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Travel insurance: Your answer to getting medical care when abroad

Most people think of travel insurance as a safety net if they need to cancel their trip. If an unexpected sickness, injury, or some other emergency occurs, travel insurance is there to cover the costs. The more you travel, the more likely it is that an illness could affect a trip before you leave or while you’re traveling.

It happened to me. I was bedridden with a stomach bug in between two trips. There was no way I could get on a plane. But I bought travel insurance, which is something I always do. I provided the travel insurance company with a note from my doctor, and they reimbursed me for the cost of the trip.

But what happens when you’re in a country where you don’t speak the language, and you get a stomach bug, sprain your ankle, or some other malady? How will you find a reputable doctor or hospital? Will your health insurance cover you? Will your travel insurance cover you? Will you be out-of-pocket?

It’s enough to make you want to stay home. Fear not! The solution is, in all cases, travel insurance. The travel insurance policy Friendly Planet recommends covers up to $25,000 in medical costs and another $25,000 in emergency medical evacuation.

When you’re outside the country and there is a medical emergency, simply call the underwriter, Travel Guard. They will give you the guidance you need and ensure your needs are covered. The Travel Guard service is online 24/7. And as you might expect, they even have a translator available to ensure accurate communication between you and the doctor or hospital.

Beyond medical attention, there are other things you want your travel insurance to cover. For example, prescription eyeglass replacement, prescription drug replacement, relaying information to family members, making travel arrangements for visitors to the bedside of the hospitalized, and a lot more.

A friend of a friend was at Disney World with his family. It was a hot summer day, and he was perspiring. His five-year-old son had just stepped off the merry-go-round. As he bent over to scoup him up in his arms, his glasses slid off his sweaty face, hit the ground, chipped, and cracked.

Worse, he’s extremely nearsighted. He spent the rest of his vacation with a broken lens that not only impaired his vision, but looked funny. If he had travel insurance, he would have quickly been seeing things clearly again.

While travel insurance protects you, be prepared to pay for treatment at the time of service. Make sure you get a receipt and a copy of the bill. Store them in a safe place. Better yet, take photographs of them with your smart phone or camera. If your smart phone supports e-mail, send the pictures to yourself.

Now, no matter what, you’ll be sure to have copies of the bills and receipts. You’ll need them to be reimbursed when you get back to the U.S. Even then, if you’re hospitalized and the cost is beyond your means to pay, there’s a fail-safe. Travel Guard will handle the billing for you.

The best part is, in addition to the peace of mind, the insurance cost is minimal. It runs between $99-$159 per person, depending upon your total trip cost. Tell us you want it, and we simply add it to your Friendly Planet invoice.

It’s important to note that you must sign up for travel insurance before you make your final payment to Friendly Planet. Even more important, note that pre-existing conditions are ONLY covered if you sign up for the insurance within seven days of making your reservation or deposit.

Even if you’re not traveling with Friendly Planet, you can still get travel insurance. Just hit Google and search for “travel insurance.” Plenty of companies, mostly tour operators, will appear. Here’s a consumer tip: If you buy the travel insurance from your tour operator, you’ll save money on the premium.

I can’t say this clearly or strongly enough: Travel insurance is something you should absolutely sign up for in hopes that you’ll never have to use it. And the odds are, you probably won’t have to use it. But it’s important to have this blanket of protection should something unexpected happen. From my own personal experience, I can tell you, it will pay for itself.

About Peggy

Peggy Goldman is a specialty tour operator and travel expert, who owns and operates Friendly Planet Travel, a full-service company that specializes in tour packages to exotic worldwide destinations at affordable prices.   More about Peggy

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