Does your health insurance travel with you when you leave the country? Probably not.
And that can obviously cause trouble if you have a medical problem while you’re out of the country. What if you had to be hospitalized? What if you needed to be evacuated for medical or even political reasons? That could make your exciting trip abroad a nightmare – financially and otherwise. That’s probably not in your budget.
The good news is that you can buy international travel insurance to take care of all of this stuff. The even better news is that travel insurance is really affordable.
* Medical expenses. A typical policy will take care of unexpected medical expenses that come up when you’re away. Though pre-existing conditions are typically excluded, the companies we work with will typically cover “acute onset” of a pre-existing condition. In fact, we typically sell policies with a $0 deductible so you’ll be reimbursed for medical care.
* Evacuation. If you have to be evacuated to another country for medical reasons, you’re covered. You’ll even be covered if you’re evacuated for political reasons (i.e. if the government is overthrown in a coup or something like that) 0r due to natural disaster.
* Medical reunion. If you’re hospitalized abroad, the plan will pay to have a family member come to stay at your side.
* Return of mortal remains. Yikes! It’s morbid to think about, but if you or someone in your group were to die abroad, it can be terribly expensive to get the body back home. These policies cover that.
There are other things included, such as trip interruption coverage, but these are the ones most often discussed.
What does it cost?
Most people are surprised at how little travel insurance costs. Though it depends on your age, most of our clients wind up paying $2-$3 per person per day for a plan with a $0 deductible and at least $100,000 in coverage.
If you’re traveling with a group of five or more, there are discounts available for group plans. Many churches and Christian schools purchase group travel insurance plans for their short-term mission trips. At these prices, it’s honestly silly not to do so.
To learn more, visit our sister site, Get Mission Trip Insurance, or just contact us.