July 04, 1999|By DAWN FALLIK | DAWN FALLIK,SPECIAL TO THE SUN
Amy Rossmark has a advancement plan in case her wallet disappears during her cruise to France this month.
She’s able for the bitchy weather. She has her map apparent with acceptable areas and bad areas of Paris. But if Rossmark, 30, of Columbia, gets sick, absolutely sick, she ability not acquire any assurance net at all.
Health affairs may not awning doctor visits or hospital stays abroad, and biking experts abhorrence too abounding travelers don’t apperceive about the missing advantage until they acquire the bill in hand. Some affairs won’t awning health-care costs for bodies traveling aural the United States.
“Most bodies are traveling for a abbreviate time, and they aloof cycle the dice and plan for aggregate to go accomplished for a anniversary or so,” said Nick Stat, administrator of Round the World Biking in Baltimore.
And best of the time, tourists appear aback aloof fine. A majority of beyond ailments aftereffect from abnormal foods or bubbler baptize and can be handled with over-the-counter medicines, biking experts said, but added advantage can’t hurt.
Rossmark said she aloof affected her BlueCross BlueShield plan covered her during her travels. But that’s not consistently true, said Debbie McKerrow, a administrator at Carefirst BlueCross Blue-Shield, which handles behavior in Maryland, arctic Virginia and Washington.
“When bodies are traveling and they acquire concerns, we get them in blow with a affairs alleged BlueCard WorldWide,” she said. “But alike there, some countries, you appearance the agenda and you’re fine. Some hospitals acquire agreed to acquire it and some don’t.”
Even those activity for a abbreviate breach should be prepared, said Evelyn Hannon, editor of Journeywoman, an online biking annual for women (www.journeywoman .com).
“Hopefully, bodies are cerebration about it, but I admiration if they absolutely do,” she said. “Even activity beyond the bound from Canada to the U.S. for one day, if you acreage in a hospital afterwards insurance, can you allow it?”
Pregnant woman and earlier travelers decidedly charge to apprehend the accomplished book of their allowance advantage — and accurately ask about their altitude back affairs biking insurance, she said. Finding the appropriate affectionate of allowance is additionally important; it won’t do any acceptable to get added advantage that does not accommodate claimed aircraft accidents if application the aircraft is a above allotment of the vacation, Hannon said.
Those traveling to developing countries may appetite to accompany their own needles, she warned, because sterilization isn’t consistently automatic.
Although Hannon said it cannot aching to be too careful, abounding fears go unfounded.
“I had a acquaintance who had a abortion in Tunisia and anticipation she would acquire to acquire a claret transfusion,” she said. “Everyone actuality was actual worried, but she said she acquainted her hospital affliction there was bigger than a lot of what’s actuality in North America.”
That wasn’t the case for Valerie Fudge. During a cruise to England in 1990, she aching her bottom while benumbed a bicycle. Because she was alive in London with a apprentice assignment permit, she was covered beneath the country’s bloom plan.
“When I went to the clinic, she advised my foot, but didn’t booty any X-rays,” said Fudge, 28. “She didn’t anticipate I had burst anything, but she aloof anticipation I should abrasion a metatarsal support.”
But Fudge, again an undergraduate apprentice at Virginia’s James Madison University, had absolutely burst a bone, and back it wasn’t corrected, it healed improperly, causing a abundant accord of pain. Two years afterwards her trip, she had an operation to actual the break.
“A doctor actuality didn’t t the breach either, alike back he looked at the X-rays. So I don’t apperceive what’s worse, not to acquire taken X-rays in the aboriginal place, or to booty them and not t the break,” she said.
Although acceptance tend to booty best trips because they acquire best summer vacations, alone about a third alike analyze about bloom insurance, said Shannon MacDowell, a catch abettor at Council Travel, a civic apprentice biking bureau based in Boston.
“It’s mostly alone the earlier ones who ask [about bloom insurance],” said MacDowell, 23, who declared “older” as ages 25 to 35. She said accepting ailing wasn’t article she advised during her own campaign to Scotland, Kenya or Barbados.
“In Kenya I did get sick, but it was aloof added or beneath awe-inspiring aliment sickness,” she said. “I aloof took Sudafed or some over-the-counter medication and I was fine.”
The bureau encourages acceptance to acquirement an International Apprentice I.D. card, which has emergency allowance for hospital costs. Those absent to acquirement advantage for doctor’s visits or cruise abandoning allowance charge buy added advantage from addition company, MacDowell said.
Hannon, of Journeywoman, the online magazine, said generally the affliction affair about accepting ailing while traveling is not alive a acclaimed doctor or hospital.
She acicular to a new online account for women that connects changeable travelers with beyond association in times of emergency (www.hermail.net).
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