International Travel Medical Insurance - Medical Tips For Americans Going Abroad

Why you should carry international travel medical insurance if you're an American going abroad.

If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in locating the appropriate medical services and informing family or friends. If necessary, a consular officer can also assist in the transfer of funds from the United States. However, payment of hospital and other expenses is always the responsibility of the traveler.

Before going abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form. Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.

It's important to carry international travel medical insurance or international travel health insurance coverage because:

THE SOCIAL SECURITY MEDICARE PROGRAM DOES NOT PROVIDE COVERAGE FOR HOSPITAL OR MEDICAL COSTS OUTSIDE THE U.S.A.

Senior citizens may wish to contact the American Association of Retired Persons (AARP) for information about foreign medical care coverage with Medicare supplement plans.

To facilitate identification in case of an accident, complete the information page on the inside of your passport providing the name, address and telephone number of someone to be contacted in an emergency.

A traveler going abroad with any pre-existing medical problems should carry a letter from the attending physician, describing the medical condition and any prescription medications, including the generic name of prescribed drugs. Any medications being carried overseas should be left in their original containers and be clearly labeled. Travelers should check with the foreign embassy of the country they are visiting to make sure any required medications are not considered to be illegal narcotics.

The Centers for Disease Control and Prevention (CDC) maintains a travelers' health web page.  For information about outbreaks of infectious diseases abroad, consult the World Health Organization’s (WHO) web site.

U.S. embassies and consulates abroad maintain lists of hospitals and physicians.

Some countries require foreign visitors to have inoculations or medical tests before entering. Before traveling, check the latest entry requirements with the foreign embassy of the country to be visited.

The above facts make it important that one carries international travel medical insurance ior international travel health insurance f you're an American going abroad.