Diwali Is Approaching. Are You Protected To Celebrate?
Diwali will be celebrated on November 14th and last for five days this year. Diwali is a beautiful time for Hindu families to come together and celebrate by having elaborate feasts, lighting diyas, and just being together. This year, unfortunately, many who celebrate Diwali will not have the opportunity to travel to India because of COVID-19 travel restrictions and celebrate with family.
Luckily, there are no restrictions for visitors from India to visit the United States. Over the past 30 years, the popularity of Diwali has increased in the United States. This is no surprise that Diwali observance is on the rise because there are over 2.23 million Hindus in the United States now, according to the Pew Research Center. Hinduism and Buddhism are the fourth-largest faith groups in the country behind Christianity, Judaism, and Islam.
Travelers will need to take additional precautions to protect themselves and their families when traveling to the United States to celebrate Diwali this year. We at Trawick International highly recommend that if you are visiting the United States from India or another country that celebrates Diwali, you should purchase a travel medical insurance policy. Unlike many countries, the United States does not provide healthcare insurance for travelers abroad.
What is travel medical insurance, you ask? Travel medical insurance is a type of insurance designed to cover emergency health care costs incurred while traveling or vacationing abroad. For example, you slip and hit your head and are rushed to the hospital. You will be responsible for covering all the costs associated with your visit to the hospital out of pocket. Now, if you were to purchase travel medical insurance, the price of a local ambulance to transport you to the hospital, your emergency room co-payment, the bill for your hospital room and board, and all other eligible medical expenses would be covered under your travel medical insurance policy.
Trawick International offers several plans for non-US Citizens/Residents to purchase. Our Safe Travel USA, Safe Travel USA Coast Saver, and Safe Travels USA Comprehensive medical plans provide coverage for COVID-19 related expenses and treat it the same as any other sickness. Since the beginning of the pandemic, Trawick International has insured COVID-19 and will continue to do so to make sure that families from across the world can be together to celebrate life’s special moments.
Visit Trawick International for more information about our Inbound to the USA Travel Medical Insurance or obtain your Travel Medical Insurance Quote.
at 23 Oct 2020
Every country in the world has their own sets of laws and policies that govern how residents pay for medical care. Some have socialized care which is provided by the government or privatized care where the patient pays for the care out of their own pocket or through insurance.
So, what happens if you are visiting a country and need medical attention?
In most cases even if the country has free healthcare for its own citizens, a foreign visitor will have to pay for their own bills. This is one of the leading reasons that vacationers purchase travel insurance. They want to avoid the bills and costs associated with an unexpected medical expense abroad.
Medical Expense Coverage
When planning a vacation, tourists always think of the great time they are going to have. Whether that includes lounging at the pool, getting a tan on the beach or enjoying a drink at a trendy bar, most dream vacations do not include illness or injury. However, it is a risk we all take when we leave our homes. This risk is most amplified when we are in unfamiliar locations or taking part in activities that can lead to getting hurt. Since we have no control over accidents or illness, it is best to be prepared.
Medical expenses coverage is there to pay for emergency treatment in case you fall sick or get hurt on holiday. Depending on the type of cover you have purchased, the following protections are included:
- Emergency Treatment and Medical Expenses
- Travel and Accommodation Costs
- Search and Rescue Costs
- Hospital Expenses
- Travel and Accommodation of Companion (Someone to stay with you while In the Hospital)
Exceptions for Medical Coverage
It is important to read the wording of your policy carefully before departing on your trip. This makes sure that you know exactly what is covered in case of an issue during your holiday.
A common thing that vacationers overlook is that some travel insurance does not offer benefits if you are found to be under the influence of alcohol when injured. Most people will probably have a glass of wine or some scotch if they are on vacation, so it is something to be aware of when traveling. Some policies also do not cover accidents that happen if the insured is under the influence of recreational or illegal drugs.
Some Activities Might Not Be Covered
Some other points to keep in mind is that travel insurance policies also have language that points out that injuries sustained because of violent activities or behavior will not be covered. Insurance providers also have restrictions on what type of activities they cover during your vacation. So normal sightseeing and tours may be covered but you could be denied medical expenses if you injure yourself in a high-risk activity like mountain climbing. Always check the language in your policy about what type of activities are covered. You may need to upgrade your policy if you plan on going for example on a ski trip instead of a regular visit to a city like Paris.
Medical expenses are standard for most travel insurance policies. What you need to keep in mind is that the coverage level and other restrictions vary. The best way to avoid being blindsided by a refusal from the insurance company for a medical expense is to go over all the details before making a purchase.
Emergency & Necessary Treatment
Travel insurance policies cover emergency or necessary treatments that are needed in the case of an illness or injury. Basically, this means that any medical procedure that is required to treat you after getting hurt or sick is covered. Emergency treatments are where you need immediate medical attention. Necessary treatments are ones that are needed and cannot be delayed or averted. However, anything beyond that is not covered. For example, cosmetic procedures or a regular medical checkup will not fall under this cover (with the exception of our wellness checkup benefit.)
