Before you decide on a travel insurance plan, it is wise to investigate the plan carefully and read the fine print. You should closely check any agreements with your travel agent, tour operator, airline, or other companies involved with your travel plans. The agreements may include written guarantees.
If you have a fully refundable airline ticket, you may decide that you would not need trip cancellation/interruption insurance.
On the other hand, it may be worthwhile noting that certain insurance plans can protect you by covering the financial costs in case of the following situations:
?A sudden, serious injury or illness to you, a family member, or a traveling companion.
?Financial default of the airline, cruise line or tour operator.
?Natural disasters or strikes that impede travel services.
?A terrorist incident in a foreign city within 10 days of your scheduled arrival in that particular city.
The fact that you, a traveling member of your family, or a traveling companion were quarantined, served with a court order or required to serve on a jury.
A circumstance in which you were directly involved in an accident enroute to departure for your trip.
It is a good idea to check your other insurance policies. For instance, your homeowners or tenants insurance may cover the loss or theft of your luggage.
Certain credit cards may also provide additional travel insurance, if you have used them to purchase the ticket for your trip.
Your health insurance may provide certain coverage, regardless of where you travel. But it is very important to note that some policies only partially cover medical expenses abroad. Moreover, as previously explained in the section on Health Insurance, Medicare/Medicaid will not cover hospital and medical services outside the United States.
Overseas Medical Travel Insurance
It certainly does not come naturally, to think of going overseas when we are told that we need major surgery or involved healthcare or dental work, or even when we would like cosmetic procedures done. After all, trips overseas are for holidays and happy times, they take a lot of planning and they are for fun, not medical duty...right? The answers are yes, they are for holidays and happy times, but they do not necessarily need excessive planning, and they can definitely combine fun with medical duty. We explore the top five reasons why medical tourism is exploding in popularity.
Price
This is the top reason cited for people to travel overseas for medical care. For example, if you need dental work done, you could be paying a tenth of what you would at home, for the same standard of work, at a hospital in Bangkok or hospitals elsewhere in Thailand, or at some of the excellent Indian facilities. India is currently the lowest priced option for which most Westerners will be satisfied with the quality of treatment, and at hospitals in Bangkok Thailand, or in South America, prices are slightly higher for extra services like help with passports, liaison with doctors in your home countries, and translators to make things easy for you.
Service
If you have ever been in hospital, you know how busy and stressed many of the staff are, simply because of low staffing levels, long hours that must be worked and a general reluctance to 'serve' others. Hospitals in Asian countries like Bangkok hospitals, Mumbai hospitals and Brazilian hospitals often don't face these challenges. Registered nurses are much more plentiful in these countries, as there is less aversion to personal contact with people. You can often expect to be escorted around hospital grounds to find other departments, and be treated with extreme courtesy. Rooms in Bangkok Hospital Medical Centre at the highest level include extras like flat panel TVs, a large living room, two complete bathrooms and a city view, as well as Wifi and meals for three included in the price.
Quality
We tend to assume that if something is cheaper that it must be of a lesser grade. This is simply not so, with some of Bangkok's best hospitals, like Bumrungrad and Bangkok Hospital having the majority of staff trained outside Thailand. In India, many doctors are trained in Europe and the US and speak flawless English - the care for medical tourism is only cheaper due to a much lower cost of living in these countries.
Availability
Every different country has different procedural restrictions - where laws may prevent you having stem cell therapy or IVF treatment in your home country, this is often not so if you choose medical tourism. Even common, legal-in-all-countries procedures often have enormous waiting lists in Western countries. Essential surgery can take a year to be performed in Canada, whereas in the best hospitals in Bangkok it can be arranged almost immediately.
Tourism
This is one of the most compelling reasons to go overseas for many! Recuperation can only be aided by having a gorgeous seaside view, and no housework to do, when you have just had major surgery. The savings that you will make in the cost of care usually more than cover a stay in luxury hotels in medical tourism countries - and you have a 'free' holiday.
Both Lar & Gregory Smyth are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Lar has sinced written about articles on various topics from Travel and Leisure, Credit Cards and Hotels and Hostels. Larry Westfall is a frequent traveler to Bangkok - the City of Angels - and owner of Submitted by:. Lar's top article generates over 201000 views. to your Favourites.
Gregory Smyth has sinced written about articles on various topics from Types of Cancer, Luxury Hotels and Family Travel. - 36 years of advanced medical technology and expertise, complemented with Thai hospitality and compassionate care. Includes the world-renowned. Gregory Smyth's top article generates over 201000 views. to your Favourites.
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