International Travel Health Insurance Should Not Be An Option

If you are thinking about traveling abroad, whether on business or for pleasure and for just a few days or several weeks, you should not depart before you have bought suitable international travel health insurance coverage.Medical care can be extremely expensive overseas and in many areas you will find that you will be unable to get medical treatment, even in emergency circumstances, unless you are in a position to pay up front. If you think this is strange then take my word for it – it is fact.On a recent holiday I accompanied a friend to hospital in a well known Far Eastern holiday town following a luckily minor road traffic accident in which he suffered a nasty gash to his thigh requiring stitches and, in addition to the nurses and doctors in the emergency room, we also ran into one of the hospital cashiers who asked for details of my friend’s travel health insurance or a credit card/cash payment before any treatment could be administered.International travel health insurance is designed to provide medical cover for individuals traveling overseas and is a very flexible type of health insurance cover. It frequently allows for daily rates (rates based on the number of days you will be traveling) and can usually be bought without the need to answer health questions and regardless of age. Coverage is also usually available on a worldwide basis and can also be arranged to provide cover for travel to specific countries.One very important thing to think about when arranging international travel health insurance however is just where you are traveling to and what sort of medical care will be available on arrival. Against this background, you should ensure that any policy covers you for every event including things like hospitalization, ambulance fees and, critically, cover for repatriation should this prove to be necessary.Do not forget too that, if you are vacationing as a family, then any plan should cover the whole family and provide for such things as expenditure should it be necessary for you to stay in the hospital with a sick child or to travel home with a child by air ambulance.One of the last things that we ever imagine occurring when we travel overseas, especially on holiday, is having an accident or falling sick while we are away with anything more than an upset stomach. Nevertheless, accidents happen daily and serious and sudden illness can and does strike without any warning. Indeed, the chances of such an event are considerably increased when we find ourselves out of our normal environment, so why take the risk.When it comes to arranging international travel health insurance the principles are the same as those which apply to arranging any other type of insurance. Do not rush and shop around examining plans from several companies before making any decision. Stick with well know major insurers, which have an international reputation, and read through the small print of any plan document before signing on the dotted line.Finally, remember that sorting out medical problems when you are ill and thousands of miles away from home is something which needs to be quick and easy. So, do not cut corners when arranging your coverage! You might pay a little more than you might perhaps wish to but, if you need to use your policy, you will be very happy you spent those few extra dollars.