Travel Medical Plans combine the benefits of travel insurance plans with additional health and medical coverage. When you travel around the world, it is now more important than ever to make sure you have the right international travel health insurance plan in place in case the unexpected happens. Here we provide a general overview of Travel Medical Plans as well as recommendations on the best plans for your trip.
What is Travel Medical Insurance?
When traveling outside of your home country it’s important to buy international travelers medical insurance to cover yourself against accidents or illness. Even if you have private medical insurance at home the chances are this will not cover you when traveling abroad, or if it does cover you that coverage will be very limited.
The Best Travel Health Plans Include:
- Freedom to seek treatment with hospital or doctor of your choice
- Maximum Limits from $50,000 to $2,000,000
- 247/7 access to emergency assistance medical hotline to speak with medical experts
- Deductible options from $0 to $2,500
- Renewable up to 24 months
- Travel delay and baggage delay benefits
- Universal Rx pharmacy discount savings
- Repatriation and emergency evacuation
Our Recommended Travel Medical Plans:
Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)
Patriot Travel Medical: Learn More | Free Quote / Apply (Best for Travelers to the USA)
How Does International Travel Medical Insurance Differ From Trip Insurance?
Looking at the many different travel, trip, and medical insurance policies that are available can be confusing. Different providers offer numerous levels of cover, and so travel insurance with one provider could be completely different to another. The general rule of thumb is that “trip insurance” provides a short term solution that will cover such things as trip cancellation, trip protection, and a limited amount of emergency medical coverage. These plans are usually available for a period of between 1 and 62 days.
Travel medical insurance is a more comprehensive policy that gives increased medical coverage over and above what a regular trip or travel insurance policy would, and this type of coverage is usually available for a period of between 5 days and 1 year.
If you are considering longer term coverage or more comprehensive medical benefits, read: Expatriate Insurance or Travel Insurance: What is the Difference?
Do I Need to Buy International Travel Medical Insurance?
Travel medical insurance is a short term solution for citizens who are traveling outside of their home country for anywhere between 5 days and one year. It is essential coverage for travelers who are away from home, whether on business or pleasure purposes. Even if you have health insurance at home the chances are this will not cover you when traveling outside of your home country, or if it does, the level of coverage will be very minimal.
Our plans can be very beneficial to a large range of travelers including international vacationers, recently arrived immigrants, relatives visiting from overseas, and foreign au pairs and nannies, among others. Plans are available to all nationalities traveling abroad!
The Different Levels of Cover
At InternationalInsurance.com we can provide you with a range of travel medical insurance plans from some of the leading insurance providers. Among our most popular plans are the Patriot Plans, and with three different plans to choose from these suit a variety of travelers.
Patriot Travel is a very comprehensive policy that includes hospitalization and doctor coverage as well as such things as lost luggage, and you can tailor this policy with optional extra riders to include insurance for extreme sports. You can also opt for the Patriot Green plan that offers the same coverage as Patriot Travel and is perfect for the eco-friendly traveler thanks to it being a paperless plan and one that allows you to offset your carbon footprint.
With Patriot Platinum you have the same options for extra riders and coverage, though this plan, for the discerning traveler, provides world-class coverage and access to the best service and assistance whenever traveling outside your home country.
Single Trip or Annual (Multi-Trip) Plans
Travel medical insurance is available as a single trip plan that covers one specific trip for a specified number of days. You can also purchase a multi-trip annual policy that covers you for all travel outside your home country over the course of a year, up to a maximum number of days per each trip. This can be a more cost effective way of buying travel health insurance if you are a frequent traveler.
Buy one of our recommended Travel Medical Plans:
Patriot Travel Medical: Learn More | Free Quote / Apply (Best for Internationals Traveling to the USA)
Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)
Blue Cross Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)
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A message from the Center for Disease Control:
Severe illness or injury abroad may result in a financial burden on travelers. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: travel insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to travelers with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.
Written by Joe Cronin.