Emergency Insurance With Medical Coverage – 5 Travel Insurance Must-Haves

Travel insurance is something that often gets lost in the shuffle when people start planning for a trip abroad. When it comes to planning such an exciting trip, it is just no fun to think about all of the “what-if” questions, such as, “What if I fall ill or get into an accident while on my trip?” No, it’s a lot more fun to stick to booking your air reservations, making hotel arrangements, and deciding which points of interest you will be visiting.

Still, the savvy traveler knows that their trip will be that much easier to enjoy if they have already made provisions for all of those “what-if” questions ahead of time. In addition to just making smart choices about where to visit and what you will do once you arrive, the best way to buy yourself peace of mind before you travel is through the purchase of travel medical insurance.

Of course, one of the worst-case scenarios that could happen to you while you are traveling abroad is to encounter some sort of an emergency situation. This could be something as common as being involved in a car accident or something as exotic as being bit by a snake or falling off of a cliff.

So, before you embark on your exciting journey, you will want to invest in a very good travel medical insurance policy. When you do, make sure that your policy has a provision for emergency situations.

If you are looking for emergency insurance with medical coverage, here are 5 travel insurance must-haves:

1. Emergency medical evacuation:

Make sure that the policy you buy has you covered for emergency medical evacuation. For example, say you are in a remote part of Italy and you get injured, but the local medical facilities there are not sufficient to treat you. You may need to be evacuated to a larger city in order to receive the treatment you need.

2. Transportation to a local hospital:

Similarly, you will need to make sure that there is a provision for your transportation to a local hospital. Even if you do not require something as extreme as emergency medical evacuation by helicopter, you will almost certainly require transport to a local hospital via ambulance.

3. Repatriation for continued treatment in your home country:

Another policy provision that is wise to ask about: getting repatriated so that you can receive continued treatment at home. This can become necessary if your injury is severe enough to require an extended hospital stay, specialized treatment, or long-term rehabilitation.

4. Loss of checked luggage:

Emergency situations often involve the loss or misplacement of luggage. It is wise to select a policy that will cover you not only for the loss of your luggage, but that will also pay for any incidentals in order to help you get by while you await your luggage reimbursement.

5. Return of mortal remains:

In the extremely-remote chance that you were to die while traveling abroad, you would have done your family a great service by purchasing a policy with a provision for the return of your mortal remains to your home country. It makes no sense to put your loved ones in the position of having to arrange to get your remains sent home during what would be a very difficult time in their lives.

Consider these 5 travel insurance must-haves as you invest in emergency insurance with medical coverage for your next trip.

Healthcare, Air Travel and Interoperability

The healthcare industry is notorious for its severely disconnected practices. Often, a patient finds herself caught in the middle of the shuffle. If you’ve recently received medical care or attempted to schedule a doctor’s visit, you are certainly familiar with the headaches associated with the process. The article “If Air Travel worked like Health Care” from the National Journal, accurately and humorously sums up the issues we face.

As a patient, interacting with the healthcare industry feels overwhelming and disconnected. Unfortunately, we are forced to tolerate a high level of absurdity when trying to complete relatively simple tasks. As a consumer, we would rarely accept such circumstances in any other industry, but it seems when it comes to healthcare, we have limited recourse. Patients seeking care face repetitive lines of questioning and seemingly unending wait times as the entire industry suffers from a lack of interoperability.

The patient in the National Journal article, after being sold a flight departing months past his desired travel date, after he is required to fax in a consent form, and after he must call a separate company to handle his baggage, informs the customer service representative that in a modern system, he would be sold “a safe round-trip journey, instead a series of separate procedures. It would have back-office personnel using modern IT systems to coordinate my journey behind the scenes. The systems and personnel would talk to each other automatically. At the press of a button, once I entered a password, they would be able to look up my travel history. We’d do most of this stuff online.” He’s describing the way most industries operate today, from air travel to banking to freight transportation, all of which are able to successfully communicate between systems, companies and types of data.

This article highlights, in a light-hearted way, the tension created by trying to coordinate answers to simple questions like appointment scheduling or billing inquiries while on the phone with a provider or health plan. All the healthcare stakeholders, patients, providers and health plans, are frustrated by the lack of interoperability and the high administrative costs to accomplish simple tasks like scheduling an appointment.

Providing healthcare in this disconnected manner is expensive and unsustainable. As we look to the future, health systems and health communications will need to be integrated across IT systems, providers, specialist offices, labs and health plans. Data will need to be mobile, secure and efficient. It will need to be accessible when and where it’s required by authorized personnel.

How to Buy a Golf Travel Bag As a Gift

A Golf travel bag is the perfect gift for any golf enthusiast. It helps protect the equipment (an investment) and makes it easier for safe transport and with the functionality also come the various types, sizes, colours, preferences to match ones style.

Golf travel bags can be taken to the course as well as convenient to travel with. So the question is how do you determine what they will like – it all depends on who the bag is for!

A few things to consider that may assist in the end selection:

Clubs that they own

  • This can help in determining how big the travel bag needs to be to accommodate all the clubs and protect them for being damaged. There needs to be enough room to protect the clubs as well as be able to be secure enough so that they don’t shuffle around.

Consider how frequently they travel

  • Do they travel frequently where you may consider purchasing a full hard travel case or a partial soft case for easier storage.

Accessories -what do they normally take with them

  • Everyone has their preference as to what they carry with them on to the course and having them accessible plays into their comfort and enjoyment as well. Example – gloves, shoes, attire, cell phone, water bottle, etc.

Size

  • Determine this factor for the equipment that they own as well as for the transport to and from the place of residence to the car (how well will it fit in the car or trunk of the car), and also to and from the golf course as well as the airport. The convenience also plays into the enjoyment of this whole process.

Weight

  • If the bag is too heavy then the purpose of the bag is not as functional. Will the person be able to comfortably lift it out of the car and move it around – example – if they have a medium body build then they will be able to handle more weight that a person with a slight body build.

Sturdiness of bag

  • Every bag is different in their strength depending on their make and quality. Every year the make and model change as there are new innovations and this enables manufacturers to use newer materials that can potentially be stronger and more lightweight than their previous models.

Style

  • Manufacturers are on top of their game and are always working on coming up with different designs, better quality, enhanced features and styles will vary from year to year.

Cost of the golf travel bag

  • That all depends on you! What is your comfort price, what are you are willing to spend. The cost of the golf travel bag is a reflection of the differences in name brand, quality and features. Hard cases are usually more expensive than soft cases.