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Personally, I like to make sure I have some sort of medical coverage when I’m traveling overseas. Certain U.S. based health insurance policies do provide coverage, and a couple of my credit cards also provide emergency medical evacuation, but I like to have my bases covered. I use various cards for various travel purposes, and I have a sneaking suspicion that if there is a reason for that Emergency Medical Evacuation to not be covered, the credit card company will find it. I’m currently traveling in Australia. My pretty sure my Health Insurance will actually cover me while I’m here, but there are exclusions, and I have to submit for reimbursement, etc. So rather than jump through all those hoops, I aimed to purchase travel insurance before I left. The first night in Sydney as I was falling asleep, I realized I hadn’t done it. Crap! I usually use Allianz for travel insurance and quickly did some research. I was pleasantly surprised to find that you CAN buy travel insurance after you’ve departed.
OneTrip Emergency Medical is a great option if you’ve left on a trip, forgot to get insurance, and are looking for a way to have coverage in a foreign country. Here’s a list of the benefits included post departure.
Medical was my primary concern
While it may suck to lose a bag, get delayed, or lose a hotel deposit…getting hit with a life threatening illness or a huge medical bill while abroad was my primary concern. 3 years ago, while in South Africa my mother fell in the hotel room, and ended up breaking her wrist. Her travel insurance not only reimbursed her for all medical expenses while in South Africa, it also covered the bills in the States, including Physical Therapy.
I picked up the Post Departure Covered through Allianz for $76. It covered me for for 17 days. I ended up adding my girlfriend on to the policy for just $14 more. Hopefully neither of us will have to use the insurance, but we rest easier knowing it’s there if needed.