n alarming number of Americans are unclear whether their health insurance works outside the US, according to a new survey from InsureMyTrip.
WARWICK, R.I., /PRNewswire/ -- An alarming number of Americans are unclear whether their health insurance works outside the US, according to a new survey from InsureMyTrip. Over fifty-six percent polled were not sure whether their domestic health insurance plan would cover any emergency doctor or hospital visits while traveling outside the country. Twenty-two percent said their domestic health insurance would offer no coverage, while the rest believed their insurance plan would offer coverage. Survey question: Does your domestic health insurance cover any doctor or hospital visits while traveling outside the US? Survey results: Understanding Coverage Policyholders may discover they have either “in-network” coverage, limited coverage, or no coverage at all. Travelers should also be aware of the following: Deductibles: the amount a patient must pay for covered services before insurance kicks in A Word About Medicare Emergency Medical Evacuations More: Comprehensive travel insurance plans and medical evacuation coverage Travel Insurance Options Most travel insurance providers offer one or two different types of insurance plans that provide emergency medical coverage outside the US: Comprehensive travel insurance --- offers the most protection for travelers. It provides a variety of benefits including trip cancellation, trip interruption, emergency medical evacuation, emergency medical coverage, 24/7 emergency assistance, and baggage protection. Example: For a $5,000 two week vacation to Aruba, a comprehensive travel insurance plan will cost a couple in their 50s around $200. This includes a $50,000 medical limit, $250,000 for medical evacuation in addition to trip cancellation coverage. Travel medical insurance --- provides emergency medical coverage, 24/7 emergency assistance, and emergency medical evacuation coverage. Trip cancellation is typically not included. Example: For the same trip to Aruba, a travel medical insurance plan will cost a couple in their 50s around $80. This includes a $50,000 medical limit with a $250 deductible and $500,000 medical evacuation. How it helps Emergency medical care: when a traveler requires a doctor or hospital visit when traveling abroad. Emergency evacuation: when the attending physician requests that the traveler be transported to a more adequate medical facility or back home for further care. 24/7 emergency assistance: when a traveler needs help with a medical-or-safety-related issue, needs to find a doctor or hospital or requires translation services. Some travel insurance policies may also cover pre-existing medical conditions. To learn more about eligibility requirements, visit the learn section on InsureMyTrip. Travel smart Contact news@insuremytrip.com for more information. InsureMyTrip InsureMyTrip is the authority on travel insurance. We are committed to empowering travelers to make the best possible insurance decisions by leveraging our technology, data intelligence, and expertise. Methodology View original content with multimedia:http://www.prnewswire.com/news-releases/study-americans-unsure-whether-their-health-insurance-extends-outside-the-us-300698758.html SOURCE InsureMyTrip |