Many times the primary medical insurance in your home country will not cover you while traveling abroad and often will not provide important services, perhaps essential ones, in the event of an illness or injury. Medicare A & B and MediGap plans are no different (read the side bar). Senior travel medical insurance includes these essentials such as translation assistance during treatment, doctor and hospital referrals, and assistance replacing lost prescriptions.
Seniors travel medical insurance policies provide short term medical coverage for travel from as little as 5 days up to 12 months in length or longer, depending on the particular plan design. If you qualify, they will also cover pre-existing medical conditions while abroad.
Coverage can be used for US Citizens/ Residents traveling worldwide, as well as foreign nationals visiting the United States. If expatriating during retirement, you may want to consider a worldwide major medical annual insurance policy if traveling 6 months to one year or longer. International travel medical insurance plans cover for illness, sickness, accidents, emergency medical evacuation, repatriation of remains, common carrier and general accidental death & dismemberment, bedside visitation of family, among other unique additional benefits. A few will cover acts of terrorism worldwide and high adventure sporting coverage options .
Common features: single (one off) trips from a few days to a few years; can be automatically extended online at time of expiration; no medical underwriting (guarantee issued), limitations on pre-exisiting conditions coverages; limitations on coverage back in home country; an affordable alternative to worldwide major medical annual plans
Commons Uses: up to one year of single travel for seniors worldwide
Did you know that according to the Medicare.gov website (a Federal Gov't site), Medicare programs, even MediGap plans, DO NOT adequately cover you when outside the United States !
It is amazing how many American senior citizens do not realize this serious lapse in coverage. More and more retiring or retired seniors travel abroad frequently for rest and relaxation and many are actually expatriating abroad .
Now, more than ever in a post Obamacare world, US government backed health plans like Medicare and the ACA health plans have no intentions of paying international claims adequately or even responding in emergency situations.
It can be life or death. Click below to get your supplemental plan today... the cost on average daily is about the same as a Starbucks coffee. Invest in your health and well being when traveling abroad .
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