Never authorize any medical health services or tests such as CT scans on your own, once the emergency is over and your condition is stabilized. This is the responsibility of your emergency health service. Make sure that the insurance company covers your claims.

Always carry a list of the medications and major illness along with prescription or doctor’s notes while traveling in a third world. Remember to bring the copy of the prescription if you are going through customs.

Avoid changing insurance companies if you are currently having a medical condition, which is being treated or may reoccur. Otherwise you may not get the benefit for the treatment, as the new plan may not cover the condition because of pre-existing clauses.