For all of the future travelers that have the chance to read this story, I’d hope that after you finish this article, you would extremely consider Travel Insurance coverage!
As a former travel Agent, when I read sad stories about travelers that have poor health-related experiences abroad, it starts to create my stomach turn simply because I’d quickly check all my client files to make certain they have all purchased some form of medical and/or cancellation policies from me prior to their journey.
Nevertheless, when he awoke in the Costa Rica hospital where he had admitted himself, he quickly discovered out that his kidney was removed! This young man’s jaw was never fixed and also the medical physician in Costa Rica claimed a number of of his internal organs were damaged, and out of all the organs that had been injured, they had to eliminate one of his kidneys. Makes you go Hmmm!
Now in my expert opinion, I would classify Costa Rica as a well-liked destination that I would suggest to many of my past clients to go to for their ecotourism and exotic vacation appeal. The issue is that when we suggest these destinations which are glorified as paradises, we sometimes forget to tell them that these holiday destinations do not have health-related amenities that are comparable to North American standards, & also not all facilities operate within the best faith.
All the details about this incident are not proven yet, but the truth of the matter is on this incident, getting the proper journey health-related insurance coverage could have been the difference on this gentleman coming house safely with a fixed jaw and his kidney intact.
How Does Medical Travel Protection Policies Eliminate Situations Like This, You Ask?
Keep this in perspective due to the nature with the incident. The facts are still coming in about this mans occurrence Costa Rican hospital, and I’m not completely particular he did not have journey protection, but in my professional opinion, if he did possess a respected comprehensive travel health-related coverage, I really believe this situation would not have happened.
Here is my explanation that you can apply to having quality health-related coverage. Whenever you visit your travel agent, or decide to book your holiday online, a lot of the agencies and on-line businesses will offer you an insurance coverage policy that’s designed specifically for your journey protection although away from your originating country. Due to a big percentage of your medical costs that might not be covered by the nation you live in, travel health-related emergency policies are there to protect you from the additional expenses that your country will not be covering.
Let’s take this one step further. Although you’re away on vacation, the Travel Medical/Cancellation Company you purchased your coverage from now has a vested interest in your physical and financial safety. However, they also possess a reputation and a financial interest in their business! By saying this, they should make sure that claims which are paid out are legitimate, & aren’t abused by many of the un-regulated foreign medical facilities that treat patients for emergency scenarios.
To control these illegal practices, most, if not all, travel insurance coverage providers (including on-line Insurance companies) establish worldwide relationships with a great number of medical facilities in the tourist areas, & in this relationship, the selected Journey Insurance coverage Company regulates them with very strict rules & guidelines.
This is why it’s important to read the coverage terms and conditions, & understand what is required as the policyholders should follow these terms for their own protection under emergency situations. What many conditions state are that the people who get injured because of an unexpected situation, must contact the insurer prior to admitting themselves to a hospital, or a big percentage of their claim might not be paid.
Now I know many of you may be saying that if you had been not conscious on the time you had been admitted to a hospital, that’s beyond your manage, & you are right! Nevertheless, upon becoming aware, you must at your earliest opportunity advise the Insurance coverage Business exactly where you’re, & if it is not a regulated hospital on their list, they will make arrangements to eliminate you to their preferred health-related facility.
Why Does A Travel Insurance Company Go To All This Trouble?
This is where we continue from the story about the young man that had his kidney removed. Once more, I’m heading by my own opinion & no 1 else, & like I mentioned prior I do not have all the details, but in my profession I strongly think that if this individual had protection with a respected Travel Insurance Company, he would have much more than likely contacted their toll totally free worldwide number, and talked to expert employees which are trained in the medical field.
He would have been directed towards the correct hospital, and when he arrived, upon the instructions with the Insurance employees, he would have passed this info on towards the health-related employees at the Costa Rican hospital. This does 1 of two things, it gives the Insurance coverage Company the power to regulate and make certain that only the essential surgeries are taking place, & because they’re paying the bill, they will ensure that every scenario is medically documented for any future liability.
I can’t guarantee that getting the medical protection would have avoided this situation, but I need to say whenever you get rid of all the risks by working using the Health-related Insurance coverage provider, you have a better chance in walking out of that foreign hospital with the peace-of-mind that you’re not going back house with out all your valuable functioning organs.
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