When traveling abroad, health insurance is a topic that may not be as fun to plan as your trip itself, but its still an essential part of well planned adventure.
If you currently have health insurance, you will need to call your insurance company to see if you will be covered while abroad. If your current health insurance company covers you while abroad, make sure they cover medical evacuation, which is typically one of the most expensive aspects of international insurance plans.
If you do not have health insurance, there are several private companies that have affordable plans. If you are based out of the US, the government has put together a list of companies to choose from which, can be found here. Be prepared to give the companies your ore-existing conditions, a list of places your are going to visit, how long you will spend in each location and dangerous activities you will be partaking in i.e.bungee jumping, trekking.
Make sure the plan you choose covers exactly what you need and understand the co-payments. Also, consider choosing a medical insurance plan that has a 24 hour call center.
Once you have your coverage decided, its a very good idea to keep a list of items you will need to get at the hospital if you are injured. Your insurance company will give you a list of items you will need to get in order to make a claim to the the insurance company. Obviously, if you are severely injured you will not be able to gather the items listed below, but if you are able to, its typically easier to get the info when you are at the hospital than once you are home and trying to contact a hospital abroad. Besides carrying around your insurance card, bring a copy of a claim form or a printout of the items needed to make a proper claim: For example my insurance company needs:
1) My Name and Date of Birth
2) Diagnosis from foreign doctor*
3) Procedures and date of service*
4) Name and address of doctor*
5) Name and address of facility*
6) Receipts of payments made converted into USD and exchange rate of date of service*
*All need to be translated into English.
Ive also heard some say insurance is not necessary if you’re going to a country with a socialized health care system. I have personally seen people get free treatment for stitches and other minor ailments, but this is not always the case.