Most health insurance coverage include some sort of benefits when you travel to Brazil or anywhere else abroad, but you won’t know for sure unless you ask ahead of time. The last thing you want to discover is that you have no health coverage when you become ill or injured while in another country.
Before you leave to tour Brazil, reach out to your health insurance company and explain that you plan to travel overseas. Ask about the type of coverage you will have when you are out of the country. In some instances, you may be able to purchase additional coverage that provides you with health insurance while traveling internationally.
What to Do in an Emergency
Obviously, if you become suddenly ill or are injured in an accident while you tour Brazil, you should seek immediate medical attention. Most health insurance policies cover overseas emergencies.
But what constitutes an emergency? Insurance companies typically use what’s known as the “prudent layperson” standard. That means if a reasonable person would believe that the situation could lead to death or permanent damage to your health, it likely is covered as an emergency.
So, for example, if you are suffering from chest pains and fear you may be having a heart attack, most insurance companies would cover treatment under the emergency care provision, even if it later turns out to be indigestions. Similarly, such cases as bone fractures, heat stroke, cuts requiring stitches, and even altitude sickness likely would be covered.
Less Serious Health Issues
But unless your insurance policy specifically states otherwise, most insurers won’t cover treatment of minor health problems such as poison ivy, mild flu, and other situations that don’t directly put your life in danger.
It’s important that you always have access to the medical care you need when you need it, even when you tour Brazil. Check with your health insurance provider before you leave to make sure you have the coverage you need.