You know not to leave home without travel insurance. But your basic coverage may be missing some important travel protection. While your travel insurance will get you through some of the more common mishaps and misfortunes, it often won’t help in the most severe, devastating, or expensive situations.
What’s Missing From Basic Travel Insurance?
Your basic travel insurance generally includes coverage for medical or dental emergencies. It typically covers procedures, tests, hospital stays, and prescriptions, as well as trip cancellation or interruption, lost luggage, and accidents. You’ll usually purchase travel insurance on a trip-by-trip basis or find long-term coverage for longer stays abroad. The credit card you use to book the trip or your employer-sponsored coverage may even provide basic travel insurance.
There are, however, some significant areas of additional protection that your basic travel insurance doesn’t cover, such as medical evacuation or repatriation, travel security, and crisis assistance. Luckily, membership programs like MedjetHorizon offer essential travel protection options. Ensuring that you’re covered for these areas is important, and it means making yourself aware of what your travel insurance plan covers and whether you need additional protection.
Medical Evacuation and Repatriation
Image via Flickr by bert knottenbeld
Imagine yourself in an unfamiliar destination, requiring hospitalization for an illness or injury. While your medical expenses may be covered, you’re in a strange place, away from friends, family, and the comforts of being in your hometown. Even insurance plans that cover evacuation include only air transport to a hospital that the provider deems suitable. Having additional protection for medical evacuation and repatriation means arrangements will be made for you to be transported to the hospital of your choice, anywhere, regardless of the medical necessity.
This is huge, especially for longer hospital stays, as you’ll be able to spend your time healing close to home and with the support and medical treatment you know and trust. Without this, the expense to travel home via medical transport would be ridiculously high and not feasible for the majority of people. In fact, the cost of an air ambulance will most likely be no less than $10,000, and that’s not taking into account international distances or additional variables that can increase costs.
Travel Security and Crisis Assistance
Though serious incidents are few and far between, knowing you’ll be protected should an emergency or crisis arise while you’re abroad offers peace of mind above and beyond what basic travel insurance provides.
Acts of terrorism, political threat, or wrongful detention are some of the security issues that additional travel protection providers, such as MedjetHorizon, can help with. Crisis response networks are also available to help with other major issues such as medical and legal aid as well as global evacuation and rescue.
The worst part of being involved in a crisis abroad is not having the network and support you’d normally have while at home and having to search for the information and help yourself. By tapping into security and crisis assistance, you’ll be able to cover yourself in many unforeseen situations.
Illness and injury, political unrest and crime: it’s during unpredictable circumstances like these that having additional travel protection can make all the difference. So no matter where you’re going, take a look at your options and make sure you’re covered when it counts the most!