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Travel
Insurance Think before you travel and check your existing health
policy to see what it pays for. It may reimburse you
for up to 100% of the cost of emergency medical care
when you're out of the country, of course, excluding
any deductible or copayments.
For nonemergency care overseas you may be covered but
probably will have to call your insurance company or
HMO in the United States for all for treatments that
need to be authorized.
Check with your health plan about this before you leave
home because failure to get authorization from your HMO
or insurance company may mean you will not get
reimbursed if you later file a claim
If your health insurance policy doesn't cover your
medical cost abroad, or you do not have any coverage
whatsoever, then you should consider purchasing a
travel health specific insurance policy.
Even if your present health insurance will pay doctor
and hospital bills when you're out of the country, you
may want to purchase a travel insurance policy to get
other important benefits such as coverage for air
ambulance transport and on-site medical expense
payment.
With some specific diseases like diabetes, COPD,
epilepsy, etc when you're traveling it may not be
covered so make sure you first speak we your health
insurance agent before you travel and then see what is
covered.
When my father travels he does get travel insurance,
not for the benefit of the health insurance, but just
in case he does get ill and unable to take the trip at
the at the time he supposed to travel. This way he can
get his money back.
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