Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.
What is International Travel Health Insurance?
When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.
What Does Travelers’ Medical Insurance Cover?
Depending on the plan you choose, your travel insurance policy can offer:
- Freedom to seek treatment with a hospital or doctor of your choice
- Maximum limits from $50,000 to up to $8,000,000
- 24/7 access to an emergency assistance medical hotline to speak with medical experts
- Deductible options from $0 to up to $25,000
- Renewable for up to 36 months
- Other benefits like travel delay/cancellation, baggage loss/delay
- Universal Rx pharmacy discount savings
Is Travel Health Insurance Worth It?
The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.
Recommended Medical Travel Insurance Plans
We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue’s Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick’s Safe Travel USA is designed specifically for foreigners visiting usa
Recommended Plan for US Citizens Traveling Abroad
GeoBlue’s voyager travel insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.
Option for All International Travelers
Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.
Recommended Plan for International Visitors to the US
Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and “acute onset of pre-existing conditions”.
Affordable Plans with Great Coverage and Benefits
Our suggested plan based on affordability, benefits, and service is the Atlas travel insurance Plan. Don’t be fooled by the price – the benefits are very comparable to those offered by more expensive insurers.
How Much Does Travel Health Insurance Cost
that plans can cost from as low as $0.80 per day to as high as $5 a day, sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.
Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.
Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower.
Costs and Benefits of a Travel Medical Insurance Plan
The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation.
What Are the Different Levels of Health Insurance for Traveling Abroad
There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.
- The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
- You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered.
- You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle.
- Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.
Among our most popular plans for US citizens is the geo blue voyager plan which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.
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FAQ Questions and Answers on Travel Health Insurance
It covers medical emergencies abroad, including evacuation and repatriation.
Treatment, access to emergency assistance, and benefits like trip interruption.
From $0.80 to $5 per day, averaging around $2 per day.
Emergency coverage, assistance, repatriation, and lost item coverage.
Basic to comprehensive, including options for pre-existing conditions and high-risk activities.
