Disclosure: This is a sponsored post. All opinions are my own.
Planning an international trip can be stressful. Once you find the perfect destination, you need to determine where you’ll stay, how you’ll get there, and what you’ll do when you are there. Budget can also be a big concern, and then of course, you need to think about managing things at home when you are away. Things like coordinating passports, getting pet sitters, and holding your mail are all important. So often, people don’t think about medical coverage or insurance for their trip. It’s just “one more thing” to worry about. But international medical insurance policies can be useful when abroad.
What would happen to you if you, or someone in your traveling group got sick in a foreign country? Finding an appropriate doctor and/or hospital, as well as communicating in a foreign language, can definitely be a challenge. UnitedHealthcare Global offers travel medical insurance that can be helpful when traveling abroad.
Take the case study of Joanne, a traveler who got a blood clot in Rome. Joanne noticed her leg swelling up shortly after her international flight to Italy. After calling the hotel doctor who recommended that she get medical help right away, Joanne called MEDEX. They referred her to the local emergency room, where she was diagnosed with Deep Vein Thrombosis (DVT). A MEDEX doctor reviewed the case and agreed with the diagnosis. Then MEDEX assisted with getting Joanne home, changing her flights to business class so she’d be more comfortable.
Here are five reasons why international medical insurance can be important.
1. Finding quality care
If something happens when you are abroad, and you need medical care, travel medical insurance can connect you with an emergency response team that will find you a doctor with verified credentials.
2. Keeping costs in line
Did you know that foreign doctors and hospitals usually expect you to pay up front before receiving treatment? This can be very expensive, and may require you to max out credit cards. Then, you’ll need to submit these expenses for potential reimbursement. The travel medical insurance offered by UnitedHealthcare Global helps with those costs at the time of service. Some plans do have deductables, while others don’t.
3. Getting home in a medical emergency
Getting home in an emergency can be expensive since you may have to change your flights, or potentially have to deal with emergency medical evacuation. With this insurance, you’ll get help with evaluating your medical needs, choosing the best transportation options, getting appropriate care at home, and making arrangements for your family.
4. Handling non-medical problems
The emergency response team can also help with other, non-medical problems, like lost or stolen passports, emergency funds transfer, or legal referrals.
5. Safeguarding what you have already invested
A family vacation abroad can be expensive, so protect your investment. In addition to your International Medical Insurance Policy, you can also add coverage for lost bags, trip cancellation, or trip interruption. It can only cost a few dollars a day (about the same as a good meal in a restaurant).
Here’s what to do when you are traveling internationally.
Check out MEDEX international travel insurance plans from UnitedHealthcare Global – you can choose from a variety of coverage and deductible levels, sports riders, lost baggage coverage, and more. The MEDEX Emergency Response center is staffed by UnitedHealthcare Global professionals, and is open 24 hours a day. Here’s an overview of what the coverage includes:
Provides coverage for travelers overseas for a minimum of 7-days and maximum of 365-days in 3 plan levels.
– From $50K to $500K in Medical Expenses
– Medex Worldwide Travel Assistance Services
o Medical and Dental referrals
o Monitoring of treatment
o Facilitation of hospital payments
o Transfer of insurance information to providers
o Medication and vaccine transfers
o Dispatch of doctors and specialists
o Transfer of medical records
o Continuous updates to family, employer, and home physician
o Hotel arrangements for convalescence
o Replacement of corrective lenses and medical devices
o Replacement of lost or stolen travel documents
o Emergency travel arrangements
o Transfer of funds
o Legal referrals
o Translation services
o Message transmittals
o Transportation after stabilization
NOTE: TRAVEL INSURANCE PLANS ARE NOT AVAILABLE FOR PURCHASE FOR RESIDENTS OF WASHINGTON STATE OR NEW YORK.