Agent, American Financial Associates, Inc., North Port, Florida
Most health insurance plans give some coverage overseas. The extent of the coverage in most cases is determined by looking at the event as life threatening.If that is the case, then emergency room visits would be covered.What is important for the traveler to know is that most doctors and hospitals in foreign countries want payment up front for services at the time of the visit. One instance I know of that happened to a traveler in Panama was a traveler went to the hospital and was required to pay $5,000 up front as a deposit before they would treat them. The traveler has to file claims after the fact and wait for a reimbursement. If you are covered by Medicaid or Medicare, there is no coverage outside the U.S. except Medicare will cover emergencies in Canada if they happen while en route to Alaska.
When traveling outside the U.S. and on cruises the best course of action is to purchase a medical policy specifically for coverage overseas. These policies are very economical and offer an array of terms and choices. One of the most important services is to have a multilingual customer service agent who can help you locate medical services, deal with currency exchanges, manage claims and can co-ordinate services 24/7.There are many companies that provide these insurance policies. I represent International Medical Group (IMG) who has many choices for nationals and foreign nationals that travel globally for business or pleasure. They have been in business for over twenty years and concentrate solely on this market. The United States Consular Bureau of Affairs also has a list of companies that provide these policies.
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When traveling outside the U.S. and on cruises the best course of action is to purchase a medical policy specifically for coverage overseas. These policies are very economical and offer an array of terms and choices. One of the most important services is to have a multilingual customer service agent who can help you locate medical services, deal with currency exchanges, manage claims and can co-ordinate services 24/7.There are many companies that provide these insurance policies. I represent International Medical Group (IMG) who has many choices for nationals and foreign nationals that travel globally for business or pleasure. They have been in business for over twenty years and concentrate solely on this market. The United States Consular Bureau of Affairs also has a list of companies that provide these policies.