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The consideration of change in how health care is delivered is a new road with an intersection of need, health care, travel and competition

Your friend mentions that they shop at a new store because the pricing and quality is better. When you get in your car to drive to the store and purchase your groceries you follow the same routine that you follow on a regular basis. The thought of going past your old grocery store to a different store at a lesser cost and higher quality comes to mind, but it is a longer drive and you have never been in that store before.

This same concept applies to health care, hospitals, and physicians, you feel comfortable with your past ways and familiarization. To go outside this normality seems like a lot of unnecessary effort. If you have no other choice because of the cost, lack of access or treatment specialty the concept of medical travel is more appealing.

Health care reform is going to inspire physicians, health systems and hospitals to look at alternative ways of delivering their medical product,” said Nick Christos, Chief Marketing Officer of Elite Underwriting Insurance (one of the largest providers of reinsurance and stop loss to self funded employers, in a interview with the Medical Tourism Association.

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The question is often asked – should I purchase extra travel insurance if my charge card offers travel insurance – often at no cost.

It never hurts to be careful and cautious. The costs of travel for medical care are not small. Often you we will be traveling to non tourist spots at off peak – but high travel costs.

It is not as if you can pick your time of illness or treatment. During peak tourist seasons a traveller can often pick up deals on charter flights and lodgings. Not so in many cases of medical tourism. On top of that your return may be delayed due to complications or delays in treatment. That charter flight with its deal price is not going to sit on the runway for you , or your loved one who is seeking medical treatment abroad.

Often your air tickets may be non refundable as well. Cancellation and interruption travel insurance may be more than a good idea. Does you charge card insurance cover it . Do a thorough job of research. It is best to do the original insurance contract . This may be available online freely or you may have to ask the credit card company for it – this can be done by a toll free number or mail. Best to stay away from the glossy brochures that you will find at your financial institution – they may not comprehensive or legally binding. For valid legal reasons it is always best to go to the actual contract .

One last point. Often travel insurance does not cover ” preexisting conditions”. For example if you or your loved one is travelling for cardiac treatment and you run into problems or delays due to treatment for the cardiac conditon, then under these clauses the insurance company can deem the illness as preexisting and therefore not have to pay you for the claim to reimburse the extra airfare you incur.

It is always best to ask beforehand . As well receive all answers in writing . Retain these documents in a safe place for ready access.

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