Do I Need Travel Medical Insurance?

You’ve booked your flight, you’ve arranged your hotel accommodation, you have your bags packed and you’ve found someone to look after the cat while you are away. Have you forgotten anything? If you are traveling abroad on vacation or a business trip remember your travel insurance. If you don’t regularly travel with insurance you may be asking yourself, do I really need to buy travel medical insurance? Can I get away without it?

The truth is, travel insurance is an essential purchase. If you travel without medical insurance that is valid for accidents and illness abroad you are taking a big risk. Why? The cost of medical treatment overseas can be very high, particularly if you are visiting the United States. In America a simple doctor’s visit can cost hundreds of dollars and if you are seriously injured you run the risk of a large bill. Many people end up in financial trouble because they had the misfortune to go to hospital while on vacation. Travel insurance protects you from these medical costs.

Travel insurance also helps you pay the cost of prescriptions if you need to take medication when you are overseas. You can also find policies that provide you with cover for emergency medical evacuation. This is when you need to be transferred to a suitable medical facility by air ambulance or similar, a procedure that can also be very costly. Insurance also covers you for lost checked luggage and trip curtailment or cancellation.

None of us know if we are going to be injured abroad, suffer an auto accident, fall ill with food poisoning or suffer something serious like a heart attack. The best thing we can do is enjoy our vacation without worry, and purchase medical insurance for our trip just in case anything goes wrong.

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