St. Petersburg, FL (PRWEB) September 26, 2012
With cooler weather approaching, many snowbirds are preparing to travel south for the winter months. Healthcare is often a primary consideration when planning for such long-term travel. According to travel insurance comparison site, Squaremouth, travel insurance plans can provide coverage options for seasonal residents if primary health insurance is unavailable during vacation.
Some may assume they have adequate coverage through primary health insurance providers and consider travel insurance an unnecessary expense. However, many health insurance policies provide limited coverage to travelers. For example, provincial medical service plans in Canada may offer little to no coverage outside of the country. Similarly, U.S. citizens traveling to other parts of the country often face reduced coverage or increased “out-of-network” costs.
This is especially true for travelers with pre-existing medical conditions. Many carriers provide pre-existing medical coverage if a policy is purchased within 10-30 days of the initial trip deposit. Some providers, such as HTH Worldwide, include policies that offer this benefit as long as coverage is purchased before the final payment date.
Additionally, many policies provide emergency medical evacuation if local medical facilities are unavailable or inadequate. “Since emergency medical evacuation can be extremely expensive, this benefit can protect travelers from potential financial burdens,” says Chris Harvey, CEO of Squaremouth. “We recommend that travelers carry $50,000 to $100,000 in medical evacuation coverage when traveling internationally.”
Repatriation benefits are also available to cover associated expenses for returning sick travelers home. In the unfortunate event of death, policies will also cover the repatriation of remains.
Travel insurance policies usually include numerous additional benefits. All policies come with a 24-hour hotline which provides travelers with a broad range of services, including medical referrals, legal assistance, and emergency cash transfers.
To make long-term vacationing easier, Squaremouth recommends that travelers fill all prescriptions pre-departure and make copies of important documents. Before purchasing travel insurance, travelers should check with health insurance providers to determine what coverage they may already have. If travel insurance is necessary, it's important to always read policy details carefully to understand coverage terms.
Squaremouth is America’s fastest growing travel insurance comparison site, helping customers instantly quote, compare and buy policies from every major carrier. Squaremouth has an extensive network of partner sites worldwide. The company is headquartered in St. Petersburg, FL., with offices in Fort Wayne, IN. For more information, visit http://www.squaremouth.com.
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The cornerstone of our commitment to customers is Squaremouth’s guarantee to remove any company from our website if there is a customer complaint that cannot be resolved to our satisfaction. Squaremouth offers the broadest selection of insurance with an emphasis on quality and follow-up care in companies featured. We also factor in independent evaluation from the insurance industry watchdog AM Best.
Squaremouth offers products from the following travel insurance carriers:
Air Ambulance Card, American Express, CSA Travel Protection, frontier MEDEX, Global Alert Admin, Global Rescue, Global Underwriters, HCC, HTH Worldwide, IMG, ITravelInsured, John Hancock, Medjet Assist, MH Ross, Seven Corners, Travel Guard, Travel Insurance Services, Travel Insured, Travelers Liberty, Travelex, TravelSafe, Trawick International and USA Assist.
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