Will my health insurance cover me in another country?

You have saved and planned for years and now your trip outside of the United States is finally approaching. One never likes to think of negative things but traveling to an unknown place can be a bit daunting and the thought of having an accident or getting ill while far away from home is scary. Among the thoughts that may have crossed your mind is whether or not your health insurance will cover you in another country. This is certainly a legitimate concern and one that the knowledgeable team at The Smith Insurance Group Inc. of Sandy, UT is qualified to discuss with you. 

The answer to the question will my health insurance cover me in another country is not as simple as yes or no. It is more like probably but it is important that you check with your particular health insurance provider to get the exact details. Most policies will cover an emergency but their definition of what constitutes an emergency and yours may not be quite the same. Another thing that needs to be discussed is whether you are required to pay the medical expense upfront and then apply for reimbursement from your provider when you return. If you need to be brought back to the United States for care, it is more likely than not that this will not be covered under your health insurance. 

When you are planning a trip outside the United States it is a good idea to check with your credit card company to find out if they offer travel benefits. You may find that they will pay for evacuation if needed. If not then consider taking out a travel health insurance policy that provides the coverage you need. 

Before you take your trip, give the office of The Smith Insurance Group Inc. in Sandy, UT a call to set up an appointment or stop by to discuss your health insurance needs.