Travel medical health insurance
Today, many enjoy traveling worldwide, whether discovering new countries or returning to see loved ones back home. You want to make sure you have travel medical insurance in place to cover the unexpected.
These plans are designed for travelers leaving their home country that are worried about coverage overseas. Most insurance plans provide no coverage once you leave the US, and an accident or illness abroad would not be covered.
As a professional insurance agent, I understand the importance of travel coverage. One type of coverage that is often overlooked is travel medical insurance. In this article, we will explore what travel medical insurance is, why it’s essential, and the different types of coverage available.
What is travel medical insurance?
Travel medical insurance is a type of insurance that provides coverage for medical emergencies while traveling. It is designed to help cover unexpected medical expenses that may arise while you are away from home. This type of insurance differs from regular health insurance because it is only valid for the length of your trip and is meant to supplement your health insurance when you’re out of network.
Why is travel medical insurance important?
No one wants to get sick or injured while on vacation, but it can happen. An illness or injury can be one of the most devastating events during a trip. Without travel medical insurance, you’ll be handling these unexpected expenses alone. At best, that could put a dent in your vacation budget, and at worst, it could put you heavily into debt or put your health at risk.
Types of travel medical insurance
There are different types of travel medical insurance coverage available, depending on your needs. Here are some of the most common types:
– **Short-term health insurance coverage for out-of-state travel**: This type of coverage is designed for people traveling within the United States but outside of their home state. It provides coverage for medical emergencies that may arise while you are away from home.
– **International travel health insurance**: This type of coverage is designed for people who are traveling outside of the United States. It provides coverage for medical emergencies that may arise while you are abroad.
– **Travel medical insurance plans**: This type of coverage is offered as part of comprehensive travel insurance plans or can be purchased as a stand-alone plan. It provides coverage for medical emergencies that may arise while you are traveling.
How much does travel medical insurance cost?
The cost of travel medical insurance varies depending on the type of coverage you need, the length of your trip, and your age. The average price for a stand-alone travel medical insurance policy is $92.75 per trip, according to a travel insurance comparison provider. However, some travelers may be able to secure a basic travel medical insurance plan for as little as $2 or less per person per day of coverage.
Travel medical insurance is an essential coverage that can provide peace of mind while traveling.
Benefits of travel medical insurance
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Here are some benefits of travel medical insurance:
– **Coverage for unexpected illness and injury**: Travel medical insurance helps cover the cost of many emergency medical treatments during a trip. If you’re traveling and have an unexpected illness, medical condition, or injury that’s covered by your travel medical insurance, you typically will be reimbursed up to the plan limits.
– **Peace of mind while traveling**: Knowing you have coverage for unexpected medical expenses can help you relax and enjoy your trip without worrying about the financial burden of a medical emergency.
– **Affordable rates**: The cost of travel medical insurance varies depending on the type of coverage you need, the length of your trip, and your age. However, some travelers may be able to secure a basic travel medical insurance plan for as little as $2 or less per person per day of coverage.
How travel medical insurance works
Travel medical insurance supplements your health insurance when you’re out of network. It provides coverage for medical emergencies that may arise while you are away from home. Here’s how it works:
– **Supplementing your health insurance**: Generally, most domestic health insurance policies are not accepted abroad, so there is a benefit to purchasing travel medical insurance as a supplement to your health insurance coverage. The travel medical coverage is only valid while you’re traveling.
– **Coverage for emergencies**: Travel medical insurance pays for emergency medical expenses during a trip. If you are traveling and have an unexpected illness, injury, or medical condition covered by your travel medical insurance, the plan will reimburse you up to the plan limits.
– **What it does and doesn’t cover**: Travel medical insurance covers emergency medical expenses that require treatment by a physician during a trip, up to your policy limit. It usually includes medical evacuation and repatriation costs. However, unlike regular health insurance, it doesn’t pay for routine care or pre-existing conditions. What’s covered and excluded by a travel medical insurance plan will depend on the travel insurance company.
Factors to consider when choosing a plan
Choosing the right travel medical insurance plan can be overwhelming, but it’s important to find the right coverage for your needs. Here are some factors to consider when choosing a plan:
– **Health status**: If you have pre-existing medical conditions, you’ll want to ensure that your travel medical insurance plan covers them. Additionally, if you’re in good health, you may not need as much coverage as someone with a chronic medical condition.
