Travel Insurance | Travelers' Health (2024)

Travel Insurance | Travelers' Health (1)

Before you travel, consider getting travel insurance to cover yourself in case delays, accidents, or illness occur on your trip. Your current medical insurance may not cover care in another country. Also, some types of travel insurance help you cover costs if your travel is cancelled or disrupted.

There are different types of insurance you should consider: (1) trip cancellation or travel disruption insurance, (2) travel health insurance, and (3) medical evacuation insurance. These will cover different situations and may give you financial peace of mind, as well as allow for safe and healthy travel.

Trip Cancellation Insurance

Trip cancellation insurance covers your financial investment in your trip, such as flights, cruises, or train tickets. Carefully examine the policy to make sure that it covers what you need it to cover, including cancellation if you or a close family member gets sick. Depending on the policy, trip cancellation insurance might not cover any medical care you need overseas, so you may need a separate travel health insurance policy.

Trip cancellation insurance may allow you to make a last-minute cancellation or changes to your itinerary in the event of a disease outbreak. Be sure to check the fine print to see if your coverage includes disease outbreaks at intended travel destinations and if there are any restrictions.

Travel Health Insurance

If you need medical care in another country, you will likely need to pay out-of-pocket for any services. Even if a country has nationalized health care, it may not cover people who are not citizens. Before you go, consider your insurance options in case you need care while traveling. Travel health insurance is especially importantif you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding.

Check if your current health care covers emergencies that happen while traveling. Ask if your policy has any exclusions, such as for preexisting conditions or adventure activities. If your health insurance coverage is not adequate, consider buying a short-term supplemental policy. Look for a policy that will make payments to hospitals directly.

Medical Evacuation Insurance

If you are traveling to a remote destination or to a place where care is not likely to be up to U.S. standards, consider buying medical evacuation insurance. This can be bought separately or as part of your travel health insurance policy. Medical evacuation insurance covers emergency transportation from a remote area to a high-quality hospital, which could otherwise cost more than $100,000. Medical evacuation insurance may also evacuate people with certain infectious diseases whereas other evacuation companies may not have that capacity. Make sure that the policy provides a 24-hour physician support center.

Insurance Resources

This list is not all-inclusive, but these resources provide information about getting travel health and medical evacuation insurance:

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Travel Insurance | Travelers' Health (2024)


How much medical travel insurance is enough? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Do you really need travel health insurance? ›

Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding. Check if your current health care covers emergencies that happen while traveling.

Is high blood pressure a pre-existing condition for travel insurance? ›

Holidaymakers often ask: 'Is high blood pressure a pre-existing medical condition for travel insurance? ' The answer is simple – high blood pressure is classed as a pre-existing medical condition, so you do need to tell your insurance provider when applying for a policy.

Do I need to declare high cholesterol on travel insurance? ›

The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.

Is 100000 medical travel insurance enough? ›

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

Is 250000 enough for medical travel insurance? ›

If you read any of our other articles, you'll remember that we always offer a simple recommendation for Medical Insurance. Overseas travelers should have these minimum levels of protection: Medical Insurance Coverage - $100,000. Medical Evacuation Coverage - $250,000.

What conditions are not covered by travel insurance? ›

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

Do blood pressure tablets affect travel insurance? ›

Yes, when you take out travel insurance, you'll be asked whether you have any pre-existing medical conditions. You'll need to tell your insurer if you have high blood pressure and let them know about any other health issues you've been diagnosed with.

What type of insurance can be denied due to pre-existing conditions? ›

Firstly, thanks to the Affordable Care Act (ACA), insurers can no longer deny coverage or charge higher premiums based solely on pre-existing conditions. This has dramatically increased access to health insurance for individuals with chronic health issues.

Does being on statins affect travel insurance? ›

If you're taking statins for controlling cholesterol levels, let your insurer know before you take out a policy. Even though they're a very common medication, they can still affect how likely you are to make a claim. Your best bet is to declare any medication you're on, apart from contraceptive treatment.

Does taking statins increase travel insurance premiums? ›

People taking statins for high cholesterol could be seen as a higher risk - even if you're fully managing your condition by taking the medication. But if you're taking statins as a precaution and your cholesterol levels have never been raised, then the cost of your policy shouldn't be affected.

Do you have to prove illness for travel insurance? ›

Regardless, if you feel too sick to travel it's important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you're looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.

How much medical insurance do I need for travel to Europe? ›

A comprehensive travel policy with at least $50,000 in medical coverage is recommended when traveling to Europe or any country where you don't have health insurance. Travel medical insurance will cover expenses related to an unexpected injury or illness.

Is international travel medical insurance worth it? ›

Travel health insurance is worth considering if you're concerned about a medical emergency abroad. It offers worthwhile protection for medical emergencies and evacuations and can provide peace of mind.

What percent of trip should travel insurance cost? ›

According to NerdWallet analysis, the short answer to “How much does travel insurance cost?” is that it's typically 7% of your overall trip cost. For example, travel insurance will cost you an additional $70 (roughly) for a $1,000 trip.

What is the best medical insurance for international travel? ›

Consider getting multiple travel insurance quotes through to get an idea of the cost of coverage for your upcoming travel plans.
  • Allianz Travel Insurance: Best Overall.
  • AIG Travel Guard: Best for the Cost.
  • Generali Global Assistance: Best for Medical.

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