How to Travel With My Exisiting Medical Insurance

Traveling domestically or abroad can be frustrating because of the preparation that it takes beforehand. For instance, health insurance is necessary to cover any injury or sickness you might incur while on your trip, especially if you are traveling abroad. Some individuals might choose to get new health insurance for their travels; however, this may not be necessary. You should check with your insurance provider to determine whether your existing insurance will cover you while on your trip.

Instructions

    • 1

      Contact your existing insurance provider. If you have insurance through an agent, you may contact that agent about your travel insurance; if your insurance is through your job, you can contact your employee benefits department you can directly contact your insurance provider's helpline.

    • 2

      Ask your insurance agent or company if your current health plan offers travel insurance. Some premium plans might include travel health insurance, so you might already be paying for it and just not know about it. You should also ask key questions pertaining to your trip. Ask the insurance representative if your insurance will cover hospital stays or necessary medication prescriptions outside of the country if you are traveling abroad. And find out if medical evacuation would be covered in event of an emergency.

    • 3

      Instruct your insurance representative to add travel health insurance to your plan.

      This is temporary coverage that will last as long as you are on your trip, and it comes at an additional cost.

    • 4

      Fill out the additional forms for the travel health insurance and return them to your agent no less than a month before your trip. This will ensure that the insurance coverage will begin on time.

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