Traveling abroad can be an exciting, adventurous experience. At times, it can be unsafe. You may encounter risks such as political unrest, changes in sanitation, untamed wildlife, and less than perfect travel conditions.
While these risks may add to the adventure, have you considered what might happen if you or one of your traveling companions becomes ill or is injured? Gaining access to quality healthcare and pharmaceuticals may not be what you’re used to. Plus, your health insurance policy may offer limited to no coverage outside the U.S. Many health insurance policies cover emergencies abroad but medical charges will be out of network, which means your out-of-pocket costs will be extreme. Furthermore, Medicare and Social Security will not cover you beyond U.S. borders.
Illness, injury, and medical treatment are the last things you want to worry about abroad. If you’re concerned, you might consider purchasing a short-term travel medical insurance policy to ease your mind. These types of travel insurance policies help pay for medical expenses you might incur while abroad. Some policies even offer access to customer service centers to help you navigate foreign medical systems. And if you do become ill or injured, you won’t return home owing huge amounts of money to foreign healthcare systems or your health insurance carrier for massive out-of-pocket costs.