Do I need trip insurance or travel medical insurance?

When traveling, it can be difficult to know exactly what kind of insurance policy you need in order to protect yourself and your loved ones. Most insurance plans can be separated into two broad groups: trip insurance and travel medical insurance. Let's take a look at these two categories more closely to help you find the perfect plan for your travel needs.

What's the difference between travel medical and trip insurance?

Travel medical insurance (also known as just travel insurance or visitors insurance) is designed to protect people from unforeseen illnesses and injuries that may occur while traveling abroad. A travel medical insurance policy will cover eligible treatment and services as stated in the policy documents. This is especially useful for people traveling internationally. Travel medical policies include benefits for medical expenses such as doctor or hospital visits, medical evacuation and repatriation.

Trip insurance can cover the financial investment of an international or domestic trip. If you are forced to cancel a trip, miss a flight connection or are otherwise unable to continue with your plans, trip insurance can reimburse you for a percentage of prepaid trip costs up to the limits of your policy. Sites like VisitorsCoverage let you research, compare and purchase the best trip insurance plans on the market.

Your Travel Insurance Choices

Here's a comparison table that can help you understand the major difference between travel medical and trip insurance. Compare benefits and decide which plan type is right for you.

Travel Plans Type of Coverage
International travel where you want to have coverage for medical emergencies and related expenses.
Recommended when traveling abroad by yourself, with family or on a business trip.
Travel Medical Insurance
Domestic and/or international travel where you want to protect your financial investment should you be unable to continue your trip as planned.
Recommended for all planned trips with pre-paid expenses where you are 50 miles (80 kilometers) or more away from home.
Trip Insurance

Comparing Benefits

Trip insurance benefits as well as travel insurance benefits vary depending on the specific plan or policy you choose.

Benefit Standard Trip Insurance Policy Standard Travel Medical Insurance Policy
Medical Coverage
Limited coverage for emergency medical expenses

Covers costs associated with new injuries and illnesses
Emergency Evacuation
Trip Interruption
Accidental Death & Dismemberment
24-Hour Assistance
Trip Cancellation
Cancel For Any Reason (CFAR)
Included in some plans, option to add on this coverage for other plans
Trip Delay
Missed Connection
Rental Car Damage
Travel Assistance Services
Medical Evacuation
Legal Assistance
Emergency Reunion

Please note, these are typical benefits of travel insurance plans. Depending on your plan, other features may be added at an additional cost.

There are multiple insurance companies which each have different plan options. Each plan has a different price and coverage rating. Picking the right plan can be a difficult choice. We recommend that you compare plans to find the best policy for your needs. Our online compare and pick quoting tool is designed to help you search, apply, and make a secure online purchase.

Insurance companies will offer different plan options and policy prices and coverage varies. We recommend that you compare travel insurance plans to find the best policy for your needs.

We know insurance terms can be confusing. This doesn't make it easy to find the best travel insurance for your needs. That's what ourCustomer Success Team is there for. If you need assistance please don't hesitate to reach out.