Know Your Plan & Ask Ahead of Time
Keep Copies of Your Records and Important Information
Consider Travel Insurance
If you’re not confident your insurance plan will cover all potential emergencies, consider purchasing additional travel health insurance. Make sure to choose a plan that covers medical emergencies and associated expenses, like prescribed medications or crutches for your bum knee.
Many travel insurance policies will also come with coverage for lost luggage or a delayed trip, which could also come in handy while traveling abroad.
In many cases, a Health Savings Account or even Flexible Savings Account will reimburse most medical expenses incurred while abroad. However, while Harry and I are both big fans of HSAs, you still need to check with your insurer before assuming anything.
After my knee accident, I tried to have associated medical costs (namely, pain meds and a knee brace) reimbursed through my FSA. For some inexplicable reason, only half of my expenses were reimbursed, and then I lost access to the money because it was the end of the year. Fail-fail on my part. Ever since then, I’ve been extra cautious when traveling.
While you can’t avoid medical emergencies abroad, you can prepare and maximize your ability to be reimbursed for medical expenses abroad.
Have you ever needed medical assistance while abroad, and were you reimbursed?