that does not fit the insured's requirements. 
3. Assistance providers
   Knowing who is the assistance provider is essential. They are the ones to contact in case of an emergency and may be able to arrange for payments in the medical centers.
4. Family cover
   The insured's family can also be included in the coverage. 
5. Price
   The price for health insurance can be high, so make sure to choose based on budget and the cover needed. 

3 Most frequently asked questions about International Health Insurance

1. Is it essential for every travel internationally?
   Having health insurance while traveling is, without fail, a good idea. It helps in paying for medical expenses not only from emergency room visits but also prescription drugs. While abroad, there may be additional risks like forced evacuations or high healthcare costs that international health insurance may cover. 
   
   
2. Is there a difference in coverage in different countries?
   The travel destination influences the choice of buying health insurance. There are countries more exposed to health risks, while there are some countries that travelers do not need health insurance at all. There are variations of requirements depending on the country and length of stay too. 
   
   
3. What is the coverage of international health insurance?
   The most common coverage is medical expenses from emergency trips and doctor visits. In case of extreme circumstances like death, displacement of remains is often included in the range. Basic international health insurance also provides family travel arrangements in case of emergency. 

It is best to research and ask for insurance agents to get the right international insurance. Remember that even though medical risks are almost less than 1%, it is still a real risk that can put travelers into a severe financial dilemma for their entire lives. 

At Choice Enrollment, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (719) 481-1616. Get your free quote today by CLICKING HERE.