Anytime you travel outside the United States, one should look at taking out a Travel policy. Most health insurance policies will have some level of coverage for travel but it is not enough. Most Indianapolis based health insurance policies will cover emergency room visits as in network. One issue that you will run into is reimbursement in a timely manner. Take all of the medical claims you incurred abroad and submit them to the insurance company. If they are emergency visit claims then they should be reimbursed with accordance to your plan design. This process can take some time. They have to translate the claims which create a delay. Then the claims will be processed.
Where this insurance policy lacks coverage is on medical evacuation. 9 times out of 10, you will not have coverage for this. If you need medical attention on the flight home, this can be very expensive. We are talking $10,000 and up. This is why you take out a travel policy.
The travel policy will cover the medical evacuation and most medical treatment abroad. These travel policies can also help in directing you to the best medical provider. The carriers have developed networks in other counties. This can be a key source of getting quality medical attention abroad.
The travel policy is relatively inexpensive. For a $50,000 benefit it can cost as low as $50.
When we go on vacation no one wants to think about medical claims, but if you have medical claims, the last thing you want to think about is the cost.
Travel Insurance Quotes