Health insurance is always a good idea even when you arent traveling. However general health insurance may not be adequate for a travelers needs and special travel insurance can be very expensi Golf Travel Insurance ve for longer trips (over a month).
Before going abroad, learn what medical services your health insurance will cover overseas. If your health insurance policy provides coverage outside the United States, REMEMBER to carry both your insurance policy identity card as proof of such insurance and a claim form. Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.
There are a wide variety of policies available and you will need to do your own research and check your own personal policy. Check the small print. Some policies specifically exclude 'dangerous activities', including scuba diving, motorcycling and even trekking. If you plan on participating in such activities then you will need to adjust your policy. Check if the policy covers ambulances or an emergency flight home, if not you may want to buy additional emergency evacuation insurance.
Many travelers have suggested keeping your existing health insurance policy for catastrophic illness, instead of getting a new one especially for travel. You can then "self-insure" for any treatment you need while traveling. The treatment in most Third World countries is very basic and inexpensive. If you need major treatment you will probably want to come home. You can buy evacuation insurance to get you back home since this can be a huge expense in an emergency situation.
If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in locating appropriate medical services and informing family or friends. If necessary, a consular officer can also assist in the transfer of funds from the United States. However, payment of hospital and other expenses is the responsibility of the traveler.
The international student-travel policies handled by STA Travel and other student travel organizations are usually considered to provide good value (http://www.sta-travel.com/).
International SOS Assistance
331 North Bridge Road
#17-00, Odeon Towers
Telephone: (65) 338 7800
Champion Insurance Advantage
|Travel Guard International
Worldwide Medical Insurers
There are companies that deal with specific insurance for Divers and cover diving-related injuries which many policies don't cover.
Divers Alert Network
PADI Diver Accident Program
Diver Security Insurance