Travel Insurance
How do you account for healthcare expenses or emergencies while traveling abroad? Medicare coverage stops at the border, and most individual health insurance policies do not cover international travel. You need specialized travel coverage for trips to other countries.
Travel medical insurance pays for emergency medical expenses during a trip. If you are traveling and have an unexpected illness, injury or medical condition that’s covered by your travel medical insurance, the plan will reimburse you, up to the plan limits. Although travel insurance cannot prevent accidents from occurring, it can reduce the burden of unexpected expenses and additional travel arrangements that need to be taken care of with very little notice. Travel insurance plans offer you peace of mind so you can enjoy your trip rather than worrying about what might go wrong.
Travel medical insurance pays “reasonable and customary” charges for bills such as:
Ambulance service
Doctor bills
Hospital and operating room charges
X-rays, examinations, treatments, lab tests and anesthetics
Drugs and medicines
Dental care, but check for special limits on the dental payout, such as $500
International health plans can be purchased for a single trip or multiple trips depending on your needs. Accidents, sickness and illness coverage are all built into the policy.
Travel insurance is also often intended to act as a supplement to insurance coverage you may already have; this is the difference between "primary" and "secondary" coverage. Secondary coverage helps provide you with a safety net in the case of an unforeseen event that disrupts your trip. A travel insurance plan may help bridge the gap in your health insurance to better protect you against an unforeseen medical emergency that happens while you’re away from home.
We travel all over the world. We visit the most beautiful places and enjoy the sun, the sea and the mountains in various countries. Ensure you are covered should an accident occur.