– **Destination**: The cost of medical care varies widely from country to country, so it’s important to choose a plan that provides adequate coverage for the country you’re visiting. Some countries may require specific types of coverage, so it’s important to research the requirements before purchasing a plan.
– **Length of trip**: The length of your trip can affect the cost of your travel medical insurance plan. If you’re taking a short trip, you may be able to purchase a less expensive plan with lower coverage limits. If you take a longer trip, you may need a plan with higher coverage limits.
– **Type of coverage**: There are different types of travel medical insurance plans available, including comprehensive plans that cover a wide range of medical expenses and more basic plans that only cover emergency medical expenses. It’s important to choose a plan that provides the coverage you need.
Comparison of different travel medical insurance companies
When comparing different travel medical insurance companies, it’s essential to consider the company’s reputation, the types of plans they offer, and the cost of coverage. Here are some tips for comparing different plans:
– **Company reputation**: Look for a company with a reputation for excellent customer service and a history of paying claims promptly.
– **Types of plans**: Compare the plans different companies offer to find the one that best fits your needs. Look for a company that offers a variety of plans with different coverage levels and benefits.
– **Cost of coverage**: Compare the cost of coverage from different companies to find the best deal for the coverage you need. Remember that the cheapest plan may not always be the best option if it doesn’t provide adequate coverage.
| Company | Types of Plans | Estimated Cost of Coverage Plan |
|---|---|---|
| Tokio Marine HCC – Medical Insurance Services Group | Single Trip, Multi-Trip, Group, Student, Schengen Visa | Starting from $0.85/day |
| Geo Blue Plans | Single Trip, Multi-Trip, Long-Term, Group, Student, Schengen Visa | Starting from $0.79/day |
| IMG Global | Single Trip, Multi-Trip, Group, Student, Schengen Visa | Starting from $0.74/day |
| HTC Worldwide Plans | Single Trip, Multi-Trip, Group, Student, Schengen Visa | Starting from $0.94/day |
How to save money on travel medical insurance
– **Choose a plan with a higher deductible**: A higher deductible can lower the cost of your travel medical insurance plan. Ensure you can pay the deductible if you need to make a claim.
– **Purchase a plan with lower coverage limits**: If you’re taking a short trip or don’t have any pre-existing medical conditions, you may be able to purchase a plan with lower coverage limits to save money.
– **Compare plans from different companies**: Shopping around and comparing plans from different companies can help you find the best deal for the coverage you need.
Tokio Marine HCC – Medical Insurance Services Group
Tokio Marine HCC – Medical Insurance Services Group, now known as WorldTrips Insurance, is a full-service company offering travel medical insurance and short-term medical insurance products designed to meet the needs of foreign visitors to the USA, international students, and travelers planning around-the-world trips. WorldTrips Insurance is headquartered in the United States (Indianapolis, Indiana). It is a Lloyd’s cover holder and the exclusive administrator for the plans Atlas Travel, Atlas Premium, Atlas Essential, and Atlas Group Travel. Here is more information on WorldTrips Insurance:
WorldTrips Insurance Plans
WorldTrips Insurance offers several travel medical insurance plans, including:
– **Atlas Travel Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage.
– **Atlas Premium Travel Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage, as well as coverage for pre-existing conditions.
– **Atlas Essential Travel Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
– **Atlas Group Travel Insurance**: This plan covers groups of five or more travelers. It offers the same benefits as the Atlas Travel Insurance plan but with discounted group rates.
WorldTrips Insurance Benefits
WorldTrips Insurance offers a range of benefits with its travel medical insurance plans, including:
– **Medical expense coverage**: WorldTrips Insurance plans cover medical expenses incurred while traveling, including hospitalization, surgery, and doctor visits.
– **Emergency medical evacuation**: If you become seriously ill or injured while traveling, WorldTrips Insurance plans provide coverage for emergency medical evacuation to the nearest appropriate medical facility.
– **Repatriation**: If you pass away while traveling, WorldTrips Insurance plans to provide coverage for the repatriation of your remains to your home country.
– **Travel assistance services**: WorldTrips Insurance offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services.
