Tips & Resources

Where Travel Insurance Ends

By , Ingle International

By Kathleen O’Hagan, Ingle International

You’re on vacation. Everything is going wonderfully—you’ve got your trusty language book, your SPF 30 sunscreen, and the right travel insurance for your needs—until suddenly, disaster strikes.

And although we’d all like to think we’re immune to unexpected emergencies while on vacation, the reality is that we live in an unpredictable world. Imagine this: You live through a robbery at gunpoint, a natural disaster, or a serious accident. Your trip is derailed, you’re hurt, and you’re likely in a state of shock. Good thing you have travel insurance to cover emergency medical expenses and help get you back home! But what do you do once you’ve returned and that shock you were feeling isn’t wearing off?

Does travel insurance cover post-traumatic stress disorder (PTSD)?

For many individuals who have experienced trauma, post-traumatic stress disorder (PTSD) is a condition they will need to overcome once the initial event has come and gone. An anxiety disorder that can result in symptoms such as flashbacks of the traumatic incident, nightmares, and an inability to function regularly, PTSD is not a condition to be ignored or taken lightly. But, once a traveller is back from their trip, whose responsibility is it to coordinate, provide, and even cover the costs of ongoing support? By definition, not the travel insurer.

While the right travel insurance is an essential part of any trip, there can be a limit to what is covered. So what does a purchase as low as $25 (for a healthy individual travelling for approximately two weeks) actually cover? Travel medical insurance plans are primarily designed to cover the immediate medical expenses for emergencies outside of your province or home country. These plans can also provide other valuable benefits and resources, such as coverage for emergency transportation and emergency assistance services, but once back home*, travel insurance no longer applies. For the most part, once a trip has ended, travel insurance comes to an end too.

Any other options out there?

With that in mind, you may wonder if after-trip travel coverage is too good to be true. For the most part, it is. But if you’re looking for something more, something new, something that’s with you wherever you are, you may be looking for an assistance company like Intrepid 24/7.

The only holistic assistance company designed with every type of traveller in mind, Intrepid 24/7 is there for you before you board the plane, during your travels, and once you’ve landed on home soil. No matter where you are in the world, no matter what type of emergency, highly trained medical, security, and emergency assistance experts are available to help:

  • anyone travelling anywhere in the world
  • before, during, and after a trip
  • on the web, over the phone, through mobile apps, or on the ground

So what does this mean for those living with PTSD?

It means they will not be left to fend for themselves once they’ve returned home after a traumatic experience. With Intrepid 24/7, those with PTSD will be directed to:

  • The proper care, whether a community support group, mental health facility, or counselling professional
  • Over-the-phone support with our compassionate specialists (if requested, these specialist will create and send members a useful information packet)
  • Handy online tools, like Intrepid 24/7’s online doctor search, to help put them in touch with the right health care professional for their needs
  • Financial aids and resources, as necessary**

At Intrepid 24/7, we go the extra mile when you, your clients, or members need it most. Sound too good to be true? That’s Intrepid 24/7 for you.

*In special circumstances, where an individual is residing abroad for a significant period of time, they may no longer qualify for government health benefits in their country of citizenship. In this case, they would be considered an expatriate, and may require travel insurance to cover them while in their country of citizenship.

**If you have home country coverage under your government’s health plan, or if you are covered under private health insurance, in many cases you will not be required to pay for the services you are seeking.