Why do I need international medical insurance ?
Peace of mind while away from home
Upon leaving your home country while traveling for any particular length of time, you may be exposing yourself and family to some interesting challenges while abroad. You certainly do not want to have any uncertainty with the quality of care and quality of medical insurance coverage while traveling abroad.
You want an international medical insurance travel plan that will:
Provide claim service assistance 24 hours a day and 7 days a week, regardless of your location in the world.
Accept collect calls for precertification, claims and medical evacuation from anywhere in the world.
Transfer wire payments to a foreign hospital for instant access to medical treatment.
Process claims in just about any language.
Emergency medical evacuation, a must!
The challenges associated with planning an emergency medical evacuation overseas can be rather tedious. You want an insurer and administrator that can handle these issues associated with emergency medical evacuation planning. Immediate access to on-site medical professionals that can coordinate all aspects of an evacuation is very important. The financial strength of the insurance company is also important since many emergency medical evacuations can easily exceed $100,000. Without medical evacuation coverage you and/or your family could be facing financial hardship or even possibly financial bankruptcy!
Other reasons why travel medical insurance just makes good sense, even if you think you have great health care coverage in your home country:
* Most US based health plans are not set up to handle claims and emergency phone calls from around the world, and coverage is often limited to 30 or 60 days outside the country. Be sure to check your policy exclusions, as MANY health policies do not cover international travel at all or at the very least are extremely limited in the scope of coverages!
*HMO and PPO plans may impose severe out-of-network penalties for treatment received in another country.
*Medicare generally does not cover any claims incurred outside the United States.
*National health plans of most countries will not pay claims incurred in the USA.
*US visa eligibility may be dependent on showing proof of adequate health insurance coverage while you are in the United States.
