Health Insurance an Important Consideration When Traveling or Studying Overseas

When planning international travel or overseas study, there are so many things to think about. One important consideration travelers frequently overlook is whether their health insurance coverage will protect them during their trip. To make sure you're fully able to take advantage of all the opportunities available to you while traveling outside the country, it is imperative to verify that your medical needs, whether known or unforeseen, can be met adequately during your travels.

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It may surprise you to learn that many popular domestic health insurance plans do not protect policy holders while traveling outside the United States. To make matters worse, many foreign doctors and hospitals require payment in cash prior to providing treatment. In the event of an injury or illness that requires medical evacuation back to the U.S., the bill easily could exceed $50,000.

Given the work and excitement involved in planning an international trip, you don't want to risk allowing anything to ruin the experience for you. If, after you examine your domestic health insurance policy, you discover you will not be covered in your planned destination, you should arrange for other protection, such as a health insurance policy specifically geared toward U.S. citizens traveling abroad. Making the nominal investment in an international policy ensures you'll have access to prompt, quality medical treatment while traveling, and you won't have to make arrangements for cash payment when your health and recovery should be foremost in your mind.

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When evaluating international insurance plans, look for a plan that offers a complete package of benefits in your destination. 24-hour access to multi-lingual customer service representatives and assistance finding the health care providers you need are crucial.

Don't jeopardize what should be one of the best experiences of your life. If you are planning to travel or study internationally, be sure to check whether your current health insurance provides adequate overseas coverage. If not, the affordable protection of temporary international health insurance is the perfect answer.

Assurant Health is the brand name for products underwritten and issued by Time Insurance Company.