Travelers with the following special circumstances need to be especially certain about the extent of their coverage.

• Those traveling with children.
• Those with chronic medical conditions.
• Those who are elderly.
• Those engaging in extended travel.

Tips on Insurance Coverage During Travel

Check your health insurance policy to determine your out of town coverage. Find out if your company:
• Has telephone hotlines, to locate English speaking doctors and contact relatives.
• Provides emergency evacuation back to the United States.
• Will replace lost prescription medications.
• Will fly a family member to be with the insured person.
• Covers the cost of your trip if it's cancelled for medical reasons.
• Covers chronic health conditions.
• Excludes third trimester pregnancy travel.
• Excludes sports related injuries, such as a skiing or diving accident.
• Requires you to pay doctor and hospital fees and then reimburses you later.
• Covers medical expenses incurred while traveling outside the U.S.A., Canada, and Mexico. (Medicare does not).

Supplemental Insurance

In addition to your regular health insurance, other sources are available:
• Senior citizens with medicate can get supplemental insurance.
• Some credit cards offer traveler's insurance as part of their membership.
• Some traveler's checks offer traveler's medical insurance.