What Is Travel Insurance Medical Coverage? (2024)

Types of travel medical insurance coverage

The two most common types of travel insurance to purchase for medical coverage are comprehensive plans and medical-specific plans. Each covers medical-related costs differently.

Comprehensive travel insurance: With a comprehensive travel insurance plan, travelers will have travel medical coverage as a part of their coverage. If you experience an unexpected illness or injury during your trip, you may file a claim for covered medical and dental expenses. The policy may also offer coverage for the following if you experience a covered medical issue: trip cancellation or interruption, emergency evacuation, and accidental death. Coverage will vary by plan, so be sure to check yours for the specifics.

Medical travel insurance: Medical travel insurance plans are designed specifically to cover gaps in your primary health insurance while you're travelling internationally. While they can cover certain medical costs, they don't offer travel-related coverage options.

Learn more about how travel insurance plans work.

What is emergency medical evacuation insurance?

If you get sick or injured during your trip, emergency medical evacuation insurance can help provide transport assistance to a medical facility suitably equipped to treat you, if your physician deems necessary. Standalone medical evacuation plans are available, but this coverage may also be available through comprehensive and travel medical insurance plans.

Most companies that offer emergency medical evacuation insurance cover the cost to transport you to the nearest adequate facility. But some plans available from Progressive travel insurance through InsureMyTrip may offer a benefit that lets you choose which hospital you go to, possibly for an additional cost. This is known as a "hospital of choice" benefit, and availability ranges by plan.

Is treatment for pre-existing conditions covered?

Treatment for stable pre-existing conditions isn't automatically covered by travel insurance. Emergency medical coverage is automatically included on all comprehensive travel insurance plans. This emergency medical coverage can work in conjunction with your health insurance, or in place of it, to help reimburse the cost of emergency medical care while traveling.

The majority of comprehensive travel insurance plans will also cover pre-existing medical conditions at no additional charge if you qualify for and obtain a pre-existing medical conditions waiver. This waiver prevents the insurer from considering your recent medical history when evaluating a claim. Without the waiver, the insurance company may look back in your recent medical records and use any relevant information to deny your claim. If you're concerned about pre-existing conditions, ask about a medical conditions waiver before purchasing travel insurance.

Does travel insurance cover cancellation due to illness?

Trip cancellation and trip interruption, even for medical reasons, is typically only covered by comprehensive travel insurance plans. If you're concerned about an illness causing you to cancel your trip or cut it short, consider a comprehensive plan with trip cancellation and trip interruption coverage. For the most cancellation flexibility, consider the optional cancel for any reason (CFAR) coverage option. However, this benefit is time-sensitive and has other eligibility requirements, so not all travelers will qualify.

Do I need to purchase a new plan every time I travel?

Some medical travel insurance and emergency medical evacuation insurance policies from InsureMyTrip include annual plan options covering multiple trips so you don't have to buy a new plan every time you travel. Comprehensive plans from InsureMyTrip are only available per trip.

How to file a medical travel insurance claim

If you need to file a claim because you experience an illness or injury on your trip, call the plan provider before receiving treatment or a medical evacuation. If you're unable to contact your insurer immediately, be sure to call as soon as possible. Otherwise, the insurance company may deny your claim.

When you file your claim with the insurance company, you'll need to provide documentation of your illness or injuries, the treatment you received, and how much it cost. Be sure to get copies of your records before leaving your treatment facility, as it can be difficult to get records from a foreign country after you return home. If you need to be evacuated to receive adequate medical care, your insurance company must approve the evacuation and will likely arrange the transport.

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What Is Travel Insurance Medical Coverage? (2024)


What Is Travel Insurance Medical Coverage? ›

Travel medical insurance helps cover the cost of many emergency medical treatments during a trip. If you're traveling and have an unexpected illness, medical condition or injury that's covered by your travel medical insurance, you typically will be reimbursed up to the plan limits.

Is medical travel insurance worth it? ›

“When you've made a financial investment in your trip or need to protect your health when you travel, travel insurance is 100% worth it. Travel insurance can reimburse you for prepaid, nonrefundable trip expenses if you need to cancel or interrupt your trip for a covered reason.

How much does travel medical insurance cost? ›

The Best Travel Medical Insurance Plans for 2024
CompanyAverage Plan CostCOVID-19 Coverage
Travelex GET QUOTE$212Yes
Faye GET QUOTE$298Yes
International Medical Group GET QUOTE$217Yes
AIG Travel Guard GET QUOTE$251Yes, limited
1 more row
May 13, 2024

What is not covered by travel insurance? ›

Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.

How does travel insurance work if you get sick? ›

Does travel insurance cover cancellation due to illness? Travel insurance with Trip Cancellation coverage will cover you if you, a traveling companion or family member come down with an illness before your trip and an in-person visit to a doctor certifies that you're too sick to travel.

What is the difference between travel insurance and medical travel insurance? ›

Medical insurance for travel is specifically designed to cover any medical expenses you may incur while traveling. Travel insurance, on the other hand, provides more comprehensive coverage, including things like trip cancellation, lost luggage, and emergency medical evacuation.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

Which health insurance is best for international travel? ›

Consider getting multiple travel insurance quotes through TravelInsurance.com 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.

Does travel insurance cover doctor visits? ›

Medical expenses and emergency evacuation

If you travel within the U.S., your health insurance should cover any illness or injury you sustain. If you're traveling abroad, though, your plan may provide little or no coverage. The right travel insurance should cover doctors' fees and hospital bills, Durazo said.

What is the best travel insurance for seniors? ›

Top 9 Best Senior Travel Insurance Companies of 2024
  • Faye: Our top pick for seniors.
  • Travelex: Our pick for families.
  • Berkshire Hathaway Travel Protection: Our pick for luxury travelers.
  • Nationwide Travel Insurance: Our pick for cruise travel.
  • Generali Global Assistance: Our pick for emergency assistance.
May 13, 2024

What are two disadvantages travel insurance? ›

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

Does all travel insurance include medical? ›

Comprehensive travel insurance: A comprehensive travel insurance plan often includes travel medical coverage. If you experience an unexpected illness or injury during your trip, you may file a claim for covered medical and dental expenses.

Do airlines include travel insurance? ›

When you buy an airline ticket, flight insurance is usually offered as an add-on directly from the airline, or from other companies such as Expedia or Travelocity. Flight insurance that provides compensation for plane tickets only may be offered by smaller airlines when you book a trip.

Should I get travel medical insurance? ›

If your insurance provider will cover healthcare costs in the country you're traveling to, buying coverage can still help lower your expenses and reduce potential out-of-network costs for any emergencies that may arise. This is also the case if you're traveling on a cruise ship.

How much medical coverage do I need for travel? ›

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 I need additional medical insurance when traveling abroad? ›

Emergency medical coverage is included within some comprehensive travel insurance policies but can also be purchased on its own. Even if you have a primary U.S. insurance plan, including Medicaid or Medicare, odds are it will help very little (or often not at all) while out of the country.

Is travel healthcare worth it? ›

Yes! With more money, flexibility, career options, travel perks, and personal growth, it's still one of the most exciting nursing opportunities in 2024.

What are two disadvantages of travel insurance? ›

Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.

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.

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