Q: Should I buy travel health insurance?
A: The answer boils down to one question: Are you willing to spend a little money now for peace of mind later? It’s a must if you are planning an extended trip in the developing world. First-world weekend jaunts? Less likely you’ll need to be airlifted out—unless you’re pushing yourself on a mountain biking trip or planning some hardcore Alpine ascent.
Travel health insurance—supplemental health and accident insurance—(not to be confused with travel insurance, which covers your travel investments like payments for tours, cruises, airline tickets, etc.) guarantees free or discounted medical treatment overseas. Plans vary; some offer services like phone calls to consult American doctors or flights home in the case of serious problems. Prices depend on length of stay, age and other risk factors, but typically range from $80 to $150 for three months.
Choosing among many carriers can be difficult. Check out HTH Worldwide (hthworldwide.com) to view their student-specific plans, or the alternatives offered at Compton Insurance (comptoninsurance.com). Odds are you’re more likely to get seriously hurt on the drive to the airport than while traveling in a foreign country, but finding yourself on the wrong side of the odds can be a painful and expensive predicament. Just read Mary Hollendoner’s article “I’ve Fallen in a Foreign Country and I Can’t Get Up!” to get a first-hand account of how terrifying sustaining a serious injury abroad can be. Plan for the worst, but hope for the best. —RM
Got a travel question you’re too ashamed to ask your world-weary pals? E-mail newbie@studenttraveler.com!