102nd CONVENTION
102nd CONVENTION
July 13–16, 2017
Paris 2017

Travel insurance by Seven Corners

Why Travel Insurance?

 

Travel medical insurance makes a difference – a real-life story of a Seven Corners Insured.  

While traveling in Peru, Lawrence G’s daughter suffered severe injuries in a bus accident, which left her on a ventilator with one functioning lung and a severely broken arm. Her physician in Peru recommended she return to the U.S. immediately for specialty thoracic surgery.

What about the cost?

In this case, the evacuation cost was $76,000. Many people would not be able to make a payment this large. It’s also possible that without travel assistance services, the evacuation may not have occurred.

Outcome:
Seven Corners Assist quickly arranged an emergency medical evacuation to return Lawrence’s daughter to the U.S. where she received the recommended surgery and recovered well!
For a few dollars a day, travel medical insurance can make a difference in your health and your wallet.
 

What happens when you travel abroad without travel insurance?


In August of 2016, Dixie Stinson of Lafayette, Indiana was visiting Mexico for her granddaughter’s wedding when she suffered heart problems which resulted in two emergency surgeries. The hospital required her to pay upfront for treatment, so she used credit cards to pay approximately $50,000. The hospital then demanded another $53,000 before agreeing to release her. At this point, her congressman got involved, and ultimately she returned home safe and sound but not without serious financial implications and memories of the frightening situation that occurred during her trip.  Read more here.
  
Paris hospitals will require foreign visitors to pay upfront for services.

According to “The Local,” foreign visitors to Paris will be forced to pay upfront for treatment in hospitals. This is due to the large accumulation of unpaid bills for treatment that Paris hospitals have provided to visitors. The United States is listed as one of several countries that represent a large percentage of the total amount unpaid.

If you are planning to attend the 2017 convention in Paris, consider purchasing a travel medical plan with medical benefits. Contact Seven Corners Assist to find a physician and/or hospital that is part of our international provider network. We have direct payment agreements with many of our providers which means you will not be required to pay for treatment upfront. You can visit us here to learn more about finding a medical facility. 

Do you know if your health insurance in the U.S. travels abroad with you?

 

Medicare Stops at the Border
• Medicare does not typically provide coverage outside the U.S., with the exception of a few specific situations for Mexico and Canada.
• Some Medicare Advantage plans and Medigap policies provide limited coverage. Check with your insurance provider and/or read your policy to find out what type of coverage you have.  

Private, Public, Individual, or Group Plans
• Some plans provide coverage for emergencies while traveling, and others do not. Speak with your insurance provider and/or read your policy to understand your coverage. 
• If emergency care is provided, it must match your provider’s definition of an emergency. You and your provider may not agree on what is considered an emergency.   

Health insurance in the U.S. does not include important travel benefits.
• Domestic plans typically do not offer non-emergency benefits for travel nor do they cover emergency medical evacuations and repatriations.
• Domestic carriers may not have the ability to provide services in multiple languages and currencies.

Consider the following:

According the World Health Organization, over 1.2 million travelers are injured each year in auto accidents, and there are over 300,000 drowning and impact injuries each year worldwide.
Recent Natural Disaster events such as: Earthquakes / Typhoons / Hurricanes / Tsunamis
Continued outbreaks of the Zika virus, Swine Flu, Avian Flu, Malaria
Current unrest due to War, Terrorism and Political Unrest

 

Still don’t believe you need travel insurance?


The U.S. Department of State recommends purchasing travel insurance in section four of their Traveler’s Checklist, entitled, Get Insured: 

• Make sure you have health insurance whenever you are traveling abroad. If your U.S. health care plan does not cover you overseas, consider buying supplemental insurance to cover medical costs and emergency evacuation. Foreign hospitals and doctors often require payment in cash, and an emergency medical evacuation can cost up to $100,000. Social Security and Medicare do not provide coverage outside of the United States.