If you are going away on business for the first time it is natural to be a little apprehensive, particularly if this is your first business trip abroad and you are going on your own. If you are planning a trip make sure you are as prepared as possible, whether you need to organize things yourself or your employer takes care of the details. One of the best things you can do to protect yourself is to take out international travel and medical insurance.
International travel insurance is essential for business travelers for a number of reasons. Firstly, health insurance policies that are provided by US companies usually do not cover employees if they are traveling outside the United States. If you have a medical problem abroad you won’t be able to call on your health insurer like you normally would at home.
Plus, when you are overseas the medical system is likely to be much different to at home and it may be daunting to try and navigate a strange medical system. An international travel insurance plan usually comes with a toll-free hotline number you can use if you need help. You can find out the treatment options available locally by phoning this number.
Business travelers face a number of health risks when traveling abroad, from the reasonably simple sprains and slip injuries to food poisoning and respiratory problems. If you are traveling for an extended period of time you are even more likely to need to visit a local medical facility, even if it is for a check-up. Make sure your insurance is sorted out before you go – ask your employer whether they are responsible for insurance cover or if you need to arrange it yourself. Then check you have the correct cover for your destination and personal needs.