Honduran medical treatment is generally inexpensive for common diseases and minor treatment, but if you suffer a serious medical problem or emergency, it is highly recommended you go to a private hospital or even fly home (if your condition allows it). Unfortunately, public hospitals in Honduras are extremely overcrowded and understaffed. Travel insurance can typically cover the costs. Some US health-insurance policies stay in effect (at least for a limited time) if you travel abroad, but it’s worth checking exactly what you’ll be covered for in Honduras. For people whose medical insurance or national health systems don’t extend to Honduras – which includes most non-Americans – a travel policy is advisable. Check out the travel services section of this website for more information.
You may prefer a policy that pays doctors or hospitals directly rather than one requiring you to pay on the spot and claim later. If you do have to claim later, keep all documentation. Some policies ask you to call collect to a center in your home country, where an immediate assessment of your problem is made. Check that the policy covers ambulances or an emergency flight home. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries such as the US, which has extremely high medical costs. There is a wide variety of policies available, so be sure to check the small print.
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