If you plan to travel, it is essential to have travel medical insurance. This type of health insurance can cover emergency medical expenses incurred in a foreign country. It’s a good idea to purchase travel health insurance even if you already have health insurance in the United States. This guide will discuss what international insurance is and what it covers. We’ll also give you tips on choosing the right policy for your needs.
what is travel medical insurance?
Travel medical insurance, also known as travel medical insurance plans, combines travel insurance and medical insurance. Medical plans provide coverage for travelers who need temporary health insurance while traveling for business or pleasure anywhere outside of the traveler’s home country. National health insurance companies will not cover the cost of medical or dental care while traveling abroad. The comprehensive coverage of medical expenses protects the traveler from emergencies and evacuations.
Travel medical insurance is not included in your credit card. The Affordable Care Act also does not protect you internationally.
Travel medical insurance versus international medical insurance?
Travel medical insurance provides medical, dental, and vision insurance while you are visiting abroad for a short period of time, such as a vacation or business trip. international medical insurance is a medical insurance policy for expatriates and citizens of the world who live outside their country of origin for more than 12 months. the difference is the payment method, multiple international trips and coverage area.
travel insurance vs. travel medical coverage?
Traditional travel insurance (trip cancellation insurance) provides benefits that only cover trip delays, cancellations, and lost luggage. On the other hand, travel medical insurance offers coverage for any health-related issues outside the traveler’s home country, along with lost or damaged luggage, baggage delays, trip interruptions, and identity theft.
Do I need travel insurance coverage?
Suppose you are traveling within your home country and purchase travel insurance. if the trip is outside your home country, purchase travel medical insurance. Most primary insurance plans do not cover you once you leave the United States. That said, if you get sick or have an accident while traveling, your plan may not cover your health care expenses. In some cases, you will not be able to leave the visiting country until the medical bill is paid, so you will not be able to return home.
note: visitors insurance is the best health insurance for traveling to the usa. uu.
examples of coverage for emergency medical benefits
- be injured while working abroad.
- get intoxicated while eating in a restaurant.
- get infectious diseases.
- toothache while abroad.
- went to the emergency room to seek treatment.
- needs an ambulance.
why you need a travel medical plan
what treatments does international travel insurance cover?
Medical benefits and medical services in a typical travel medical insurance plan include:
- medical emergencies
- acute onset of pre-existing conditions
- inpatient ward & board
- intensive care
- doctor visits and services
- home nursing care
- emergency medical care
- local ambulance
- dental treatment
- emergency medical evacuation coverage
- return of remains for burial or cremation
- return of minor children
- political evacuation
- evacuation due to natural disaster
- terrorism (terrorist incident)
- urgent care clinic
- outpatient clinic
- physical therapy
- emergency room
- hospital indemnity
- accidental death coverage
- identity theft
- trip interruption
- loss of luggage and personal belongings
- bedside visit</li
- laboratory work
- chemotherapy and radiotherapy
- reconstructive surgery
- chiropractic care
- long-term care facility
- emergency eye exam
- pet return
- natural disasters</li
- trip interruption
- small pet common air carrier accidental death benefit
- personal liability
The following clauses are secondary coverage in addition to the standard insurance plans.
adventure sports pilot
for adrenaline junkies or thrill seekers, you can add supplemental health coverage (outside of eligible medical expenses) to your travel medical plan, protecting you from injuries caused by extreme sports and adventure activities (scuba diving , bungee jumping, skydiving, hang gliding, etc.).
emergency evacuation plus passenger
While your travel medical insurance provides emergency medical evacuation coverage for life-threatening injuries and illnesses, the Evacuation Rider (an upgrade) provides coverage for non-life-threatening injuries and illnesses for medical evacuations.
chaperone replacement passenger/faculty leader
If you are a designated chaperone/faculty leader and experience the unexpected death of a family member, a medical emergency, or the destruction of your residence that causes you to cancel or interrupt your trip, purchase insurance that covers reimbursement for a round-trip economy airfare up to $3,000 for a replacement chaperone/faculty leader.
improved accidental death & dismemberment
In addition, the accident health insurance includes an ad&d clause that increases your death benefit up to $400,000 in the event of an accident.
how much does international health insurance cost?
The cost of travel medical insurance is relatively low and is determined by several factors. however, a typical plan can range from as low as $4.31 per person per week to more than $100 for a short trip abroad. premium amounts are based on:
- duration of trip
- cost of trip
- age of traveler
- sex of traveler
- deductible amount
- amount of health care coverage
- additional insurance options
the best travel medical insurance plans
The following are the best travel medical insurance providers for global travel.
- allianz travel insurance
- geoblue travel insurance
- img travel insurance
- img travel insurance for seniors
- img visitors insurance (travel insurance for visitors to the united states)
how to buy travel medical insurance policies
When you buy international travel insurance plans, there are three steps to get covered:
- Get a travel insurance quote from a licensed insurance agent (not a travel agent).
- Read the fine print to understand eligible expenses.
- complete the travel medical insurance application form.
- purchase a travel medical insurance policy.
- receive a insurance certificate from the company health insurance.
how to extend your coverage
Contact your travel insurance provider to extend coverage a few weeks before your coverage expires.
filing a claim (step by step process)
Step 1: Contact your insurance provider to file a claim.
Contacting the travel insurance company starts the process and gets the ball rolling. excellent travel insurance companies will advise you how to make this inconvenient situation as easy as possible.
step 2: collect receipts
Because most health insurance plans require you to pay medical expenses up front, you must collect all medical and hospital bills to get reimbursed. always ask for an itemized bill from the medical staff as well. have the service or medical center detail each procedure. Also, make sure medical bills and receipts are printed on official letterhead or stamped.
Step 3: File your claim online.
this is the easiest way to record all the documentation. send receipts by email or post. Also, communicate as much information as possible. these steps will provide a complete picture of the occurrence.
step 4: control the claim.
Finally, keep a close eye on the claim. check the claim daily to avoid delays. you may need to submit additional documentation, for example. after that, the insurer will send a check in the mail. In addition, an Explanation of Benefits (EOB) must be provided to you. the eob details how and how much was paid on your claim.
The time you file a claim and cash a reimbursement check can range from 30 to 90 days. therefore, you must be very diligent in the claim process. Normally, the process takes around 30 days.
Who should buy international travel medical insurance?
- united states citizens traveling internationally
- family members visiting you in the united states from another country
- frequent travelers on cruises, safaris or guided tours
- international students and scholars studying abroad
- groups traveling abroad for international student programs
- dependents traveling abroad (family members)
- international business travel
- employees working abroad on multiple trips
- government employees working abroad for an extended period
- foreign aid workers
- seniors traveling abroad
- sea captains and crew
- newly arrived immigrants
- foreign au pairs and nannies
- families sponsoring exchange students
- a traveler who loves adventure sports or high-level activities risk.
Nobody knows when an unexpected health emergency will happen. That’s why travel medical insurance should always be part of your packing list for any international trip, regardless of destination. then you’re covered under a comprehensive plan and can relax and enjoy your vacation knowing that you and your loved ones are protected in the event of an unexpected illness or injury. ready to apply for coverage? click here to get started today.