How Health Insurance Works When Traveling to Foreign Countries

Traveling Insurance in San Diego, CA

When planning an international trip, securing health insurance is not likely to be at the top of your to-do list. Although this matter often slips through the cracks, overseas health insurance coverage is an important topic to research before booking your trip. Foreign country coverage can vary depending on the policy, and here are a few things the insurance experts at American Tri-Star Insurance think you should know.

It’s important to take preventive measures, especially if you are planning an extended trip or will be staying in a high-risk environment. The first step should always be to take necessary precautions before leaving. This might include vaccinations, packing certain medical supplies, or beginning a new medication regimen. In addition, you should be familiar with the process you will need to follow to receive treatment. In most situations, you will need to carry an insurance identification card.

The next step is to research San Diego health insurance policies and coverage in foreign countries. It is important to collect information on coverage in the specific location you’ll be traveling to. While some policies offer international coverage, others may not cover any foreign medical expenses. In the case of an emergency you may need to return to the United States to receive proper treatment. These evacuation expenses are typically not covered under traditional insurance plans. It is important to know the fine print before departure. 

After performing the necessary research, you may decide to invest in a travel medical insurance plan. This option will likely provide greater coverage than a standard health insurance policy, though it may not be the right choice for those who don’t travel abroad frequently. However, this type of policy is important to consider if you have preexisting medical conditions, are traveling for a long period of time, or will be staying in a high-risk location.

Regardless of the choices you make, it is crucial to research health insurance coverage and to be prepared before booking your next trip. If you have any questions about what type of health insurance policy might be right for you, both for traveling and on a daily basis while at home, contact American Tri-Star at 619-272-2100. We also offer affordable auto, commercial, homeowners, and motorbike insurance in San Diego. Give us a call today for a free quote.