What Is Travel Medical Insurance & What Does It Cover?

What Is Travel Medical Insurance & What Does It Cover?

Whether you’re planning a trip overseas for business or for pleasure, having international travel medical insurance is indispensable. No matter where you are, unforeseen incidents and mishaps can happen out of the blue, which is why it’s so important to be prepared. 

By purchasing travel medical insurance, you can have peace of mind knowing that you’ll be covered in the event that you are injured or become ill and need to seek medical attention while abroad.

What Is Covered By Travel Medical Insurance?

Travel medical insurance is a form of short-term health insurance that protects individuals when they are traveling outside of their home country.

Medical insurance for travel can offer coverage and benefits including hospitalization, emergency medical evacuation, repatriation, urgent care visits, prescriptions, and more for new and unexpected injuries or illness that occur overseas.

Additionally, some travel medical insurance plans can also offer coverage for lost baggage, lost passport or travel documents, missed international connections, natural disasters, trip delay, and trip interruption for covered reasons.

What Are the Benefits of Travel Medical Insurance?

There are several key benefits to having a travel medical insurance plan when journeying abroad to consider when deciding on whether or not you need travel medical insurance.

Protection for Accidents

Knowing you have coverage in case of an accident will allow you to worry less on your vacation. When you know you’re covered against major potential risks, you can travel with peace of mind and enjoy your vacation to the fullest.

Theft & Loss Coverage

If you’re a victim of theft overseas and have lost your wallet or valuables, you may get immediate assistance with arrangement of cash or another bill settlement service from the insurance provider.

Emergency Medical Evacuation Coverage

Knowing you’re protected in the event of emergency evacuation following political unrest. Most travel insurance plans have international assistance and arrangements for emergency or medical evacuation of travelers.

Assistance Navigating International Healthcare Systems

If you find yourself in a complex situation and require a local resource or translator, your plan may provide assistance. For example, if you were in another country where people didn’t speak your native language, would you know which hospital to approach? Are you familiar enough with the local language to inform them about your problem?

In that case, your travel medical insurance service provider can facilitate emergency services to help you navigate these conversations. Help from your insurance provider can be just a call away.

Safety Net for Financial Risks

Your travel health insurance policy offers you comprehensive financial protection against many kinds of risks during your overseas tour.

How Much Travel Medical Insurance Do I Need?

When traveling abroad, it’s important to secure a comprehensive travel medical insurance plan for the best possible coverage. Comprehensive travel insurance plans offer high policy maximums and excellent benefits for international travel.

Typically, it is recommended to have at least $50,000 in coverage for international travel. However, how much travel medical insurance you will need will also depend on a number of other factors, such as your age and destination. Older travelers are often recommended to get higher policy maximums since there is more risk involved with traveling abroad.

How Much Is Travel Medical Insurance?

The cost of a travel medical insurance plan will vary from plan to plan. Factors that can affect price include the policy maximum amount, deductibles, the length of your trip, and benefits such as pre-existing conditions coverage.

On average, you can expect a travel medical insurance plan to cost between $200 and $300.

Is Travel Medical Insurance Worth It?

Travel medical insurance is an excellent investment for individuals who want to be protected in the event of the unexpected. For a relatively small up-front premium payment, you can secure health coverage for your international trip to protect yourself against a financial burden in the event that you are ill or injured abroad.

How to Get Travel Medical Insurance

At VisitorsCoverage, we provide necessary knowledge and information to help you find a suitable travel medical insurance policy. Protect your emotional, physical, and financial well-being while you are on a foreign trip by purchasing a travel medical plan.


Does travel insurance cover medical expenses?

A travel medical insurance can cover eligible medical expenses for new and unexpected illnesses or injuries that occur during one’s travels.


What isn’t covered by travel medical insurance?

Travel medical insurance can have certain limitations and exclusions for coverage, including pre-existing conditions. It’s important to read your policy’s description of coverage to understand what is and isn’t covered under your plan, as these will vary from plan to plan.


Does travel medical insurance cover pre-existing conditions?

While most travel medical insurance plans do not cover pre-existing conditions, there are some plans available that offer this benefit. Learn more about travel insurance for pre-existing conditions.


What should I expect to pay for travel insurance?

Travelers can expect to pay anywhere from 4-10% of their total trip cost on trip insurance, and roughly $200 to $300 on a travel medical insurance plan, although cost will vary depending on the plan.


Do you really need travel health insurance?

Travel health insurance can provide a vital safeguard for travelers, protecting them against medical expenses incurred abroad and lost prepaid trip expenses due to a multitude of reasons.


Does Obamacare cover international travel?

Most healthcare plans under Obamacare do not offer coverage abroad for medical emergencies.


Where can I buy travel medical insurance?

You can purchase travel insurance quickly online through trusted providers such as VisitorsCoverage.