How to Avoid Hospital Fees While Traveling

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Research conducted by the U.S. Travel Insurance Association reveals the fact that only 30 percent of Americans buy travel insurance before going on a trip. Purchasing travel insurance is the best way to avoid hospital fees, as it offers protection against medical emergencies, medical negligence, emergency evacuation and others. While many travelers are aware of trip cancellation insurance, 50 percent are not aware of medical evacuation insurance.

How to Avoid Hospital Fees while Traveling How to Avoid Hospital Fees while Traveling picture

Medical Emergencies
If you or one of your traveling companions requires hospitalization or testing during a holiday in Peru, you can end up with an enormous bill that you will be paying for many years to come without proper insurance. Before you purchase a policy, make sure you are not covered by an existing plan. If you are going overseas you will need international travel insurance. A primary cover will pay for overnight stays and transportation to the nearest hospital. In case of a medical emergency, the hospital can work directly with your insurer on billing.

Medical negligence
Medical negligence can arise if an overseas medical practitioner makes a mistake. Malpractice suits cost lots of time and money to pursue, and hospitals have experts, lawyers and doctors who seek to prove there was no malpractice.  Moreover, some legal systems exclude claims for negligence. The best chance of success is when the negligence is obvious and you find a good local lawyer. Even if medical negligence is proved, recovery can be expensive and without medical travel insurance you will have to pay the expenses yourself. You can find more information on this matter if you visit a medical negligence website. You will see that it is best to avoid such lawsuits which is why your travel insurance should be comprehensive and cover all possible problems.

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Underlying medical conditions
If you suffer from a pre-existing medical condition, you can choose an insurance provider that allows storage of medical history so it can be accessed from any location. It is also important to carry a letter from your doctor that includes all the medication you are taking. Those who suffer from a heart condition should bring a copy of the most recent ECG.

Supplemental medical evacuation insurance
A good travel insurance policy includes coverage from emergency medical evacuation from a resource-poor area to a hospital and from overseas to your country of residence. Domestic insurance policies usually do not include this option, so at least purchase it as a short-term supplemental insurance. Make sure the insurance company has possibilities to help you, especially if you are traveling to a remote location. Before you purchase coverage, look for the company’s arrangements with hospitals in that area, emergency medical transport to facilities via road, air and sea and assistance via a 24-hour physician-backed support center.