A few months ago, I wrote about the 4 biggest risks you should avoid when traveling. In that article, I briefly talked about the need to buy travel insurance. As I said then, you really don’t want to end up being stranded somewhere without your phone, money and other stuff.
But, while browsing the https://www.uhcsafetrip.com/ website, I realized that I did not mention any more serious risks in my original article. Falling ill in a foreign country and not being able to pay good quality medical treatment is something that a lot of travelers do.
Now, I know that some of you are saying that I am not worried, that will never happen to me. I am a healthy person, so I will be fine. Hopefully, it will happen, but the truth is that you never know. Medical conditions can come very quickly. Or, you may have an accident and end up with an injury that needs medical attention.
You may also be thinking that you can easily cover the cost of most medical emergencies. After all, if you are an American, and were home at the time, you have to cover the bill yourself. This way of looking at things makes sense.
But, it is important to note that in some countries, the cost of medical procedures and medicines is much higher than in the United States. Add in miscellaneous costs such as paying for a translator, changing your flights or paying your spouse to stay a couple of extra weeks and you may end up with a big bill soon.
Things go awry if it turns out that you should be sent back to the USA on a medical flight. Costs vary, but if you are stranded in Europe the bill can easily go above $ 25,000.
Also, in some cases, you may also have to pay for internal transportation. In most countries, ambulances are not free to use. If you break your leg on a remote hiking trail you may have to cover the cost of taking a helicopter and fly hundreds of miles to a treatment facility.
Just a medical emergency can end you with a loan that you will still repay decades later. So, you have to ask yourself is it really worth taking the risk? For the price of a good meal, all of the above can be completely covered by the right medical travel insurance policy.
However, you need to take your time when purchasing one. Not all policies cover all of the above or provide an adequate level of coverage.
If you are an American citizen planning a trip abroad and want to make sure they buy a decent travel insurance plan that includes medical coverage, I suggest you click here. When you do this, you will be taken to a Consumer Report, which states everything you need to know to buy the right policy for you.