If you want to protect yourself against a possible catastrophe while traveling, you definitely need a special type of insurance. The reality is, most people who purchase visitors insurance do not have to use their policy. Simply put, the majority of people who travel do not get seriously sick or seriously injured. But, for those who do, visitors insurance is the only thing standing between them and financial hardship.
Most likely, your health insurance will not cover you when you travel abroad. When your insurance company refuses to pay doctors and hospitals, guess who is stuck with the bill? You!
Even if you are in good health, don't count on your good health being what will keep you out of the hospital while you travel. For one, no one knows when their body may suddenly show a sign of an unknown disease. Beyond that, there is always the possibility of being involved in some type of accident that would require you to seek medical care; food poisoning, a car accident, a fall down the stairs, etc. You have no guarantee that you will not be the victim of someone else's carelessness. Even something as small as a broken bone would bring about oppressive medical bills.
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