I have heard about travel health insurance, but always wondered if it was worth it. If you are traveling in the United States and you have health insurance than the answer is probably no. However, if you are engaging in a risky behavior, such as rock climbing or skiing and then you may need to evaluate your own health insurance to see what is covered and what is not.
As for foreign trips, some US health insurance carries do not cover medical expenses overseas. The may cover emergency care, but may also require that you spend the money upfront and get reimbursed later. You should find out what your insurance covers before going abroad.
You can buy supplemental health insurance, but be sure to read the fine print. Some pre-existing conditions may not be covered and advanced age may lessen your coverage. Health travel insurance can be purchased for as little as $10 per day with a 7 day minimum. You also may be able to buy the supplemental insurance from your cruise line or travel agent.
