Does your health insurance cover you when traveling internationally?

Are you planning on traveling outside the country this summer? If so, it’s important to plan for any unexpected situations that might occur during your travels. One of the first things you should do is find out what your health insurance will cover while you are outside the country. Here’s what you need to know about your health insurance when traveling abroad.

Contact Your Insurer

Every health plan is different, so the best way to figure out your coverage limits is by speaking to your insurance agent. You should ask if your insurance will cover injuries, illness, or preexisting conditions while abroad, and how you should handle claims when you are outside of the country. In most cases, your health insurer will offer coverage for a medical emergency while you are abroad. You may have to pay for medical treatment out-of-pocket, and then submit for reimbursement after you return home. It is a good idea to contact your health insurance agent prior to traveling to ask questions of them. They can advise you on steps to take while traveling if you need health coverage.

Travel Insurance

Relying on the coverage your personal/family health insurance offers alone while traveling outside the country may have some gaps. Reviewing your health insurance in detail with your health insurance agent prior to taking off is prudent to understand the coverages you have in force and how to proceed if needed in another state or country. For instance, a comprehensive travel insurance policy may include things like emergency medical coverage, emergency medical evacuation coverage, and 24/7 emergency assistance. Speak to a qualified insurance provider to learn more about how travel insurance can offer you additional health coverage options while traveling.

If you have additional questions regarding your health/medical insurance coverage while traveling don’t hesitate to turn to the experts at Randy Jones Insurance Services in Pleasanton, California.  Our dedicated team is ready to assist you with all your insurance needs.  Contact us to get started today.