Experts Advise Adding Travel Health Insurance To Your Summer Trip Itinerary
Experts Advise Adding Travel Health Insurance
To Your Summer Trip Itinerary
By Lindsey Tanner
CHICAGO (AP) â Plane tickets, check. Passport, check. Medical evacuation insurance? Itâs probably something most people donât think about when packing for a vacation.
But Louise Robbins says sheâd probably be bankrupt without it. The University of Wisconsin library educator and her husband, Robby, were in southwest China last summer when Robby slipped and fell backward on a hotel walkway made of the regionâs famed red marble.
Their regular health insurance covered many expenses, but not flying him home on a jet specially equipped for transporting critically ill patients and medical equipment. The cost exceeded $100,000.
âWe would have been lostâ if not for the medical evacuation insurance, Louise Robbins said.
With summer vacation season approaching, experts say there are several ways international travelers can protect themselves against medical emergencies â from registering in advance with the State Department, which can help locate doctors abroad and arrange emergency medical flights to buying supplemental insurance or standalone medical evacuation policies.
Thousands of American travelers each year are flown home with medical assistance because of health emergencies. Car accidents and heart attacks are among the most common reasons.
âAmericans have the concept that when they travel, their health insurance travels with them,â said Dan McGinnity, vice president for North America for Travel Guard, which sells travel insurance.
But most regular health insurance plans donât cover costly evacuations. And finding that out after an emergency can be catastrophic.
A 21-year-old California woman died last year after her insurance company initially said its emergency coverage wouldnât pay to fly her home from China when she developed a blood disorder, according to her familyâs lawsuit. The suit, claiming wrongful death and breach of contract, says the company relented too late. Anthem Blue Cross, the insurer, disputes the claims.
Travelers should check their policies to see what kind of expenses are covered, said Susan Pisano of Americaâs Health Insurance Plans, a trade association. Most will pay for emergency care outside the United States â but for leisure travelers that often doesnât include medical evacuation.
âJust make sure you know very clearlyâ what your policy says, she advised.
The federal Centers for Disease Control and Prevention recommends considering supplemental health insurance, including medical evacuation, if your existing policy is lacking.
According to the U. Travel Insurance Association, another trade group, Americans increasingly have been buying travel insurance; more than $1 billion was spent in 2008. Most covered things like unexpected trip cancellations â disruptions caused by the erupting Iceland volcano have prompted a flurry of recent business.
But growth also has been strong in policies covering medical emergencies and evacuation, the group says.
Short-term policies typically cost about four percent to eight percent of the total per-person trip price. At Stevens Point, Wis.-based Travel Guard, coverage for a $2,000 trip would be about $120.
The travel insurance trade group has a list of member companies on its website, where it also offers tips. The State Departmentâs website also has a link to medical evacuation companies.
Louise and Robby Robbins, longtime travelers, had paid about $250 for a supplemental insurance policy before their China trip.
Robby, a 79-year-old retired college professor, slipped on the rain-slicked marble tile in China on July 21. His head hit the ground, but he got up and seemed OK, so they boarded a tour bus heading into the mountains. Robby quickly became ill, vomiting and complaining of sinuslike pain. No one knew yet that his brain was bleeding.
The nightmare that followed included a trip down the mountain in a makeshift van-ambulance to a hospital where no one spoke English. Doctors drilled holes into Robbyâs skull and removed a huge blood clot. He was flown by air ambulance to Hong Kong for more surgery; then back to the United States.
The supplemental insurance ended up covering Robbyâs multileg trip home, including arranging for several flights with medical experts on board. Robby never recovered, however, and died last December.
Lynda Brunerâs medical emergency last summer almost ended the same way. The sales executive from Bel Air, Md., fell ill with what she thought was heat exhaustion on the last day of a Dominican Republic vacation with friends to celebrate milestone birthdays, including her 60th.
Soon she developed breathing problems and went into cardiac arrest. Doctors revived her, but she remained in a coma for three days.
Ms Bruner awoke at a hospital in Florida, where she had arrived via a medical flight arranged by Medex, the same company that handled Robby Robbinsâ flights. The company arranged for Ms Brunerâs flight with a nurse to Maryland and helped her husband, who doesnât speak Spanish, deal with Dominican doctors.
The expenses totaled more than $15,000, but were covered by health insurance her employer provides â a benefit she didnât know about in advance. Ms Bruner had also bought extra travelersâ insurance.
US doctors found and removed a tongue cyst they thought might have contributed to the breathing problems, and she is doing fine.
âOnce they saw my experience, everybody says they will not go out of the US again withoutâ travelerâs health insurance, Ns Bruner said. Even if you never need it, she said, âjust that sense of securityâ is worth it.