Every traveler needs to have insurance covering illness or injury while traveling.
If traveling domestically, your personal health insurance policy is probably sufficient but check with your provider, especially if undertaking a trip with risky or unusual activities.
If overseas, your policy probably does not cover illness and injury while traveling. However, in order to purchase an emergency medical policy for overseas travel, usually an in-force domestic health insurance policy is required.
A good emergency medical policy protects against (subject to deductibles and conditions of the policy):
- Sickness or Injury.
- Trip Cancellation/Delay Due to Sickness or Injury.
- Emergency Medical Evacuation. For instance, if it is determined that emergency return travel is required because of sickness/injury, expenses for such travel may be reimbursed.
- Repatriation of Remains.
If travelers take more than one international trip per year, it might be worthwhile to purchase an annual policy instead of individual trip coverage.
If a traveler is overseas and a medical situation warrants travel back home, special emergency medical evacuation fees can be considerable. It is not unheard of for these fees to be $50,000 – $125,000 or more.
It is STRONGLY recommended that all travelers are covered for emergency medical coverage. No exceptions.