Plan for the Unexpected

Published by June 23, 2009

According to smartmoney.com, travelers’ checklists often include little more than a camera, passport and sunblock. But before boarding the plane, make sure you have health coverage in case an emergency occurs while you’re away.

U.S.-based health-insurance providers rarely extend substantial benefits while you’re outside the country. Contact your insurance provider to verify your coverage abroad. To fill in any gaps, consider purchasing travel insurance.

Travel insurance and international medical insurance provide coverage for travelers around the world.  Depending on the policy, the emergency medical & dental benefit can be primary or secondary coverage.  Primary coverage allows the traveler to file a claim without involving their health insurance company.  Secondary coverage can offset the additional costs after the traveler’s health insurance has been exhausted.  This can apply to co-pays, deductibles, and remaining medical costs.  In a scenario where the traveler has no health insurance back home, then secondary coverage can act as primary.  Always refer to the certificate of insurance for details.