Travel insurance
Even if you are fit and healthy, don’t travel without health insurance – accidents do happen. Declare any existing medical conditions you have – the insurance company will check if your problem is pre-existing and will not cover you if it is undeclared. If you’re uninsured, emergency evacuation is expensive; bills of over US$100,000 are not uncommon.
Find out in advance if your insurance plan will make payments directly to providers or reimburse you later for overseas health expenditures. (In many countries doctors expect payment in cash.) Some policies ask you to call back (reverse charges) to a centre in your home country where an immediate assessment of your problem is made.
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