Why Is Travel Medical Insurance So Important?
Typically, domestic health insurance does not provide coverage for overseas medical emergencies and international travelers are unable to obtain this type of protection after they are outside of their home country.
Exploring far-away lands without medical coverage could leave you vulnerable to all kinds of expenses, beyond the standard hospital bills.
Travelers who are injured overseas may need assistance with things like:
Emergency Medical Evacuation
Sometimes referred to as medevac or medivac, Emergency Medical Evacuation ensures that you get to the right hospital quick after an injury and that you get care on the way. Travel insurance can mitigate enormous costs of a medical evacuation in the event of unforeseen emergencies.
Emergency Medical Reunion
When loved ones need to be with a patient after an injury, Emergency Medical Reunion can lead to expensive overseas travel and lodging expenses. Having the right coverage allows friends and family the peace of mind to be with those who need them when they need them.
Trip Interruption occurs when a traveler is forced to end their trip early and return home. Provided that it occurs for a covered reason, such as medical emergency or natural disaster, the expenses for the remainder of the trip are reimbursed up to 150%.
Return of Mortal Remains
Sometimes called repatriation of mortal remains, which is the worst-case scenario of a loved one passing away while traveling overseas. The body must be appropriately transported back to family at this time.
What Happens If I Don’t Get Travel Health Insurance?
In short, debt, further injury, or even loss of life.
The forms of additional assistance involved with severe injury overseas can add up to hundreds of thousands of dollars. Emergency medical evacuation alone may cost $50,000 or more. If something happens while you’re traveling internationally, and your regular health insurance or credit card doesn’t offer any coverage, you’re at risk of suddenly weathering many thousands of dollars of debt.
If you’re unable to fulfill an unexpected medical evacuation, this risk may also result in failure to receive the best medical care. This could mean the difference between saving or losing a limb – or a loved one’s life.
What Do Travel Insurance Plans Cost?
The average cost of a travel insurance plan for a relatively short trip overseas might be $100 or less. Our agents’ expertise and personal assistance is completely free. They’re available to help make sure you pick a plan that fully covers your needs.
With Murray’s BCBS Travel Insurance Policies, not only will you be able to enjoy your adventures with peace-of-mind, but you won’t have to pay upfront and then wait for reimbursement either. Our support is there the moment it’s needed.
Will My Whole Family Be Covered?
A person that has applied for benefits, is named on the application and for whom HPA has received the appropriate plan cost, is considered eligible for benefits under our travel insurance plan.
Eligible Dependents include a spouse who is legally married to you or your unmarried child from 30 days old until his/her 19th birthday.
When Will My Coverage Start?
Your coverage will start on whichever of the following events occurs last:
- The date HPA receives a completed application and the appropriate plan cost for the period of protection; or
- The effective date requested on the application; or
- The moment you arrive in the country noted on the application; or
- The date HPA approves the application.
What are Some Features of the Plan?
- Emergency medical evacuation
- Return of mortal remains
- Emergency medical reuinion
- Return of minor children
- Trip interruption
- Unexpected recurrence of a pre-existing condition
- Loss of checked luggage
- Emergency dental for accidents
- Accidental death and dismemberment
- Incidental visits
- 30-day extension of benefits
Murray Insurance Agency is the local agency for Florida Blue and FHCP.
Want to see how we can assist you today?
Contact us today (800) 388-9908.