What are some reasons obtaining travel medical insurance is so smart?
Good question. Shows you’re thinking ahead. Yet not all travel medical insurance polices cover you equally well. To help you find out what’s covered here are some “must ask” questions to ask before you sign the check. Providing tips for obtaining the travel medical insurance you need.
For instance, what if you get sick on the ship and have to avail yourself of the on board medical facilities? Will such things be covered?
Will the kids be coming? Some health insurance for overseas travel policies cover minors under 17 years old if the adults buy a policy. So it pays to ask.
What if when in port you hurt yourself on a on a rented moped? Sure it’s unlikely. But might just be another reason to have travel medical insurance don’t you think? As long as the supplemental travel health insurance policy covers such incidents.
What if your situation gets bad enough that you need to be life-flighted by chopper back to the mainland?
Well, this is precisely why you want to make sure the policy covers medical evacuations.
This ain’t going to be cheap. In some instances even a one way trip from the scene of an accident at home to a medical facility can easily cost over $10,000. So you can expect the bill to be med flighted from a ship at sea will be more. More than the limit on your credit card perhaps?
You also want to see to it that all promises the salesman makes about coverage are in writing. Not that they would purposely mislead you. But there is little worse than knowing what to ask only to receive the wrong answers.
For that reason don’t be afraid to put on the coffee and dissect the fine print of any health insurance for overseas travel policy you’re considering. Meticulously. Yes it won’t be nearly as much fun as pulling into say, Hamilton in Bermuda for the first time. But that doesn’t mean it’s any less important.
In most cases don’t use cost as your excuse for not obtaining travel medical insurance. Especially given the alternatives. Which tends to make the cost of such coverage a cheap in comparison.
Perhaps you are looking into obtaining travel medical insurance as you’ve booked a glorious Bermuda cruise? In that case you will find the tips and other ideas Bermuda Cruise Tips reveals helpful. So why not stop by?