Does your health insurance cover you out of the country? If it does, you’re in the minority. Most US health plans do not offer health insurance coverage once you leave the United States. This means if you are injured or become ill while you’re traveling outside of the United States, your trip may suddenly become a lot more costly.
But don’t cancel your dream trip around the world just yet. There is a solution. It’s called Travel Medical Insurance. Travel Medical Insurance is for those traveling outside their home country. It covers medical emergencies, including injuries, illnesses and emergency medical evacuations.
What is the Difference Between Travel Medical Insurance and Other Travel Insurance?
Travel medical insurance is specifically for healthcare. These plans, also sometimes known as International Medical Insurance or Global Medical Insurance cover medical care outside of your home country. Depending on the nature of your international travel and the length of time you are away, your plan may cover just medical emergencies or it may be a more traditional style health insurance plan.
Other travel insurance policies cover things like trip cancellation, lost luggage or automobile accidents while traveling. This article will focus on travel medical insurance, though you can buy both types of travel insurance through Roper Insurance. For more information on travel insurance/trip cancellation policies, click here.
Travel medical insurance covers costs related to medical emergencies. When a relative of one of our staff members suddenly developed a serious illness while on a Baltic Cruise, her travel medical insurance covered emergency transport from the ship to a Russian hospital, her two-week Russian hospital stay, emergency visas, and medical air transportation back to her home city. Without the insurance her trip of a lifetime would have become the nightmare of a lifetime with medical costs exceeding six figures.
Travel medical insurance focuses primarily on providing emergency medical treatment, usually including dental care, emergency transportation and evacuation costs. If you are in a remote area, emergency medical evacuation and transport will help you get to a place for proper medical care, and if necessary back to your home country. If you should die on your trip, repatriation coverage will ensure your body is transported home.
Some travel medical insurance plans may include Accidental Death & Dismemberment (AD&D) or life insurance benefits that are paid regardless of any other coverage you may have.
Some examples of medical emergencies covered by Travel Medical Insurance are:
- You develop appendicitis on an overseas business trip.
- You’re involved in a traffic accident on a family vacation.
- You fall and break your wrist while chaperoning a high school tour group.
What does Travel Medical Insurance cover?
Travel medical insurance generally includes:
- Reimbursement for unexpected medical costs due to a medical emergency.
- Reimbursement for unexpected dental costs due to an accident.
- Advance payments to medical facilities and assistance in obtaining emergency medical transportation for illness or injury.
- Coordination of and payment for emergency medical evacuation services, including medical care providers to attend you until you reach an appropriate medical 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 medical travel assistance services to help you locate a local an appropriate medical facility to care for your medical needs.
Who Should Consider Travel Medical Insurance?
Travel medical insurance offers coverage to the following groups of people:
- Permanent US Residents or Citizens Traveling Internationally. Most US health insurance policies do not offer coverage outside the United States.
- Visitors to the US. Non US-residents may want to consider health coverage while visiting in the United States
- Business travelers working overseas. If your health insurance plan doesn’t extend outside the U.S. (and most don’t), you will need medical and evacuation coverage if you’re working overseas.
- Expatriates, foreign-aid workers and long-term travelers. There are travel medical insurance policies designed for long-term residency or extended vacation stays outside the United States
How much does Travel Medical Insurance cost?
There are many different types of travel medical insurance, depending on your circumstances, the nature and length of your travel, and the amount and type of coverage you are seeking.
Since most travel medical insurance policies focus on emergency medical care, and do not include trip cancellation or trip interruption insurance benefits, they are relatively affordable.
A typical medical policy for a vacationing adult might range in price for $50-$100 for a short international trip.
How Do I Buy Travel Medical Insurance?
Roper Insurance makes it easy for you to purchase either individual (family) insurance for yourself or group travel medical insurance for your employees. With just a few clicks through our website, you can choose your type of insurance, your term and your level of coverage. For more information or to obtain a travel insurance quote click here.
In addition to travel medical insurance, Roper Insurance also offers Travel Cancellation/Interruption Insurance. For more information or to receive a quote and buy Travel Cancellation/Interruption Insurance, click here.