Most of us like to travel. Doing so provides us with the perfect opportunity to relax with our families and create special memories.
However, occasionally, things go wrong. It is all too easy for a member of your party to fall ill or be injured. Should that happen having the right travel medical insurance policy to fall back on is something that you will be very glad of. Here are 3 reasons why buying good quality medical travel insurance makes sense.
No risk of your running up crippling debt
Having a member of your family fall sick or get injured, while abroad, can have a negative effect on the rest of your life. Regardless of where you are in the world, good-quality medical treatment is expensive.
For example, in America, if you have to stay in the hospital for 5 days that could easily cost you $10,000. Add in between $25,000 and $250,000 for medical repatriation and the cost of your drugs and you can see that the total bill could end up being astronomical.
Most families simply do not have the cash available to be able to cover those kinds of bills. So, inevitably they end up with crippling debt, something that could have easily been avoided.
Helps to keep your family safe
Without proper travel insurance, that includes coverage for medical issues, getting treatment can prove difficult. Increasingly, countries are making it harder for medical tourists to abuse their healthcare system and get treated for free. This means that, in many places, at admission to a clinic or hospital you will be asked for ID and proof that you can pay.
When you cannot provide this, treatment may be delayed. Or, worse if your condition is not life-threatening and bodily functions or organs are not seriously impaired, treatment may be denied. In that situation, you could have to wait until you get a lot sicker before you get seen by a doctor. If you have a proper travel insurance policy to hand over you can avoid situations like these.
You will also have a phone number you can call to get advice. Your insurance company’s helpdesk staff will be able to tell you where to go to get prompt and good-quality treatment.
Ensures you will be able to recover in familiar surroundings
Studies show that people who are treated in familiar conditions and have the support of family and friends are more likely to make a full recovery. You can read about why that is the case by clicking here.
So, getting the person who has fallen sick or has been injured back home is always best. But, for most families, the crazy cost of medical repatriation means that is impossible to do. With the right travel insurance policy, this cost would be covered.
The above are just a few of the reasons it makes sense to buy proper travel and international medical insurance. It does not cost much and finding a decent policy for you and your family will not take you long.