• International Insurance Blog

  • Friday, July 21, 2017

One frequently asked question in connection with international travel health insurance is this: If medical care is most expensive in the United States, I know I’ll probably be paying less when I get treated abroad anyway. Why should I even bother with travel insurance?

The answer lies in the very nature of a travel health insurance policy. No one expects to break the bank for a visit to the doctor because of a common cold, and you can manage that without insurance. Travel insurance is meant for sudden conditions that result in major unforeseen expenses. When abroad, there are several illnesses and conditions that might rear their ugly heads, some of them costing thousands of dollars to treat. If the condition is not treatable at the local hospital, then insurance will provide for your medical evacuation as well.

For example, if an uninsured traveler to Singapore is in a car accident, major surgery and other expenses will be involved. The trip will likely have to be postponed, and expenses related to the cancellation of tickets and hotel rooms will also have to borne by the traveler.

In this situation, international travel insurance can help protect the plan holder against a big hole in the pocket. It is, however, a good idea to find out how expensive medical care is in your destination country, in order to determine the level of coverage and deductible to choose. Traveling without insurance, however, is not an idea worth considering.

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