family at beachThere is always a chance that you could get hurt or sick while you are traveling. Wherever you are, there are many things you should consider. One of those is your insurance.

When traveling, most people assume that their health insurance still covers them. This isn’t always the case. You may have to rely on travel insurance to help you cover medical problems while traveling.

Health Insurance or Travel Insurance?

If you travel within the U.S., your health insurance should cover any medical events.

However, if you go abroad, your health insurance may or may not cover you. There’s always a chance that you could experience a medical emergency abroad. You may face a high bill if you have to seek medical care abroad. That's where travel insurance could help you.

Why Seek Travel Insurance?

When going abroad, it is often a good idea to consider investing in travel insurance for your trip. When getting this insurance, ask to add medical expense coverage to the policy.

With this coverage, you will have some degree of medical coverage in case you get sick abroad. These plans will usually cover most standard and emergency medical care. But, these policies also have limits. They may not cover people who travel specifically to receive care. If you go abroad to receive elective surgery, travel insurance likely won't cover you.

Also, travel insurance can help you recover costs if you get sick before you leave home. Most travel insurance policies cover emergency cancellation due to illness.

Preparing for Your Trip

Though travel insurance can provide medical coverage, take steps to avoid preventable illness or injuries on trips.

  • If traveling abroad, get all vaccinations required for the destination country. Vaccinations can protect you from various illness risks abroad.
  • Take any medication or preventative treatments with you before you go. These may include things like malaria prevention pills or water purifiers.
  • Keep safety materials like travel first aid kits, sunscreen, and bug spray with you.
  • Make sure you know safe food and beverage consumption practices in the area that you travel. Some countries have different rates of food- and water-borne illnesses. For example, some experts recommend not consuming the drinking water of certain countries. Travelers should drink bottled water and only eat prepared food.
  • Don’t engage in sightseeing excursions or activities that pose a risk to you.
  • Wear clothing that will protect you and help prevent injuries.

Always be careful when preparing for travel. Make sure you have appropriate travel or health insurance to help you keep healthy while on the road.

Get in touch with Salzberg Insurance Agency right now. We can help you get the right travel insurance policy for you. Give us a call at (877) 757-6081 or go online for a fast, free quote.

Posted 7:44 PM

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