Do I need Trip Insurance?

• Check with your insurance agent and see if your existing travel insurance coverage covers you outside the country.

• Even if you are covered, you may still be expected to pay the bill in cash and be reimbursed from your insurance. Make sure you receive a completely itemized bill, in English, if possible.

• Medicare and Medicaid do not provide payments for medical care given outside the United States.

• If you don’t have any coverage that will apply, you should strongly consider travel insurance that will cover you outside the country.

• Don’t forget to read the trip insurance policy carefully, noting any deductibles, exceptions or exemptions for pre-existing conditions, activities, diseases or areas of the world.

• You also want to see if the policy covers any medical evacuation costs, especially if you plan on traveling to an area of the world that may not be able to provide you the type of medical care you will need.

• You may be making your travel plans months in advance. Many things can happen in that time that would cause you to have to cancel your trip and possibly lose your deposits.

• It is very common that your travel get delayed, often ones beyond your control, which can cause you to miss all or part of your trip.

• Check your insurance policy to make sure you are covered for expenses caused by travel delays, and cancellation coverage.
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