Chips Health Insurance
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Health Insurance for International Travelers
Mason Duchatschek
If you are planning a trip overseas then you have probably wondered how your
US medical plan will cover you outside of the U.S.
If you have a managed care (HMO) plan, then you might not have any coverage
outside of the US. Any coverage you do have with an HMO is likely to be significantly
reduced when you travel, with greater out-of-pocket expense for treatment outside
of your normal coverage area.
Privately issued medical insurance usually does cover you during overseas travel,
but the cost of obtaining records, translating them into the English language,
converting the currency, and delivering payment overseas is all your responsibility,
not the insurers.
One easy option is to have a short term medical policy specifically designed
to cover international travelers to supplement your primary coverage. Fortunately
these are inexpensive and easy to obtain. Since these plans specialize in international
travel, there are fewer hassles typically associated with health plans. The
coverage can usually be issued in about two days with a confirmation sent by
fax or e-mail to your travel destination if necessary.
See the FAQs at www.medsave.com for more details.
About the Author
Tony Novak, MBA, MT is a writer and financial adviser in Narberth, PA focusing on tax and employee benefit issues. His businesses www.MedSave.com and Freedom Benefits Association provide online benefits enrollment for thousands of individuals and businesses nationwide.
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International Travel and Health Insurance
David M. Schmader
Embarking on Your Dream Vacation
Are your Plans Complete?
Your bags are packed, passport and papers in order and you couldn’t be in a
higher state of excitement preparing for travel to that wonderful, exotic location.
This is the vacation you have planned it seems forever. As you sit on the plane,
you and your partner discuss for the hundredth time the scuba diving you will
do, the awesome rock climbing and hikes into the rain forest. Everything is
perfect!
Life seldom gets better than this.
Despite all the excitement of travel, Americans do have some concerns.
According to a survey by the Chubb Group, more than 70% of Americans surveyed
said their greatest concern when traveling is suffering a medical emergency...more
than double the fear of being mugged (30.7%), three times the fear of being
injured in a terrorist attack (23.4%).
What happens if a medical emergency arises when traveling overseas?
Many people assume that while they are out of the U.S. or Canada they will be
covered by their standard medical plan. However, most traditional health insurance
plans are not designed for international travel.
According to the U.S. Department of Commerce, approximately 27 million travelers
board U.S. airlines for overseas destinations and almost 26 million foreign
travelers come to the U.S. each year. However, many are not prepared for a medical
emergency abroad.
Most traditional health insurance plans would not cover an unexpected illness
or injury during international travel. But travelers with international medical
insurance would have protection for scenarios ranging from a local ambulance
trip to an emergency evacuation for care at the nearest qualified medical facility.
Some even offer repatriation flights out of the country where the traveler is
located back to the US.
Available plans can cover individuals or groups for specific periods of time
abroad and can be in effect should they be stationed abroad for an extended
period of time. There are policies for corporations to insure their personnel,
plans to cover missionaries who are on an outreach program and for those participating
in extreme sports. International travel medical insurance should be considered
for anyone traveling or living abroad.
©David M. Schmader, Solon, Ohio January, 2005
www.brownschmader.com
About the Author
David Schmader is an independent broker agent located in the Cleveland Ohio suburb of Solon, Ohio. With over 25 years of corporate finance experience he specializes in serving the individual, professional and small business markets.
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