Do I Need Trip Insurance or Travel Medical Insurance?

Do I Need Trip Insurance or Travel Medical Insurance?

When traveling, it can be difficult to know exactly what kind of travel 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 Insurance 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.

Does Trip Insurance Cover Medical Expenses?

While trip insurance is primarily designed to cover eligible nonrefundable trip-related costs due to covered reasons such as trip delay or interruption, some plans do also offer limited coverage for emergency medical expenses in the form of an Accident and Sickness benefit.

Trip insurance medical coverage can cover emergency medical events for new injuries or illnesses that occur during one’s travels that require necessary attention.

However, a travel medical insurance plan is best suited for those who are looking for adequate medical coverage, especially for those traveling internationally.

Trip Insurance vs Travel Medical Insurance Compared

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 prepaid expenses where you are 90 miles (~145 kilometers) or more away from home.

Trip Insurance

Benefits of Trip Insurance and Travel Medical Insurance

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

Not Applicable

Cancel For Any Reason (CFAR)

Included in some plans, option to add on this coverage for other plans

Not Applicable

Trip Delay

Not Applicable

Missed Connection

Not Applicable

Rental Car Damage

Not Applicable


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.

How Do I Choose My Insurance Plan?

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.

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 medical insurance or trip insurance for your needs. That's what our Customer Success Team is there for. If you need assistance, please don't hesitate to reach out.