Short Term Insurance for Travel Abroad
You’ve worked hard. You’ve researched and planned. Your bags are packed, and your passport is in your hand. It is finally time for your international vacation! International travel can be exhilarating! From the beginning stages when you are deciding where to travel and then actually making travel arrangement to finally arriving at your destination, the experience can be highly satisfying. One thing you can’t plan for is illness or accidents – both of which can result in overwhelming medical bills when you are traveling internationally. There are many short-term international travel medical insurance plans that can help protect you from the high cost of medical care, help you access high-quality medical services and ease some of the stress of dealing with unfamiliar medical systems. Short-term international health insurance provides medical benefits for those who are traveling outside of their home country or country of permanent residence.
It can be overwhelming to choose between the trip insurance and travel medical insurance policies that are available. There are many insurance providers all offering a wide range of products at a variety of price points.
Travel Medical Insurance Versus Trip Insurance
Short term travel insurance plans will either be a trip insurance or travel medical insurance plan. Typically, trip insurance covers details such as trip cancellation insurance and some limited emergency medical coverage. These plans are usually available for five to 60 days maximum trip length.
Travel medical insurance focuses primarily on providing comprehensive emergency medical insurance during your travels. Travel medical insurance plans can often be purchased for time periods of between five days and one year, sometimes renewable for up to 3 years.
Related: Compare Travel Insurance Plans
Who Needs Short Term Travel Insurance?
The easy answer is everyone traveling internationally needs travel medical insurance. If you will be traveling outside of your home country for business or pleasure, it is essential to have Travel Medical Insurance. Likely, your existing health insurance plan will not cover you for travel abroad, and if the coverage does exist, it is probably quite minimal.
Since anyone is susceptible to accident or illness, the insurance is a worthwhile purchase.
Need Long Term Cover: Research International Health Insurance Plans
Factors to Consider When Investing in Travel Medical Insurance
Single or Multi-Trip Insurance
Short-term travel medical insurance is available as a single trip plan that covers a specific trip for a specified number of days or months.
If you travel more frequently, you may wish to consider a Annual Travel Insurance policy that would provide you with travel medical insurance for up to a year and a maximum number of days per trip. This can definitely be a more cost-effective option for frequent travelers.
Best Annual Multi-Trip Travel Insurance Plan for Short Trips
- Wander Frequent Traveler – Covers multiple trips over a year with a single plan
What do the Best Short Term Travel Health Insurance Plans Include?
- Freedom to choose the doctor or hospital you want
- Maximum Limits from $50,000 to $2,000,000
- Deductible options from $0 to $2,500
- Universal pharmacy discounts
- 24/7 access to an emergency assistance medical hotline to speak with medical experts
- Repatriation and emergency evacuation
- Trip interruption, and more…
- COVID-19 coverage outside your home country
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance
As you consider the insurance coverage that is most suitable for your short term travel plans and your budget, remember that you can ask your sales representative lots of questions. They can also give you information about extra add-ons that may be available, such as for extreme sports coverage.
You have worked hard for your vacation! Having the best insurance plan will help protect you so you can relax without worrying if you get sick or your trip is interrupted.