Any time you set foot in a country where your personal medical insurance is not accepted. Some insurance plans do cover medical expenses for healthcare received in certain countries. Find out if your insurance covers the country you are traveling to. If not, you need visitors health insurance!
Do I really need Visitors Health Insurance?
Yes! Visitors insurance is the only way to prevent the inheritance of oppressive medical bills should an accident or medical emergency occur while you travel abroad. Granted, the vast majority of travelers return from their trips without incident, yet there is always the possibility of sustaining an injury or having an unknown health situation arise. A health insurance for visitors policy is not necessarily intended to be used, but it is there if it has to be.
Are there certain types of Visitors Insurance for different countries?
Yes and no. It depends on the policy. Generally, policies are written based on the country you are visiting, so you should make sure you understand how your policy works. This is especially important if you are traveling to a part of the world like Europe where visiting numerous countries on your trip is a possibility.
What If I am traveling to more than one country?
Talk to your insurance company. Let them know where you plan to visit and they can tell you how it might affect your policy.
Is Visitors Health Insurance the same as travel insurance?
Yes and no. Visitors health insurance is a specific type of travel insurance. Other travel insurance products include such things as international student insurance, long-term international insurance, and trip-cancellation insurance.
How long is Visitors Health Insurance good for?
As long as you need it! Policies are written based on the length of time you anticipate traveling abroad. Coverage can be purchased for a matter of a few days to months. However, if you plan on visiting for a longer period of time, you may want to look into a long term international insurance policy.
How far ahead do I need to purchase Visitors Health Insurance?
It is always a good idea to purchase insurance well in advance of your trip. However, some companies allow you to purchase insurance even after you have arrived at your destination.
How will the healthcare facility know I am covered?
It is a good idea to keep policy information with you on your person as you travel. However, in the event that you do not have the policy information with you when need medical care, you will still be covered.
How much does Visitors Health Insurance cost?
There are many factors involved including (but not limited to) the following: (1) Where you are going; (2) How long you are visiting; (3) The amount of coverage you want; (4) At what level you set the deductible; (5) Your selection of optional benefits. A quote can be easily received online by filling out some necessary information. Remember, this is just a basic quote; you will likely need to work more closely with your insurance company to arrive upon an official policy.