The stuff no travellers like to think about
Getting sick while travelling — and no insurance!
Getting sick or injured is never fun but while traveling it can be even bigger inconvenience than it usually would be. Most people have no hesitations when they insure their cars or homes, but many travelers tend to think that bad things won’t happen to them when they travel. Even when you hear horror stories about things going wrong, you might think “we won’t be so unlucky”.
It’s especially easy to think that when you’re young and health problems seem like something far away. The idea of paying for a travel health insurance might seem unnecessary when you don’t have any health problems, but accidents and illnesses can happen to anyone, regardless of age or other factors. Sometimes troubles show up when you least expect them.
If you’re planning to take part in extreme sports or activities it’s even more important to take an insurance which covers these activities. Always consider what kind of coverage is needed for your travels. You might need a different kind of insurance plan when traveling in developing countries than when traveling in more modern destinations.
Medical treatment can be very expensive
If you do end up getting sick or injured while traveling this means you might need medical treatment. If you don’t have a health travel insurance to cover the expenses of the treatment, you might have a big bill on your hands. The small amount paid for the travel health insurance can end up saving you tens of thousands of dollars.
Abroad hospitals might admit you into a hospital and take care of you, but they might not let you leave before you pay. You might also get overcharged in some countries for medical treatment and for this reason too it’s a relief to know you have insurance plan to cover the expenses.
If you’re not sure if you should take a travel health insurance or not, you can ask yourself, do you have the resources to pay for an unexpected visit to a hospital in a foreign country. In many destinations medical treatment is very expensive. It can also be very stressful when you know that you don’t have coverage in case of getting sick or injured.
Medical evacuation and repatriation of remains
Even if some basic medical treatment wouldn’t end up costing too much at the destination you’re traveling at, there might be surprising events that will cost a lot of money. For example you might need a medical evacuation from a foreign country. If you get hurt or sick you might be evacuated to a different location with better medical facilities. Without insurance you might be paying for this evacuation for decades to come.
It’s also important to make sure your insurance plan covers repatriation of remains. Many don’t really think about it, and who would want to, but it will be expensive to bring your body back to your home country in case you die overseas. You should have a policy which covers the expenses of repatriation of remains in case the worst happens. Your family might end up with a huge bill to pay if you don’t have an insurance covering the repatriation of remains.
You never know when disaster strikes
When you’re considering taking a travel insurance plan it’s not just a simple analysis of your general health. Anything can happen. It’s important to have a travel health insurance even if you’re not likely to get sick or you don’t plan on taking part in extreme sports. Accidents can happen to anyone and anyone can get sick.
Car accidents happen abroad all the time and many tourists get hurt that way every year around the world. Having a travel insurance plan will give you at the very least peace of mind and in some cases it can save you from a huge bill. Whether it’s your trip, your valuables, or your health, the right kind of travel insurance is an essential item to pack for any trip or vacation.
So, next time you go travelling spend a little time to consider what you will do if you should get sick while you are a way. A bit of planning might save your life.
At Vervig we are developing innovative solutions to improve travel- and expat health.