Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need.
Travel medical coverage is ideal for:
Biggest difference: It focuses on emergency medical/evacuation vs trip cancellation coverages
With a travel medical plan, the focus is on emergency medical and evacuation costs.
If you are abroad and have an accident or become ill, it would cover medical costs for you. Emergency dental treatment is usually included and emergency transportation (ambulance, air lift) services are also covered.
Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care. If you are killed or die on your trip, the repatriation coverage will ensure your body is properly transported home or to a funeral home nearby.
Travel medical plans often include some Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury. This coverage can fill out your life insurance benefits and provide extra coverage for you or your family in the case of a serious accident.
xamples of travelers that might buy it
Travelers like these should purchase travel medical insurance:
US Citizens going abroad. A typical health insurance plan doesn’t extend outside the U.S. borders, so if you’re traveling abroad, you’ll want travel medical coverage for accidental illnesses and injuries that occur outside your health insurance coverage zone.
Visitors to the US. When family members visit from abroad and stay a few days or even a year, they should have coverage for their stay.
Business travelers working overseas. If your health insurance plan doesn’t extend outside the U.S. (and most don’t), you’ll need some medical and evacuation coverage if you’re working overseas.
Expats and long-term travelers. Not only does your own health insurance (even Medicare) fail to cover you outside the U.S., if you are visiting multiple countries, you’ll want to ensure you have the same coverage no matter where you travel.
Missionaries and foreign aid workers. Just because you are traveling to make a difference in someone else’s life doesn’t mean something bad can’t happen to you. Be sure you are protected in case you have a medical emergency or need to be evacuated to safety.
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