Medical repatriation is the act of bringing the insured back to their country of origin because of an illness or injury that cuts their trip short. Many travel insurance policies have medical repatriation as part of medical expenses cover. In some cases, repatriation can become quite expensive especially if they require new tickets or travel plans that need to be arranged in a short period of time. Special chartered flights with the proper medical facilities may be needed to transport a patient. These special flights are called air ambulances and you should check the language in your insurance to confirm that they are included as part of repatriation. However, these sorts of travel arrangements may not always be approved by the travel insurance company. If the movement of the patient is deemed harmful, alternative solutions may be provided. This is usually decided on a case-by-case basis so you should keep in mind that an air ambulance is not always the best solution.
Travel Insurance medical expenses may also cover a few other items like the cost of tickets and accommodation that must be forgone because the policyholder had to leave early. Another aspect of this is when a tourist receives treatment and is not fit to travel. They may need a few days or weeks to recover before they can depart for their home country. Travel insurance also covers these expenses and you should always speak with your provider about these points before purchasing a plan.
Pre-existing Medical Conditions
Some travelers may have existing medical conditions that can be a problem or may make their travel riskier when compared to a healthy individual. It is best to speak with your insurance provider and tell them about your pre-existing condition so that they can help you get the right coverage. If you do not do this, it is likely that any medical emergencies that may arise during your travel because of your condition will not be covered by travel insurance.
Steps to Take During a Medical Emergency
Even though insurance providers try to be as customer-friendly as possible, you cannot just call up the company and expect benefits. In case of an emergency, you must follow certain steps to ensure that you get reimbursements and the coverage that you are entitled to under your policy. There can be variation between travel insurance so always read your policy documents, so you know the procedures for your specific plan. If you are not sure what to do, you can always contact the sales or support team and ask them directly before you travel so that you are prepared.
If you are on vacation and are faced with a medical emergency, then follow the below steps and you should have all your bases covered:
- Immediately call the hotline for your travel insurance provider. Normally there should be a customer support person that can help you through a medical emergency. Make sure you keep the contact number and contact method readily available at all times while traveling. If you are unable to do it yourself have a relative or travel companion do it for you.
- Always keep cash or credit card on hand to pay for certain expenses on the fly. Sometimes you cannot wait or delay while waiting for the insurance company. In other cases, it is not possible for the medical staff to take payment from the insurance. So, it’s best to make these smaller payments yourself and then get reimbursed by insurance later.
- Depending on where you are vacationing, the hospital may not offer any medical assistance unless they are assured that you can pay for the bills. You should relay this information to the travel insurance hotline so they can guide you on how to give the hospital staff this confirmation.
- The bulk of your treatment and medical bills will be covered by insurance. The hotline will arrange for guarantees to present to the hospital or clinic.
- Always document everything. This includes itemized bills, doctors’ notes, lab reports, and receipts for medicine and other medically necessary items. The more proofs you have the better it is when filing claims. The travel insurance provider will require all this information when you reach back home.
Need Quality Travel Insurance?
at 6 May 2020
Will you be traveling abroad this spring break or during the summer? Having travel insurance is imperative to take care of potentially costly expenses due to an unforeseen medical emergency. It’s also important to be aware of your policy details including the number to call in case of an emergency. Not being prepared with the necessary information could lead to hassles for your family or time sensitive delays if you need to be hospitalized overseas.
If your plans involve a hiking, skiing, or any activity that involves significant physical activity, strongly consider having a checkup done before leaving . You can also checkout our DOGTAG® branded plans that cover adventure sports here. You should also have your insurer’s telephone number readily available and policy details like your policy number.
Travel insurance companies will typically extend two types of insurance claims: Cashless Facility or Reimbursement Facility, and it’s important to understand how these differ. In a Cashless claim, the customer or a representative from the hospital can contact the emergency line mentioned on the insurance policy to register a claim, which will be validated by the insurance company’s Assistance Service Provider. Should the claim be payable, the due authorization will be given to the hospital and the Provider will take care of settling the bill with the hospital.
In a Reimbursement Claim, the customer or a nominee contacts the emergency number on the policy and registers their claim on the date of the incident. The insurance company’s Assistance Service will validate the policy, acknowledge the claim, and provide the number for the claims registration. There will likely be a specified timeline to submit the claim supporting documents to the insurance company. If and when the claim is approved, the amount will be paid by the insurance company to the customer or nominee.
If you have questions about what kind of coverage you may need, please visit our website and use our live chat feature or just give us a call at 888-301-9289! We would love to help you find a perfect plan for your trip.
Founded in 1998, Trawick International is a full service travel insurance provider specializing in protecting travelers of all types around the world. We offer a variety of travel insurance plans designed specifically by types of coverage, including comprehensive travel protection insurance, international travel medical insurance, visitor’s insurance, and international student insurance.
Our company mission is to deliver superior travel and medical insurance products which offer the best 24/7 emergency assistance services available. To become a Trawick International partner call 888-301-9289 or email firstname.lastname@example.org.
By Emily Glen
at 21 Jan 2019