Why Your Travel Insurance Needs to Include Medical Coverage
Regardless of where you are traveling to, taking out travel insurance makes a lot of sense. Your luggage can just as easily go missing on an internal flight as it can on an international one.
You can lose your phone on any trip.
So, it makes sense to buy coverage.
People are starting to realize this, so more travelers are buying travel insurance. But, a lot of them are still not willing to pay for travel medical insurance. This is quite alarming when you read on you will see why.
Medical Emergencies Can Happen to Anyone
We all have a tendency to think that bad things will never happen to us. This is understandable. Though, working on that premise is never wise.
Even if you have never hurt yourself in an accident or fallen ill suddenly you should know people that have. It really could happen to any of us at any point.
Being Sick is Expensive
Should either of those things happen when you are close to home, you have a safety net.
You can go to your local hospital knowing that the bill will be picked up by your health insurance provider or government.
Friends and relatives will help you to get to appointments, make your meals and generally look after you.
Outside of your home country, your regular health insurance will not cover the cost of treatment.
So, if you break your leg while holidaying in Europe, you will have to pay for everything.
The cost of the ambulance, consultation, x-rays, materials used to fix your leg, drugs and outpatient appointments all go on the bill.
In many countries, you can easily spend $10,000 on having this simple injury treated, more in a lot of them.
The more serious your injury or illness is, the bigger the bill will be. If you are very unlucky and have to be repatriated with the help of a nurse or doctor the bill can be huge.
Currently, the cost is between $25,000 and $250,000. How much you have to pay depends on where you are in the world, the mode of transport used and the nature of your medical condition.
Peace of Mind
Nobody wants to end up having to find the money to pay what are potentially huge bills. Experiencing just one medical emergency, while you are abroad could leave you with lifelong debts. Taking out medical travel insurance will provide you with peace of mind.
The Ability to Do More During Your Trip
If you are the adventurous type, you will want to enjoy as many experiences and activities as possible during your trip.
To be able to do this, all you need to do is to make sure that you buy a travel insurance policy that covers you properly for the type of activity you are hoping to enjoy.
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This article contains a few tips to help you to buy the right policy if you are an adventurous traveler.
Without good quality medical health coverage a wise person would avoid taking part in risky activities while they are on holiday.
Do you purchase medical travel insurance when you travel?
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Nancy Polanco is a freelance journalist, lifestyle content creator, and editor of Whispered Inspirations. She is a proud Mom to Gabby and Michaela and partner and best friend to Darasak. Having worked as part of a health care team for almost a decade, Nancy is happy to be back to her passion. She is a contributor to the Huffington Post, TODAY’s Parents, and an Oprah Magazine Brand Ambassador.