Whenever you are on vacation, it is always better to have travel health insurance to be on the safe side. New places, new climatic conditions, and many unknown situations are part of every vacation. Being prepared for such situations is always a good idea, whether it’s a solo trip or a family one.
You can enjoy your vacation much more when you have insurance to cover you.
Reasons Why Everyone Should Have Travel Insurance When On Vacation
Flight Cancelation
Trip interruption coverage will be beneficial if your flight gets canceled for some reason.
Trip Cancelation
If for some reason you have to cancel your trip, then trip cancellation coverage will help you recover the expenses you have already made.
Bad Weather Conditions at Destination
In this case, travel insurance protection for weather damage will cover you.
Sickness or Injury During a Vacation
With travel medical coverage, you can get yourself treated at good hospitals in your holiday destination without paying hefty medical bills.
Baggage Delayed or Lost
Airlines might lose your baggage or it may get delayed. For such situations, you would have coverage for delayed and lost bags.
Passport Lost
This can be a major problem when in another country. With travel insurance, you might not face as many problems after losing your passport.
Emergency Medical Evacuation
In case of serious medical conditions, if you have to return to your country, then medical evacuation coverage is what you need.
In any of the cases listed above, you can get insurance to cover you at reasonable cost from AXA Travel Insurance. Check their prices by clicking the link below:
Panama Travel Insurance
Tourism is very crucial for the people of Panama. The country earns a large amount every year through tourism activities. Multiple exotic locations attract thousands of tourists around the year, so the government takes all possible steps to attract more people. One such policy is free travel insurance.
Tourists in Panama get free travel insurance from the Panama government for the first 30 days of their trip, which is long enough to cover your full vacation.
Once you land in the country, you will receive a brochure regarding the free coverage at an immigration checkpoint. The free insurance offered by the government covers medical treatment, delayed flights, lost or delayed luggage, and many other circumstances.
If you are staying in the country for more than thirty days, then it would be best for you to get insurance from a third party. The Panama government doesn’t cover medical bills for all types of ailments. Hence, people with medical conditions should consider specialized third-party coverage.
Medical Coverage In Panama
A few years back, the Panama government provided total free medical insurance that covered all bills for the tourists of the country. However, people started to misuse this free medical coverage. Many would visit Panama for costly health treatments only and get covered by this medical insurance. So the government decided to alter the scheme, and now the Panama government provides coverage only for certain ailments. This has reduced the misuse of free medical coverage.
For those who rely on Medicare for their prescription medication and hospital bills, know that Medicare will not cover your costs overseas. In Panama, if you are injured or fall sick, then Medicare will not look after your expenses.
So, it is advisable to always carry any medication for your pre-existing medical conditions when on vacation.
There are multiple specialized third parties that provide medical coverage when you are on vacation. You can get one when you visit Panama, too.
Why Should One Get Medical Insurance?
Some basic facilities you will get with travel health insurance:
● You will get reimbursed for emergency medical care.
● You will get reimbursed for emergency dental care, in case you have an accident.
● You will get prepaid ambulance services or any other transportation facility to medical institutes.
● For transportation to the best medical care facility, you will be covered.
● The whole family will get benefits in case of accidental dismemberment or death.
● Travel assistance will be available 24/7. You can always reach a representative for any type of assistance you need in case of emergencies.
Third-party coverage may be costly, but it really brings peace of mind and you can enjoy every bit of your trip without worrying about being uninsured or unprotected. The cost of medical insurance will mainly depend on three factors:
● The duration of your trip
● The age group to which you belong
● The medical and evacuation coverage that you choose
Before buying any of these insurances, review their policies thoroughly. Since this requires you to invest a pretty large amount, it is always better to have all relevant information first.
Top Travel Insurance Companies To Secure Your Panama Vacation
Although the government in Panama provides free coverage for 30 days, it is always better to know of some third-party companies that provide great coverage when you are on vacation overseas.
- Generali(more coverage at less cost)
- USI Affinity(best for inexpensive coverage)
- InsureandGo(best for cruise covers at reasonable prices)
- Allianz Global Assistance(claiming process is easy with this company)
- Seven Corners(best for emergency payouts)
- Heymondo(best travel insurance for long term at cheap rates and for multi-trip)
- InsureMyTrip(best for comparison and great health insurance scheme)
- World Nomads(great for backpackers and adventurers)
- Tokio Marine HCC(best insurance for the elderly)
- Allianz Travel Insurance(best travel insurance when traveling with kids)
- AXA Assistance USA(best travel insurance if you are U.S. citizen or resident)
If you are a citizen or resident of North America, check out AXA Assistance USA Travel Insurance since they offer the best coverage for your trip to Panama. For either business or pleasure, they got you covered. I use them every time I go on a visit to Panama. You can check they price below:
Hospitals In Panama
Panama is known for having the best medical facilities in Central America. So, if you fall ill or get injured while vacationing in Panama, there is nothing to worry about, as you are in the best hands.
If you are being covered by the Panama government for your vacation, then there are certain health issues for which you do not need health insurance. Also, health care is affordable in this country. Many tourists don’t even get any insurance considering the cheap medical facilities in this tropical country.
Panama currently has three health care systems, two government, and one private. Doctors work in both the private as well as public systems and they have been mostly trained in the U.S., which is another reason for such good medical facilities.
However, it is only the capital city of the country that has the finest services. The medical facilities in rural areas are not very reliable for tourists. Hence, your location in the country is a factor that decides what treatment you get.
Major Hospitals In The Panama City
- Centro Medico Paitilla – Known for having the best Oncology unit. It is affiliated with the Cleveland Clinic.
- Clinica Hospital San Fernando – It helps tourists who don’t speak Spanish. It is affiliated with three major U.S. hospitals.
- Hospital Punta Pacific – Affiliated with Johns Hopkins in Maryland, which is popular in the U.S.
- Hospital Nacional – It is run by American Hospital Management and affiliated with a medical center in Florida.
All of the above mentioned hospitals conform to U.S. standards, are nice and clean and most of the doctors speak fluent English, so you will be very pleased with the overall experience if you need to use their services. And you can get the insurance just in case, which will protect you from the medical bill, which will conform to U.S. standards as well.
Conclusion
Your vacation will be a memorable one when you can enjoy every part of it without worry. Therefore, travel health insurance is important when you are on vacation so that you can explore the country and experience its culture. Don’t be irresponsible and go to a place far overseas without it!
Hot Spots In Panama:
