Travel Health Insurance - Understand the Benefits

If you're planning an overseas trip, you need travel health insurance. Every year, nearly 1 million Americans require emergency medical treatment while overseas. Traditional health insurance plans limit the expenses and amounts that they will pay outside the country, and necessary care may be delayed while arrangements for payment are made.

Imagine being on vacation in Europe and breaking your leg, only to find that your regular health insurance doesn't cover anything but the most basic of treatment for your injury. A good travel health insurance plan can cover all your expenses and make the best of a bad situation.

Your first step should be to check with your regular health insurance company to see what coverage they offer for overseas travel. Very few offer anything but the most limited of emergency medical expenses.

You can find many companies that provide travel health insurance policies online, and in many cases can actually apply via an online application. You might also check with your travel agent, or with the online web site where you booked your vacation to see what options for travel health insurance they offer.

Travel health insurance plans offer far more than medical benefits. Most will also cover many expenses associated with your illness. If your condition necessitates your immediate return home, for instance, your health insurance plan may pay for whatever is medically necessary for you to make the trip safely, including equipment, first class travel, or a nurse.

If you do have to be returned home, your health insurance plan may pay for a family member or other person of your choice to travel from home to travel back home with you. They may pay for your minor children to be returned safely home if you become ill and can't travel with them, including hiring a caretaker to see to their safety, and, if a medical emergency or other catastrophe at home requires your immediate return, your health insurance plan may cover the cost of your return home.

The cost of travel health insurance depends on the length of time that you need coverage and the age of the person being insured. Generally, a healthy adult under 30 can get medical coverage overseas for as little as $1.25 a day for up to $50,000 in expenses. Increasing that benefit maximum to $1,000,000 will cost you only $54 a month. You can check online at travel web sites and health insurance web sites to find your best deal.

When you consider what a medical emergency overseas could cost you, $54 a month is a small price to pay to be sure that your health needs will be covered while you're on vacation.

To view our list of recommended Health Insurance Companies online, visit this page: Recommended Health Insurance Companies Online.

Carrie Reeder is the owner of eZerk, an informational website with articles and the latest news about various topics.

---

How to Reduce Home Insurance Premiums

Here are some useful tips on how to reduce Home... Read More

Used Car Insurance

Every state requires that drivers carry liability insurance. The liability... Read More

Taking The Mystery Out Of Long-Term Care Insurance

Here's the good news: with improvements in medical technology and... Read More

Why Should You Purchase Your Auto Insurance Online?

If you're interested in slashing your auto insurance bill in... Read More

Health Insurance Coverage

Health insurance is something that everyone needs today. The rising... Read More

Car Insurance Discounts

Trying to save money wherever you can is important to... Read More

Do You Pay Too Much For Your Car Insurance?

Do the premiums just seem to get higher and higher... Read More

All Auto Insurance is Not Created Equal!

Contrary to what you may have heard all auto insurance... Read More

Your Personal Injury Insurance Claim: Several Crucial Insights Into Medical Reimbursements

The best judge of Total Disability and/or Partial Disability is... Read More

Medical Bills - Evaluating Your Personal Injury Insurance Claim

The value of a personal injury claim has a direct... Read More

Insights Into Your Med-Pay Insurance Coverage

While Legal Romantics would like to characterize the trial of... Read More

Auto Insurance Rates

Auto insurance rates will vary depending on the insurance agency,... Read More

Health Savings Account (HSA): What Happens to it When I Retire?

The Health Savings Account (HSA) is a great tool that... Read More

Are You Running the Risk of an Uninsured Business? Beware & Get Business Insurance

Human life is precarious and so are the activities they... Read More

Why Do You Need Homeowners Insurance?

The biggest single investment most people make in their lifetime... Read More

Health Insurance 101 for Individuals and Families

The changing healthcare and health insurance landscape in the United... Read More

Discount Auto Insurance

Whether you are looking for car insurance in Canada, the... Read More

How Do I Lower My Auto Insurance Rates?

Since there are many factors that go into determining your... Read More

What You Need to Know About Auto Insurance

Let's be realistic, everyone needs to have auto insurance. Aside... Read More

How To Negotiate A Settlement With An Insurance Claims Adjuster

You and I. M. Strong, the adjuster from Granite Mountain... Read More

Life Insurance Whole Life or Term Life - Find Affordable Life Insurance

Life insurance, whether you need term or whole life, can... Read More

Millions of Americans have No Life Insurance

Only 61% of adult Americans have life insurance (down from... Read More

What Is Permanent Life Insurance?

Unlike term life insurance, permanent insurance policies such as universal... Read More

Underinsurance Can Spell Disaster For Homeowners

Insurance is meant to give homeowners peace of mind, but... Read More

Affordable Life Insurance!

So, you've decided to purchase life insurance. Well then, you... Read More

Filing Homeowners Insurance Claim Forms: What Steps to Take

Filing a homeowners insurance claim can be done with ease... Read More

What is Life Insurance?

Life Insurance is an insurance policy that provides an agreed... Read More

Auto Insurance Primer

What is auto insurance? Auto insurance (or car insurance, motor... Read More

Why Bother With Farmers Auto Insurance?

Farmers auto insurance is a very large insurance company that... Read More

Mortgage Life Insurance

Owning a home is a dream for most of us,... Read More

Car Insurance Quotes Online ? Why You Should Use the Internet to Find a New Insurance Company

Before the internet, you picked a neighborhood car insurance agent,... Read More

Life Insurance Settlement

A new financial tool is now available for senior citizens.... Read More

Terrorism: Acts of Terrorism: When Will Insurance Respond?

Insurance policies provide financial protection in a broad range of... Read More