When you think about travel medical insurance, you probably only think about the coverage it provides if you have a medical emergency during your trip.
We get that; that is the main focus of getting a travel medical insurance policy. However, there is so much more to travel medical insurance, and it includes many benefits that you might not know about.
Let's look at some of the lesser known benefits of travel medical insurance that enhance the value of your policy and keep you more than protected on all fronts.
Hidden Benefits of Travel Medical Insurance
Here are some of the lesser known benefits of getting a travel medical insurance plan.
| Benefits | 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, and Atlas America. |
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, and Safe Travels USA Comprehensive. |
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, and Atlas America. |
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, and Safe Travels USA Comprehensive. |
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, and Atlas America. |
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. Plans 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 . |
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 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, 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, and Safe Travels USA Comprehensive |
Why Is Travel Medical Insurance Important?
Travel medical insurance offers a vital safeguard for travelers, especially in emergency situations.
Most travelers will not be covered for medical expenses under their home country's insurance policy when traveling abroad.
Travel medical insurance gives you the protection you need for eligible medical expenses if you were to have an accident or get sick during your trip.
With all the additional benefits you receive listed above, travel medical insurance is well worth the investment to keep you safe and supported while venturing out into the world.
Secure Your Trip With Travel Medical Insurance
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.
Compare our available travel medical insurance plans to secure coverage for your international vacation. If you have any questions about these or other benefits, please don't hesitate to reach out to our Customer Success Team for friendly assistance.
