When most people think of travel medical insurance, they typically only consider trip cancellation (TCI), trip interruption (TQM) and emergency medical services (EMS) protection. You should of course also consider unexpected medical risks on your trip, from disease and other issues that may occur during your trip and once you get home, or after you have returned from your trip.
Some people think of TCM as a kind of « diet therapy », because some of the traditional Chinese medicines are actually quite toxic. There have been stories about the effects of these drugs, including heart problems, skin irritation, and even death. This can be a serious problem if you are taking any of these drugs during your trip, so be sure to research any medication you plan to take while on your trip.
Emergency medical services (EMS) is not just for emergencies. If you are planning to take a long trip, or if you are going to be away from home for any length of time, you need to make sure that you have adequate emergency medical services coverage with a travel medical insurance plan.
One of the more common problems that come with trip cancellation or emergency medical services is medication poisoning. Many of these drugs, like aspirin, acetaminophen and ibuprofen, can actually cause serious health complications if consumed in large amounts over long periods of time. These drugs are often used to treat various conditions. When they are taken in large amounts, they can cause the patient to experience nausea, vomiting, dizziness and even diarrhea.
The most common problem associated with TCM or other medications is the possibility of developing an allergic reaction to the medication. Many people may be sensitive to certain medications, especially those that have a strong odor.
Other things that can result in a trip cancellation or emergency medical services coverage that isn’t included in a travel medical insurance plan is disease outbreaks that may be contracted while traveling. These include hepatitis A, hepatitis B, cholera, diphtheria, HIV/AIDS, herpes and malaria.
If you have a long trip ahead of you know that you won’t be able to contact your doctor at all times during the trip, it is highly recommended that you have some type of coverage. This will provide peace of mind in case something happens during your trip that requires immediate medical attention, but also provide additional comfort if you do have a medical emergency.
In order to find the best plan for your needs, it is best to ask around among your friends and family. They will likely know of some friends who have had good experiences with one or several companies. Take a look at their comments and recommendations, and decide which company is the right fit for you.
When you decide which travel medical insurance is right for you, make sure that you compare the plan with your individual medical history and preferences. Don’t forget to ask questions that may seem trivial, such as what will happen if you have a pre-existing condition that is currently being treated by another provider.
There are two types of travel medical insurance. The first is referred to as the umbrella insurance policy. This type of plan provides coverage for a variety of medical emergencies and other expenses that are not necessarily related to your medical condition, such as lost or damaged baggage, medical evacuation and the cost of travel delays. Another type of plan provides coverage for certain pre-existing medical conditions.
If you have an existing condition, make sure that you discuss the costs involved in purchasing this coverage. You will need to pay a percentage of the total cost of your medical services. This will depend on your particular circumstances and what kind of coverage you purchase.
Make sure that you also research the companies that offer these policies before making a decision. Make sure that they have enough money in the reserve to pay for the claims made when you make an emergency claim. You should also inquire about the type of payment plans that are offered.