Medical Insurance Coverage When Traveling Abroad

Let's hear your comments too!

Author: The Traveling Professor/Thursday, August 8, 2013/Categories: General Travel

Rate this article:
4.4

Insurance When Traveling Abroad

A few years ago, I was on a trip to Florida and I came down with appendicitis.   Luckily I was able to get back home to New York and be treated.  But if I were in Paris or Italy, would my medical bills have been covered by my health insurance?  Could I have gotten back to the U.S. for treatment?  What if my condition were more serious where I needed medical care that I would have wanted performed in the United States?

It’s my feeling that the contents of lost luggage can always be replaced, and I can always return to Europe again if my trip gets interrupted.    However, a value cannot be placed upon one’s health and well-being.  Therefore, should I become ill, it is most important to me to be able to get medical attention without worry on what the bill will be, and if necessary, I want to be medically evacuated to the United States should my condition warrant that.

I researched the coverage I have with my existing Citibank Platinum credit card.   After 5 phone calls, and about an hour on the phone, the short answer is, there isn’t much coverage if I purchase a trip with my credit card.    There is no medical insurance or evacuation coverage other than a referral service.  However, they will cover checked luggage up to $2,000 per bag with a cap of $10,000 per trip.

But when I purchased a round-trip airline ticket on American Airlines between New York and Italy, an offer for trip insurance was made:

Baggage Delay Coverage:  $500
Missed Connection Coverage:  $500
Emergency Medical (Evacuation) Coverage: $60,000
Emergency Medical and Dental:  $20,000
Travel/Trip Delay Coverage:  $500
Trip Interruption Protection $814.90 (the cost of the airline ticket)

The cost for this coverage:  $52.97

What I am primarily concerned with is, what happens if I become ill overseas?  Is it worth $52.97 for me to have the peace of mind that I will have enough medical coverage until I get back to the U.S.?  Also, if I need to be medically evacuated back to the U.S. (which would cost about $40,000 to $60,000 from Europe) am I covered?   My personal answer is “yes”.   The other protections provided by the policies are just icing on the cake, as far as I am concerned. 

Number of views (1912)/Comments ()

«September 2019»
MonTueWedThuFriSatSun
262728

The Best Austrian City in Italy

Trieste VisitThere is much more to Italy than Rome, Florence, and Venice.  We do recommend visiting those three cities if you have never been to Italy before.  However, there is so much more to explore.  In between trips to Croatia, we had the opportunity to go up to Trieste, very close to the Croatia and Slovenia border. Although we spent only a short time there, we found it to be a refreshing and most enjoyable way to experience Italy.  Read about our short visit to Trieste in today's blog post. 

Read more
2930311
2345678
9101112131415
16171819202122
23242526272829
30123456