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Health Insurance Insurance When Travelling Abroad Missoula MT

Most of us find that our travel agents remind us about the need for health insurance. That's at least in part because they will get a commission if they sell that to you up-front as part of your travel arrangements.

John Shellenberger
P.O Box 4758
Bozeman, MT
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Company: Estate Conservation Associates
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Franklin & Marshall College A.B.
Stanford University M.A.
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Years Experience: 34
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Ken Shepherd Insurance
(406) 586-4334
3508 LaramieSuite1
Bozeman, MT
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State Farm Insurance - Brad Daws; Agent
(406) 587-4010
1716 West Main St. Ste. 2
Bozeman, MT
 
Affordable Health Insurance
(636) 391-2600
267 Clarkson Executive Park
St. Louis, MT
 
Danette Giono Insurance
(406) 439-6395
1125 Choteau Street
Helena, MT
 
Western Montana Medical Clinic
(406) 883-5680
6 Thirteenth Ave
East Polson, MT
 
Combined Insurance
(406) 885-7783
181 Jackson Peak Dr.
Kalispell, MT
 
Trinity Massage Therapy
(406) 270-8394
1-14th Avenue West
Polson, MT
 
Metamorphosis
(406) 261-9321
302 1st Street W
Polson, MT
 
US Health Group
(406) 696-0586
2305 Constellation trl.
Billings, MT
 
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Health Insurance Insurance When Travelling Abroad

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Insurance When Travelling Abroad

When you are travelling, your insurance needs may be different than they are at home. In some cases, your insurance will only cover you in the US or the country you purchased it. If you want to have the right kinds of coverage while travelling abroad, you should consider your insurance needs and buy beforehand, so that you are prepared in case of an emergency.

Most of us find that our travel agents remind us about the need for health insurance. That's at least in part because they will get a commission if they sell that to you up-front as part of your travel arrangements. However, many domestic insurers in the US won't cover health costs outside of the US! You'll have to check your policy carefully. Some insurers may provide a percentage of costs incurred outside of the US, but not all. Some insurers will provide no reimbursement. Having said that, if you've got good coverage that will provide a reasonable level of reimbursement, you might want to avoid this coverage at the travel agency. It's notoriously expensive as insurance goes. Want travel health insurance at a better price? Try calling your insurance company first and see if you can get a short-term rider through them. It may save you money.

What if you will be driving while on vacation in another country? You should consider getting an international license that identifies you as a licensed driver in your country of residence. Also check with your insurer regarding your insurance policy and whether it provides any coverage abroad. It will likely be more cost effective if your existing insurer will provide you with coverage abroad.

If that doesn't work, you still have options. While you can get insurance from a rental company, it also tends to be very expensive. If you need insurance while driving abroad, consider putting your rental vehicle on a gold card. One of the standard benefit's of a gold credit card is usually rental car insurance.

Then, theres the headache of lost or stolen luggage. Your homeowner policy may cover your belongings, but it's always worthwhile to check if there are limit's to that coverage, or if certain named perils (like loss of luggage due to theft or misplacement) are excluded. You can always ask your insurance agent for lost luggage insurance. Again, it's likely to be less expensive than any insurance that you get through your travel agent.

Another thing to consider is trip interruption insurance. In the recent past...

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Montana State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: acupuncturist, alcohol/substance abuse treatment, autism, breast reconstruction, chiropractor, contraceptives, dependent coverage (including newborns, adopted children, dependent studenst/adults, disabled dependent adults, noncustodial children and stepchildren), diabetes (self-management and supplies), facility (public or other), home health care, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, naturopath, newborn hearing screening, nurse (midwife, anesthetist, practitioner), physical therapist, physician assistant, PKU/metabolic disorder, professional counselor, psychologist, social worker, well child care

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Missoula Adult Asperger Support Group
Dates: 11/24/2011 – 11/24/2111
Location:
1st United Methodist Church Missoula
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