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A Complete Guide to Travel Medical Insurance

 Travel medical insurance, as the name implies, is for those who are leaving their home country to travel abroad. It provides coverage for any medical emergencies and evacuations that might occur. It is sometimes known as International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance, depending on the company selling it.

Why Is It Important to Have?

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If you’re abroad and have an accident or become ill, the insurance will cover your medical costs. Emergency dental treatment is often included and emergency transportation services are often also covered.

Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive the required medical attention. If you die on your trip, the repatriation coverage will ensure that your body is transported home or to a funeral home nearby. This ensures that your family won’t have to spend thousands to get your body back.

Examples of Why You Might Need Emergency Medical Coverage

• You’re on a business trip and contract a severe case of food poisoning. 
• You trip on a cobblestone street and break a tooth.
• You are traveling in a foreign country and are injured in a fall. 
• You are in a bad traffic accident. 
• You want the assurance of having travel medical assistance services to help you in an emergency. 

What Does it Cover?

The following coverage is typically found in a Travel Medical Insurance Plan:

• Reimbursements for unexpected medical costs due to emergency medical attention. 
• Reimbursement for unexpected dental costs due to an accident.
• Advance payments to medical facilities and emergency medical transportation should you need it. 
• AD&D and travel accident benefits to help take care of you or your family if you’re seriously injured or killed while traveling. 
• Emergency travel assistance services to help you locate a local and appropriate medical facility to care for your medical needs and those of your family. 

Examples of Travelers That Might Buy It

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• US citizens going abroad.  A typical health insurance plan doesn’t extend outside the US, so if you’re traveling abroad, you’ll want travel medical insurance for accidental illnesses and injuries that occur outside your health insurance coverage zone. 
• Visitors to the US. When family members visit from abroad, they should have coverage for their stay. 
• Expats and long-term travelers. If you’re visiting multiple countries, you’ll want to make sure that you have the same coverage no matter where you are. 
• Missionaries and foreign aid workers. Just because you’re traveling to make a difference in someone else’s life, it doesn’t mean that nothing bad will happen to you. You need to be sure that you’re protected in case you have a medical emergency or need to be evacuated to safety. 

What Are the Types of Travel Medical Plans?

Travel medical plans come in three types:
• Single trip travel medical (the most commonly purchased) – this is coverage for a single trip up to 6 months. It covers the length of the vacation and is paid for upfront. 
• Multi-trip travel medical – This coverage is for multiple trips and often purchased in 3, 6, or 12-month segments. 
• Long-term major medical – This is continuous medical coverage for the long term traveler and it’s typically paid on a monthly basis. These plans can often be renewed. 

How Much Does Travel Medical Insurance Cost?

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Since travel medical insurance doesn’t provide trip cancellation and other package-like benefits, the cost of the plan is usually quite economical.

For example, a single trip travel medical plan can range from $40-80 for a relatively short overseas trip. In general, the premium amount for a travel medical plan is based on:

• The length of the trip
• The age of the traveler
• The medical and evacuation coverage limits

How to Buy Travel Medical Insurance

There are two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance online:

• Compare plans from all companies: Compare travel insurance plans, get quotes, and buy online. 
• Quote and buy direct: Review the travel insurance companies and plans and purchase directly from the company. 


Source: travelinsurancereview
Images: depositphotos

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