You have health coverage to protect you while at home; it only makes sense for you to carry traveler's health insurance when taking a trip abroad. On a day-to-day basis, unforeseen incidents may occur, namely accidents. Recurring health issues or medical conditions may also require treatment. In some instances, your existing insurance policy will not cover out-of-network expenses, especially incidents that may happen an ocean away from home.

Obtaining Traveler's Health Insurance

In the process of planning an international visit to any country, read your existing insurance policy. It will outline what is covered. For instance, you may be protected for a life-threatening illness, but probably not to the extent you might need. Thus, is it essential to ask your agent about a short-term policy. Most companies can include a rider for the dates you will be traveling. Each plan varies and has a set of limitations based on price and country of visitation. If your existing policy is limited in travel options, you may also select a supplement policy through other means. Many agencies or brokers specialize in travel insurance. Package tour operators will also be able to offer or recommend policies.

Most traveler's health insurance policies are fairly simple to arrange. You are not required to take any exams. However, you will need to be upfront about preexisting conditions. If an existing medical problem contributes to an illness or accident, the policy may be voided.

It will be helpful to become familiar with the level and type of medical resources available in the country you are visiting. This will factor into whether you want a policy that includes evacuation or offers better benefits for hospitalization.

There are many events to consider when shopping for traveler's health insurance. Will it cover the basics such as medical supplies (if you should lose yours, for instance)? Does it include evacuation (as well as that of your partner)? If you know that you will be scuba-diving, skiing, or mountain climbing, it is best to ask about coverage for extreme sports. In the direst circumstance, will your temporary policy cover expenditure for the return of your remains? Most important, always read the fine print and be clear on each definition and exclusion.

Another consideration is who will pay and when. Will the provider be billed directly or will you be responsible for payment up front? If you must apply for reimbursement, ask about timeframe and any limitations. Be aware, too, that seniors who are on Medicare are not covered outside of the United States. The two most desirable options in a policy are direct payment from the provider and an around-the-clock, toll-free emergency access number.

Traveler's Health Insurance Tips

Once you have paid for a policy, you will be issued an insurance card and claim forms. These should be kept in a safe place and always in carry-on luggage or in a wallet. It's also wise to invest in a medical ID bracelet as backup. This can give the first responders an immediate idea of health conditions, physical statistics, and blood type.

There are several international groups that help coordinate emergencies for travelers. These include the International SOS and Medex, which are subscription-based, and a free service, International Association for Medical Assistance to Travelers (IAMAT).