It may be redundant to say this but going on vacation can be a lot of fun. You’re away from work, no longer chained to your desk. You’re off to somewhere exotic with friends or family. What more could you want? Well, how about a little insurance. As boring and bland as it sounds, purchasing travel insurance is vital if you’re heading off on a vacation for an extended period of time. What if something happens to you? Here are four reasons why you need purchase medical travel insurance the next time you head out of the country.
1. Insurance coverage at home
Fewer and fewer people have medical insurance because of cost. However, if you’re lucky enough to have health care insurance back home, don’t be too complacent when going abroad. It is very likely that whatever insurance you have at home will not come on vacation with you. Plenty of people have gone off on trips thinking that they have medical insurance while on safari or jet skiing or hitting the Alpine slopes. Sadly, your domestic health care insurance policy is not carry on friendly. Purchasing medical travel insurance keeps you insured whenever you are outside the country.
2. Medical costs
Setting a budget is important when planning a vacation. Unless you’re independently wealthy or just won the lottery, a medical bill without insurance can quickly deplete your bank account. Not only does being sick of vacation ruin your time away but it can also impact you for years down the road when you are burdened with medical bills all because you drank the water when you weren’t supposed to. Getting medical travel insurance can prevent this from occurring because you will be a card carrying member of an insurance company that can watch out for you. It is better to pay a deductable than the entire bill.
3. Injury protection
Medical travel insurance can protect you not only from sickness but also from injury. Being injured on vacation is actually more common than getting sick, especially if you crash into something while you’re racing downhill on a set of skis. Having medical travel insurance not only will cover your trip to a doctor but it can also protect you during trips to the emergency room for a broken leg or arm. If you thought medication costs were expensive without insurance, try paying for an emergency room visit.
4. Joint coverage
It is especially important to get medical insurance on vacation if you are traveling with your family. You worry enough about your loved ones when you’re home. Imagine the anguish and frustration of one of them getting ill during a holiday and not getting the proper care or having it be too expensive because you didn’t get medical insurance before you left. Buy yourself some peace of mind with medical insurance that covers the entire clan.
Travel insurance is easy to get and can be customized to your needs. Don’t regret not making this decision for years to come.
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