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Traveling can be exciting, but it also comes with its own set of risks, especially when it comes to your health. That’s why having travel insurance is essential, and one provider you may want to consider is Blue Cross Blue Shield (BCBS).
What is BCBS Travel Insurance?
BCBS Travel Insurance is coverage offered by Blue Cross Blue Shield to protect you and your family when you’re traveling outside your home country. The insurance has several benefits, including medical coverage, emergency medical evacuation, and trip interruption/cancellation coverage.
With BCBS Travel Insurance, you can travel with peace of mind knowing you have protection against unexpected events that can disrupt your trip, such as sudden illness, accidents, or trip cancellations.
What Does BCBS Travel Insurance Cover?
BCBS Travel Insurance provides several types of coverage to protect you while traveling, including:
- Medical Coverage: This covers the cost of medical treatment if you become ill or injured while traveling. It includes hospitalization, emergency medical treatment, prescription drugs, and medical evacuation if necessary.
- Emergency Medical Evacuation: This covers the cost of transportation to the nearest medical facility if you become seriously ill or injured while traveling and need to be evacuated to a hospital.
- Trip Interruption/Cancellation Coverage: This covers the cost of your trip if it is interrupted or cancelled due to unexpected events, such as illness, injury, or death of a family member.
- Baggage Coverage: This covers the cost of replacement if your baggage is lost, stolen, or damaged during travel.
- 24/7 Assistance: You can access a 24/7 assistance hotline for help with medical or travel-related emergencies and assistance in finding medical care.
How to Purchase BCBS Travel Insurance?
There are several ways to purchase BCBS Travel Insurance, including:
- Through the BCBS website: You can purchase travel insurance directly from the BCBS website.
- Through a travel agent: Many travel agents partner with BCBS to offer travel insurance to their clients.
- Through a BCBS insurance agent: If you already have health insurance with BCBS, you may be able to add on travel insurance to your existing policy.
How Much Does BCBS Travel Insurance Cost?
The cost of BCBS Travel Insurance varies depending on several factors, including your age, destination, travel dates, and coverage options. Generally, the cost of travel insurance is a percentage of the total trip cost.
When purchasing BCBS Travel Insurance, you’ll have the option to select the coverage that best fits your needs and budget.
Is BCBS Travel Insurance Worth It?
Whether or not BCBS Travel Insurance is worth it depends on your individual circumstances. If you’re traveling outside your home country, especially to a remote location or a country with limited medical facilities, it’s a good idea to have travel insurance.
In the event of an emergency, travel insurance can save you thousands of dollars in medical costs and provide you with peace of mind while traveling.
The Bottom Line
Travel insurance is an essential part of any trip, and BCBS Travel Insurance is a great option to consider. With its comprehensive coverage options and 24/7 assistance, you can travel with peace of mind knowing you’re protected against unexpected events.
FAQs
1. What is the difference between travel insurance and health insurance?
Travel insurance covers medical emergencies, trip cancellation/interruption, lost luggage, and other travel-related issues. Health insurance typically covers ongoing medical expenses and preventative care in your home country.
2. Will BCBS Travel Insurance cover pre-existing conditions?
BCBS Travel Insurance does not cover pre-existing conditions. However, some policies may offer coverage for acute onset of pre-existing conditions, meaning a sudden and unexpected recurrence of a pre-existing condition.
3. Do I need to purchase travel insurance if I have health insurance?
It’s a good idea to purchase travel insurance even if you have health insurance. Health insurance may not cover medical expenses incurred while traveling outside your home country, and travel insurance provides additional coverage for unexpected travel-related issues.