Italy, Machu Picchu, Malaysia -- it's summer travel season, and
the sidewalk cafes, the fabled lost cities, the exotic nightclubs are hard to
resist. But travel isn't without its headaches, and life isn't without its
medical disasters. Are you prepared for a broken leg in Bangkok? Gallstone
surgery in Genoa? A midnight face-off with Montezuma?
Face it: If traveling doesn't get you in your wallet, it'll get
you in your head, your heart, your veins, or your stomach. Here's advice to
help you circumvent the worst of worst-case scenarios.
Do you insist on rising at five to run each morning, even when your back is
aching, black ice coats the streets, and your wife beseeches you to stay in
bed? Do you only feel good when you’re training for triathlons? Is eating
merely a way to replenish for the next race? Then you, my Spandex-clad friend,
may have an exercise addiction.
It's a scenario you think far-fetched, until it happens to a
family member. Eileen and a few sorority sisters were in the last days of their
Acapulco spring break vacation -- cruising the sites in a rental jeep -- when a
truck hit them head on. They were lucky to be alive. She woke up in a local
hospital and was told she had two broken arms and a broken collarbone -- though
no X-rays or CT scans were taken.
But Eileen has a savvy daddy. Just months before her accident,
he bought travel medical insurance for the whole family. It's a special type of
policy that can be purchased on an annual or per-trip basis -- and depending on
the policy, covers a gamut of travesties including lost luggage, trip
cancellations, and medical emergencies.
Type "travel medical insurance" into any search engine,
and you'll help find all sorts of similar policies. One offers 13 different
variations, including one called ExPatriot-Plus for U.S. Citizens. The policy
covers six months of travel, emergency evacuation, and air transport to your
home country for $200-$300, depending on the deductible you choose.
But when sizing up such policies, ask lots of questions, says
Phillip Morris, executive vice president of MEDJET.
"Will they bring you to your hospital of choice -- say, in
your hometown -- or will it be the closest U.S. hospital to the border you're
crossing? And if you have a medical emergency in the U.S., will you still have
the option of being transported to the hospital back home?"
Eileen got back to her hometown hospital -- her parents' choice
-- the very next day. "The other girls had another policy ... they were
there until the next week and were evacuated to Houston.