5 Health Insurance Tips To Remember While You Travel Abroad
The holiday season is approaching and many people are making plans for traveling. Did you know that when you travel overseas, it is vital to buy health insurance because you can never tell when you will be facing a costly medical bill abroad?
A retired woman recently reported that she has been paying $50,000 of hospital bills even though she had health insurance. Apparently, her insurer was questioning one of her answers on her application form.
You can prevent this from happening to you during one of your travels, by following these 5 helpful tips.
Be truthful. If you want your claims to be qualified, then answer your medical questionnaire truthfully. Put all your health conditions especially the chronic ones. If you are not certain, you can ask your doctor about it. Moreover, do not forget to inform your insurance company if your health has improved or worsened by any means.
It is really important to read and understand your health coverage. Keep in mind that travel policy is not considered as a whole medical insurance. In a lot of times, travel coverage functions as an emergency plan. You need to review your policy and know the restrictions, limitations, as well as eligibility requirements.
Know that if you are into dangerous adventure, insurance companies may not provide coverage. Many health policies come with clauses, wherein the accidents due to risky activities would not be covered by the insurer. For example, you like parasailing, sky diving, or scuba diving. It may also include accidents brought on by drinking alcohol. It is possible to upgrade your policy to include adventure travel, but it comes with an additional payment.
Take into account buying a health coverage when traveling across the United States. Even if you plan to travel to the U.S. border for only 24 hours, a trip to the emergency room can be really expensive. If you think a hospital room for a day may not cost you that much, it can save you a lot when you compute the total cost of your medical event.
Not all healthcare treatments and services across Canada are covered. There are some emergency medical costs in Canada that are not included in health insurance. Keep this in mind, as you may find yourself being carried in an air ambulance around Canada, in which the price for this service is about $30,000.
Traveling may be fun but you cannot tell when accidents follow you. So, before you make any travel plans, secure your health insurance and read everything thoroughly. At Dave Silver Insurance, we work hard in making sure that our clients are well-protected with policies that they can afford. To learn more about how we can help you, please contact our agency at (941) 907-2879 or Click Here to request a free quote.
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5 Health Insurance Tips To Remember While You Travel Abroad syndicated from http://www.davesilverinsurance.com/
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