The importance of travel medical insurance for trips abroad

Travel medical insurance isn't expensive, but it can save you a lot.

WEST SPRINGFIELD, Mass. (WWLP) – If you’re trying to fit in an overseas vacation for the second half of summer, you should realize your health insurance company probably won’t cover you.

It doesn’t cost much, and it could save you hundreds of thousands of dollars if you have a medical emergency in a foreign country.

Whether it’s the Caribbean, Mexico, Europe or somewhere else, the majority of health insurance companies won’t cover you if you need medical assistance abroad.

Derek Featherstone is visiting western Massachusetts from Canada and he makes sure that he has health insurance before he makes any trip out of the country.

“Just want to be safe really. No real feeling like I wanted to spend ten thousand dollars on some kind of emergency medical bill that might happen so we kind of cover ourselves,” said Featherstone from Ottawa.

AAA’s Mindy Ginley told 22News many people don’t think about insurance abroad, but they should

“It’s called travel medical insurance and it covers emergency treatment, hospital stays, doctors visits and evacuation back home should you need it,” said Ginley from the AAA of the Pioneer Valley.

Those evacuations alone could cost more than $50 thousand without insurance.

Travel medical insurance is not nearly as expensive as you might think, for a typical forty year old heading out of town for a week, the cost would be less than $50 for two million dollars worth of insurance coverage.

You can purchase insurance for days, weeks, months or even a year to cover your health and evacuation expenses should something happen in another country.

Travel medical insurance may also cover trip cancellation due to illness and can be purchased as late as a day before your trip.

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