Need help?

 

Active policy holders are encouraged to submit all policy renewals, corrections, or cancellations online through your account for timely processing.

Sign in to your account

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

Talk to a Licensed Insurance Specialist: 7:00AM - 6:00PM PT (Friday)

+1 (866) 384-9104

Current Time in PT Open

Other ways to reach us:

VisitorsCoverage logo
Travel Insurance

Trip Insurance vs Travel Medical Insurance

Trip Insurance vs Travel Medical Insurance

Travel insurance is a broad term used for insurance that provides travel coverage. Typically, travel insurance can be broadly categorized into two categories:

  • Trip Insurance: Protection for financial losses due to unexpected trip-related issues
  • Travel Medical Insurance: Protection for health-related issues

Let’s take a closer look at the difference between trip insurance vs. travel medical insurance.

Trip Insurance

Trip insurance usually refers to trip cancellation insurance coverage. Trip insurance protects you against financial losses suffered due to certain unexpected trip cancellations, trip interruptions, trip delays, missed flight connections, baggage loss, rental car coverage etc.

Specific features and benefits may vary from plan to plan. Some plans might cover only for trip cancellation, and not trip delay or interruption. Some other plans have similar coverage but not all of the features. These are usually for a short trip of up to 30 days.

If you’re traveling with kids, or seniors, headed to risky areas like war zones or regions vulnerable to natural disasters, your travel plans may be more susceptible to change. In this case, trip insurance can help protect your financial investment.

Travel Medical Insurance

Travel Medical Insurance plans offer protection for unforeseen health issues like sudden illness or injuries caused by accidents that occur while you’re abroad. These plans cover expenses for medical treatment, emergency medical evacuation, accidental death and dismemberment, or repatriation while traveling. This type of travel insurance is sometimes referred to as visitors insurance, visitors medical insurance, travel health insurance or overseas travel insurance.

If you’re traveling abroad or to a foreign place where risk to exposed health issues are higher, travel medical insurance is a must. Whether you’re a visitor to the U.S., where medical expenses are high, or a U.S. resident traveling to Africa for a safari trip, comprehensive travel medical insurance is strongly suggested.

Learn more about various travel health insurance plans from the best insurance companies. Feel free to reach out to our award-winning Customer Success Team.


Related Articles

Travel Medical Insurance Claims and Billing

One of our most frequently asked questions is about travel medical insurance billing. If you…

Usual Customary and Reasonable Reimbursement

Most travel insurance plans reimburse based on Usual, Reasonable and Customary charges (UCR) for all…

Your Rights & Responsibilities as a Travel Medical Insurance Policyholder

As a traveler to a foreign land – whether on holiday, a study tour, or…

Infographics: Most Common Mistakes Made by Travelers

Every traveler has probably made his or her share of travel mistakes, from booking too…

Travel Insurance – Even More Important for Business Travelers Than Other Travelers

Travel medical insurance benefits anyone traveling outside their home country, but it may be the…

Does Travel Insurance Include Dental Coverage?

Travel medical insurance covers many unforeseen medical incidents and emergencies, but does travel insurance cover…

Travel Insurance And Zika Virus: Are You Covered?

In recent weeks, the Zika virus has gained considerable attention from media, causing great concern…

How Group Travel Insurance Helps Tour Operators and Travel Consultants

As a tour operator or travel consultant planning leisure trips for groups of vacationers, there…

What are Limited Coverage Insurance Plans And How Do They Work?

When it comes to shopping for travel insurance plans, one of the most confusing aspects…

Travel Insurance and Tainted Alcohol: Are You Covered?

A number of tourist deaths reported in the Dominican Republic and Mexico have been linked…

10 Cities to Visit Post-Pandemic

We’ve put together a list of some of the most exciting and breathtaking cities around…

What Travel Insurance Benefits Do You Need in a Pandemic?

In light of the  COVID-19 pandemic, travelers are looking toward the future and wonder what…

Find COVID-19 Coverage Before Your Next Trip

*Updated July 29, 2021 If you’re thinking about traveling, you might also think about travel…

VisitorsCoverage’s Response to COVID Crisis in India

VisitorsCoverage, a California-based Insurtech company in the travel insurance industry, has been working closely with…

Does Trip Insurance Cover Medical Care?

When most travelers think about trip insurance they think about trip cancellation protection and lost…

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.