When you take a short vacation from work, you typically wouldn’t visit a doctor during your trip unless a serious matter had to be addressed. Long-term travelers, however, can’t wait months until their return to seek treatment or a doctor’s opinion. They have to find care on the road or risk that a small issue might turn into a larger one. But even if they have health coverage, the hassle of navigating through their plan’s fine print coupled with trying to find a trustworthy physician in a foreign country discourages some from seeking help.
If you recall, when Mike and I were planning our trip, we divided tasks according to our individual strengths. It was my responsibility to find travel insurance that would also provide us with good medical coverage, and I took this job very seriously. We ended up buying 13 months of insurance through STA Travel, with coverage administered by CSA Travel Protection. There were a variety of reasons this insurance won out against our second choice, but one very nice inclusion was that a one-time payment of up to $1,000 could be applied toward your first in-network physician visit during your coverage period. Naturally, we didn’t want to waste that $1,000 by going to the doctor for the common cold or something that would only use a small portion of that monetary offer. But we’ve also never been the type to run to the doctor for every ache and pain anyway. It would be better, we thought, to put the $1,000 toward what would be a more expensive doctor visit, like to treat a broken ankle or – heaven forbid – something major. Continue reading