So you want to leave the homeland for a while, see the sights, take the pictures, or perhaps, do some business. You've packed the swimming trunks, the extra layers, the hiking boots, the sun screen, but the question remains: is your medical insurance traveling with you? What happens if you get to Brazil like you always wanted to, and then, in a freak spilled mojito accident, you break your ankle? What if the escargot from that charming Parisian restaurant reacts badly with your American digestive system, and you are suddenly in the throes of the worst food poisoning you've experienced in your life? It is no small matter; according to the US Center for Disease Control and Prevention, one half of US travelers heading to another country will experience some sort of health problem while abroad.

Ever since the Michael Moore film, "Sicko," came out, we all know that many other countries (well, specifically France, Canada, and Cuba) provide affordable, sometimes free, healthcare to their citizens, but how does it work for us, Americans, abroad? Well, the truth is, unless you make special preparations, the outlook is not good. According to World Wide Medical.Com website, "most US insurance companies, HMOs, PPOs or Medicare [plans] do not provide adequate medical insurance." There may be exceptions, and you should look into the fine print of your plan, but every major US health insurance providers suggests getting some form of traveler's insurance. Unfortunately, there is no foreign country that provides free health care for travelers.

Travel insurance plans provide three types of coverage: for medical care when abroad, the cost of emergency medical evacuation, and reimbursement for sudden trip cancellations and lost luggage.

Should you require medical attention while abroad, most insurance companies provide support in the form of emergency hotlines. They will advise you on the best hospitals in the area, as well as the ins and outs of the local systems. It is strongly advised that, if possible, you consult your provider before seeking medical attention in a foreign land. Also, insurance providers warn that most third world countries' hospital systems require payment upfront for services rendered. This fee would be reimbursed by the plan.

The most pressing concern is the case of an emergency medical evacuation from a foreign country back to the US. Evacuations are necessary when a very serious medical condition arises, and the traveler/patient must be transported back to the care of his/her primary care physician or a home-based expert. This can cost upwards of $10,000 as it is a coordinated effort between several hospitals and at least one airline. Most travel insurance plans provide the option for specific coverage for this contingency.

Another aspect to consider when travelling abroad, is the cost of sudden cancellations, or changes in travel plans as a result of medical or other emergencies. In an era when airline companies are logging record numbers of lost luggage, this aspect of travelers insurance provides reimbursement for the purchase of clothes and other necessities. In this sense, you could come out a winner: imagine an 'emergency' shopping trip at the fabulous designer stores of Milan.

So, whether you are planning a road trip to Canada, or a fourteen day hike in Machu Pichu, pack some warm socks, swim trunks, and your new friend, Mr. Traveler's Insurance.

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Have you ever bought travel insurance? If you do not, you're not alone. Most people do not have travel insurance and many of them experience some difficulties as a result. But there are some cases where it is definitely in your interest to buy insurance to protect you when you travel. This type of insurance can cover lost luggage and valuables, injuries and diseases, accidents and broken or interrupted Travel among others. Select your travel insurance carefully to the needs of you and your family.

Before you sure you need the travel costs is to estimate the total. If you are just taking a trip that you found on a large, it may not be useful for you to purchase travel insurance. On the other hand, if there is a month long trip to the Greek islands could obtain from consider> Insurance. Think about how you affect in the portfolio, if something happens.

Many homeowners, auto and medical insurance travel to some degree or another, so you do not need travel insurance for these areas. Your insurance may require the owner of valuables loss. Auto insurance often covers damage to rental cars, but you can get a confirmation on the ground when traveling outside.Health insurance is very different in different places on the cover, so check with your provider for options before getting an insurance, such additional insurance coverage during travel.

Buy your travel insurance from an insurance company that the provider not associated with your trip. In this way, if you lose your travel company, due to the cancellation or failure of the trip, you will still be able to get a refund.

If you Children do not have your travel insurance should be additional exposure. Children can get sick, break bones, etc. and you want to protect.

Be sure to read the fine print on any policy before signing. Every policy has different exclusions and limitations, and you should be aware. If one of the exceptions concern you, you may wish for an insurance provider or a different order.

If you want peace of mind while> Travel without worry of illness, loss of baggage, etc., you should definitely consider your travel insurance.

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If you have a credit file on your medical travel insurance is important to have the right papers. I suggest you check the invoices and documentation of medical facility you get when you receive them. Not only did they put it in your pocket and you look when you return home. That's why you do not want to take the correct documents:

Our family and 2 other families have a cruise in December 2006. Cruise line name is not important because what has happened to me easilyeach step. She has not even taken a cruise - all you need is to seek medical care away from your family doctor. During this trip, my son became ill with a serious throat infection. I took him to the medical facility, as the daughter of our friends had a sore throat the day before. Luckily my son does not have.

I have the invoices and documentation of medical infrastructure of the ship the next day. As I said in the travel insurance industry, and I know how importantcorrect papers, I carefully examined the documents. I did not discover it filled the diagnosis (this is important) and said they gave him 2 drugs (which have of him, not drugs).

If I waited until I got home and use these forms to invoke the application, would be my request has been refused. Also, I doubt I would be able to detect and treat yourself to the doctor on the cruise ship for the bills after what would have been a month of being right.And that assumes that I can actually come into contact with the ship's medical facility, which is certainly the best.

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