Dental tourism involves people traveling to other countries to have dental work done at a cheaper rate than they can have done at home. This is rapidly gaining popularity in countries like the US, the UK, and Canada where dental costs are skyrocketing.
It is common for dental tourists to save between 60% and 90% which can translate to thousands of dollars. Online facilitators can help connect patients find foreign dental clinics with a sterling reputation, clean facilities, and well trained dentists. In fact, many of the dentists involved were trained in the US or the UK at top dentistry schools. However, the one nagging concern that people often have is what happens if something goes wrong. This concern can be allayed by purchasing dental tourism insurance. Below you will find some of the most commonly asked questions dental tourists have about this type of insurance.
What Is Dental Tourism Insurance?
The purpose of dental tourism insurance is to protect you financially from any unplanned costs that arise during your trip due to unforeseen problems such as a complication during the planned dental procedure(s) or an accident during the trip. Each policy is written for a specific trip and a pre-approved procedure(s).
What Does Dental Tourism Insurance Cover?
Each dental tourism insurance policy is customized for the individual situation. However, items commonly covered in this type of policy include:
1. Additional dental or medical procedures needed due to a complication during the planned procedure. This may be done while you are still traveling or after you return home up to a specified amount of time, usually 3-6 months. There is usually an upper limit to amount that will be covered.
2. Emergency evacuation needed because of a complication during the planned procedure or because of an accident while you are traveling for the planned procedure.
3. Repatriation of your remains should you die during your trip.
4. Accidental death if you die during your trip.
Do I Need Dental Tourism Insurance?
The answer to this question largely depends on whether or not you currently have dental insurance and if your policy covers any complications that could potentially arise once you return. Surprisingly, some dental insurance policies in the United States will cover this. To know for sure, you will need to check the exact terms of your policy with your insurance company. It might be a good idea to get the answer in writing to avoid any misunderstandings. Also, keep in mind that a typical dental tourism insurance policy does include the other benefits commonly included in dental tourism insurance.
Will Dental Tourism Insurance Cover Any Part Of the Actual Dental Work?
If everything goes according to plan, in almost every case, the answer would be no. The purpose of dental tourism insurance is not to pay for the planned procedure but to cover the costs should anything go wrong during the procedure, during the trip to have the procedure, or as the result of a complication once you go home up to a specified time period.
Will My Travel Companion Be Covered Too?
Many dental tourists prefer that someone travel with them for support. This may be their spouse, another family member, or a friend. In almost all cases, the dental tourism insurance can be written to include accidental injury and accidental death coverage for your travel companion during the duration of the trip.
As is true for all insurance policies, it is important to take the time to read the details of your dental tourism insurance policy before you sign it and ask for clarifications on things you do not completely understand. Complications during dental tourism procedures are rare but they can happen. Getting this type of insurance can help put your mind at ease that you will be financially covered in the rare event that anything goes wrong.