Geo Blue Plans
Geo Blue is an independent licensee of the Blue Cross Blue Shield Association. It provides international medical insurance to travelers with access to Blue Cross Blue Shield Travel health insurance coverage around the globe. Geo Blue members enjoy 24/7 phone, web, mobile, and telemedicine support, prompt and convenient access to trusted doctors and hospitals, cashless appointments, appointment scheduling support, paperless claims resolution, and destination health intelligence. Here is more information on Geo Blue:
Geo Blue offers several international medical insurance plans, including:
– **Voyager Choice**: This plan covers individuals and families traveling outside their home country for up to 180 days. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage.
– **Voyager Essential**: This plan covers individuals and families traveling outside their home country for up to 180 days. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
– **Xplorer Premier**: This plan provides long-term coverage for individuals and families living abroad. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
– **GeoBlue Student Health Insurance**: This plan covers international students studying abroad. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
Geo Blue Benefits
Geo Blue offers a range of benefits with its international medical insurance plans, including:
– **Medical expense coverage**: Geo Blue plans cover medical expenses incurred while traveling, including hospitalization, surgery, and doctor visits.
– **Emergency medical evacuation**: If you become seriously ill or injured while traveling, Geo Blue plans provide coverage for emergency medical evacuation to the nearest appropriate medical facility.
– **Repatriation**: If you pass away while traveling, Geo Blue plans provide coverage for repatriating your remains to your home country.
– **Travel assistance services**: Geo Blue offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services
IMG Global
IMG Global is a travel medical insurance provider that offers a range of plans for individuals, families, and groups. It provides coverage for medical expenses, emergency medical evacuation, and repatriation. IMG Global also offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services. Here is more information on IMG Global:
IMG Global offers several travel medical insurance plans, including:
– **Patriot Travel Medical Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage.
– **Patriot Platinum Travel Medical Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage, as well as coverage for pre-existing conditions.
– **Global Medical Insurance**: This plan provides long-term coverage for individuals and families living abroad. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
– **Student Health Advantage**: This plan covers international students studying abroad. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
IMG Global Benefits
IMG Global offers a range of benefits with its travel medical insurance plans, including:
– **Medical expense coverage**: IMG Global plans cover medical expenses incurred while traveling, including hospitalization, surgery, and doctor visits.
– **Emergency medical evacuation**: If you become seriously ill or injured while traveling, IMG Global plans provide coverage for emergency medical evacuation to the nearest appropriate medical facility.
– **Repatriation**: If you pass away while traveling, IMG Global plans provide coverage for the repatriation of your remains to your home country.
– **Travel assistance services**: IMG Global offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services.
HTC Worldwide Plans
HTC Worldwide is a travel medical insurance provider that offers a range of plans for individuals, families, and groups. It provides coverage for medical expenses, emergency medical evacuation, and repatriation. HTC Worldwide also offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services. Here is more information on HTC Worldwide:
HTC Worldwide offers several travel medical insurance plans, including:
– **HTC Atlas Travel Insurance**: This plan covers individuals and families traveling outside their home country. It offers a range of benefits, including emergency medical evacuation, repatriation, and trip interruption coverage.
– **HTC Atlas Group Travel Insurance**: This plan covers groups of five or more travelers. It offers the same benefits as the Atlas Travel Insurance plan but with discounted group rates.
– **HTC StudentSecure Insurance**: This plan covers international students studying abroad. It offers a range of benefits, including emergency medical evacuation, repatriation, and coverage for pre-existing conditions.
– **HTC TripProtector Insurance**: This plan provides coverage for trip cancellation, trip interruption, and travel delay. It also includes emergency medical and dental coverage, evacuation, and repatriation.
HTC Worldwide Benefits
HTC Worldwide offers a range of benefits with its travel medical insurance plans, including:
– **Medical expense coverage**: HTC Worldwide plans cover medical expenses incurred while traveling, including hospitalization, surgery, and doctor visits.
– **Emergency medical evacuation**: If you become seriously ill or injured while traveling, HTC Worldwide plans provide coverage for emergency medical evacuation to the nearest appropriate medical facility.
– **Repatriation**: If you pass away while traveling, HTC Worldwide plans provide coverage for repatriating your remains to your home country.
– **Travel assistance services**: HTC Worldwide offers travel assistance services, including emergency travel arrangements, lost passport assistance, and translation services.