What is “Travel Medical Insurance”?
Question by Tracey: What is “Travel Medical Insurance”?
Is this an insurance for illness/ accidents during your trip from your country to the other country or is this for illness/ accidents during your stay in the other country. Thanks for your answers.
Answer by Freefromdrama
Travel medical insurance is sometimes called International Medical Insurance or a Medical Protection Plan, depending on the company selling it. In general, all of these names refer to medical insurance that covers you while traveling outside your home country.
With a travel medical plan, the focus is on emergency medical and evacuation costs. Coverage for emergency dental treatment to sound natural teeth is usually included (up to a policy limit) and emergency medical transportation (ambulance) services are also covered. Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care. If you are killed or die on your trip, the repatriation coverage will ensure your body is properly transported home or to a funeral home nearby.
Travel medical plans often include some Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury. This coverage can fill out your life insurance benefits and provide extra coverage for you or your family in the case of a serious accident.
Some travel medical plans offer a few package-like benefits such as minimal trip interruption coverage, coverage for lost or delayed baggage and even trip delays.
The following coverage is typically found in a Travel Medical insurance plan.
■Reimbursement for unexpected medical costs due to emergency medical care.
■Reimbursement for unexpected dental costs due to an accident.
■Advance payments to medical facilities and help obtaining emergency medical transportation when you are injured.
■Coordination of and payment for emergency medical evacuation services, including medical care providers to attend to you until you reach an appropriate medical care facility.
■AD&D and travel accident benefits to help take care of you or your family if you are seriously injured or killed while traveling.
■Emergency travel assistance services to help you locate a local an appropriate medical facility to care for your medical needs and those of your family.
Who should buy Travel Medical insurance?
Travelers like these should purchase travel medical insurance:
■Business travelers working overseas. If your health insurance plan doesn’t extend outside the U.S. (and most don’t), you’ll need some medical and evacuation coverage if you’re working overseas.
■Travelers going abroad. A typical health insurance plan doesn’t extend outside the U.S. borders, so if you’re traveling abroad, you’ll want travel medical coverage for accidental illnesses and injuries that occur outside your health insurance coverage zone.
■Long-term travelers visiting multiple countries. Not only does your own health insurance (even Medicare) fail to cover you outside the U.S., if you are visiting multiple countries, you’ll want to ensure you have the same coverage no matter where you travel.
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