When you think about travel insurance, you probably think about things like Travel Medical Insurance, Cancel for Any Reason Insurance, COVID Coverage, or Lost Luggage Insurance. We get that; those are often the headliners. But we're not going to talk about these benefits here. In this article, we're going to focus on the lesser known benefits of travel medical insurance. We've prepared a quick guide to help you take advantage of all these benefits in the table below. We also created a handy visual to help you better understand these benefits.

Benefit Description

Emergency Evacuation

Emergency medical evacuation offers assistance in the event that you need to be evacuated due to an emergency medical situation. Without this kind of insurance, if you need to be airlifted to the nearest hospital, the cost could be up to tens of thousands of dollars.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Atlas America, and ChoiceAmerica

Accidental Death & Dismemberment (AD&D)

Accidental death and dismemberment insurance (AD&D) pays a lump sum amount in the event of death or dismemberment due to a covered accident. If the insured party dies, the amount will be paid to a beneficiary. In case of dismemberment (defined as a loss of limb), a fractional amount of the insurance is paid to the insured.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Atlas America, and Liaison Travel Plus

Repatriation

Repatriation means 'return of mortal remains'. If tragedy happens while overseas, the cost of taking the mortal remains of a loved one back to the home country can be extremely expensive.

Plans with this benefit: CoverAmerica-Gold, Atlas America, Safe Travels USA Comprehensive, and Liaison Travel Plus

Emergency Medical Reunion (also called Emergency Reunion or Return of Minor Child)

If you face a major medical emergency overseas, this insurance can transport loved ones from your home country to be by your side.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Atlas America, and Liaison Travel Plus

Personal Liability

If you're caught in a legal dispute in a foreign country, this insurance can help with the costs.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Safe Travels USA Comprehensive, and Liaison Travel Plus

Trip interruption

If you have to end your trip unexpectedly, this coverage would ensure reimbursement for the covered amount for non-refundable, unused travel expenses that canceling your plans mid-trip incurs.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Atlas America, and Liaison Travel Plus

Kidnap & ransom insurance (K&R)

Kidnap and ransom insurance, sometimes known as K&R insurance, is designed for business employees traveling abroad to high-risk regions of the world. Executives and high-profile employees can be more vulnerable to kidnapping than other travelers. Kidnappers may request large sums of money in exchange for their victim's safety. Kidnap and ransom travel insurance protects businesses and their employees.

Plan with this benefit: Atlas America

24/7 Medical and Travel Assistance

This benefit offers the insured medical assistance around the clock, which can be very beneficial when you're traveling across different time zones.

Plans with this benefit: CoverAmerica-Gold and Liaison Travel Plus

Border Entry Protection

If you're turned away from a country's border due to lack of necessary documents, vaccinations or any other reason, this insurance can help keep you safe while you get everything sorted out.

Plans with this benefit: CoverAmerica-Gold, Liaison Travel Plus, and Atlas America

Political Evacuation

Political evacuation entails the evacuation of individuals in cases of crisis due to political unrest or military action. It can safely remove you from catastrophic situations where your safety and well-being is at risk.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Liaison Travel Plus, and Atlas America

Telehealth

If you're unable to get to your medical appointments or need remote medical monitoring, this benefit can help.

Plans with this benefit: CoverAmerica-Gold, Patriot America Plus, Liaison Travel Plus, and Safe Travels USA Comprehensive

While some of these benefits might not be that pleasant to think about, the main rule with travel insurance comes down to this: it's far better to have travel insurance and not need it than to not have travel insurance and need it. If you have any questions about these or other benefits, please don't hesitate to reach out to our Customer Success Team.