Concern about inoculations as well as concerns over insurance coverage were expressed by a friend who was about to embark on a trip overseas. She had a doctor who recommended medicines against tetanus and hepatitis. From this inveterate traveler, you will receive the advice to take the shots, make a couple of phone calls, and have a good trip.
To get the latest information on the health situation abroad you should place a call to the Centers for Disease Control in Atlanta and to get further advice regarding health issues or other important warnings ranging from crime statistics to political unrest that might affect your travels you should contact the State Department's Citizens Emergency Center in Washington.
For when you travel overseas, vaccines will be able to do as much to allay underlying anxieties as to assure good health if there are no inoculations are required. It is peace of mind that you can gain from this considering that you are traveling far from hearth and home.
But what about extra insurance coverage? Considering that this is a healthy question, the answer should be a matter of common sense. Always make a decision based on your itinerary when it comes to the kind of insurance coverage to purchase.
What you may be doing is traveling alone or as part of a small group of travelers and you can have a lifeline in extra medical coverage if you are going to a remote and primitive part of the world where there are no hospitals, no medical supplies, few physicians, and where you are not likely to find anyone who speaks English. On the other hand, if you're visiting Stockholm where medical facilities are sophisticated and physicians are abundant, and where English is a second language, added insurance is probably more reassuring than necessary. In this case, it is a broad spectrum of travel insurance plans that will be available.
Two categories exist for travel insurance plans and these are medical coverage and travel assistance plans. Medical coverage pays for medical treatment such as emergency surgery, hospitalization and prescription drugs. With travel assistance, you will have coverage for repatriation of children stranded abroad by illness of a parent or guardian, health related emergencies such as patient evacuation to a nearby hospital, travel costs for family or friend to a patient's bedside, and referral to English speaking physicians.
They also might cover translators' fees, lost luggage and legal referrals. There are some companies that provide plans ranging from $35 to about $60 for a 14 day policy for single adults. In terms of the benefits offered by insurance agencies, it will be wise for you to compare several plans before buying because they vary substantially.
When it comes to this, you should take note of various policy limits on pre-existing conditions, accidental death, dismemberment, non-emergency situations, flight delay and trip cancellations and subscriber access to 24 hour telephone customer service hot lines too.
It will be necessary for you to see if your current policies are valid for travel within the United States. Also consider checking how far you must be from home for the policy to become effective. Before you sign a contract, see to it that you have carefully read your regular personal health and homeowner's insurance policies to avoid duplicating any new offers for medical and property loss benefits.