Travel Medical Insurance-Types of Travel Insurance
Travel Medical policies are for travelers who are going overseas and need medical insurance. When you travel outside your home country, your health insurance from home might not cover you. If it does, the limits might be too low to cover the expenses, or it might not cover your medical evacuation costs.
Travel Medical insurance is sometimes called International Medical Insurance or a Medical Protection Plan, depending on the company selling it. In general, all of these names refer to medical insurance that covers you while outside your home country.
Travelers that might need a Travel Medical plan include:
- Business travelers working overseas
- Travelers visiting family abroad
- Long-term travelers
- Missionaries
As opposed to a Package Policy, a Travel Medical policy provides very specific coverage for the policyholder.
What does Travel Medical insurance cover?
A Travel Medical policy focuses on medical-related coverage. These benefits include:
- Emergency Medical Treatment
- Emergency dental treatment
- Medical Evacuation
- 24/7 Assistance
- AD&D
- Baggage (on some policies)
How is a Travel Medical insurance different from other types of travel insurance?
A Travel Medical policy is for travelers who do not need the extensive coverage of a Package Plan, but do need the medically related coverage. Some Travel Medical policies include a few elements of Package Plan style coverage, but it is not as extensive and the coverage amounts are not as high.
How much does Travel Medical insurance cost?
Since Travel Medical insurance does not provide Trip Cancellation and other Package Plan benefits, the cost can be much lower. In general, the premium amount for a Travel Medical plan is based on:
- The length of the trip
- The age of the traveler
- The amount of coverage
Where should I get a quote/buy Travel Medical insurance?
There are two options for buying travel insurance.
- Buy direct from the insurance company- Most travelers like to go directly to the travel insurance company website to get a quote and purchase a plan. Travel Medical insurance is available for purchase online using a credit card, and you can get a quote and buy a plan in under 10 minutes. You will find links to each company below.
- Use a comparison website- The other option is to use a comparison website to purchase Travel Medical insurance. Much like Expedia.com or Travelocity.com, comparison sites allow you to compare prices from al companies side-by-side.
What companies sell Travel Medical Plans?
There are several travel insurance companies that sell Travel Medical plans. The list below describes the benefits of each company and their plans.
HTH Worldwide- This company specializes in Travel Medical plans, which include 2 single-trip plans called TravelGap Voyager and TravelGap Excursion, and a multi-trip plan called TravelGap Multi-Trip. These plans are competitively priced, and they have varying levels of medical coverage and deductibles. Read our full review of HTH Worldwide
Visit HTH Worldwide’s website here
Seven Corners- Seven Corners also specializes in Travel Medical and Major Medical insurance, and have a large variety of plans for all trip types. They offers 4 different Travel Medical plans under the name Liaison, including: Liaison International, Liaison Worldwide, Liaison Majestic, and Liaison Continent. These plans have varying benefits, and many levels of coverage and deductible to choose from. Read our full review of Seven Corners
Visit Seven Corners’ website here
Travel Guard- Travel Guard has a wide variety of plans, including a Travel Medical plan called Worldwide Health. This plan provides medical coverage up to $1M, and is for trips from 5 days to 1 year. Read our full review of Travel Guard
Visit Travel Guard’s website here
Travel Insured International- Travel Insured International offers a Travel Medical plan called Medical Protector. Read our full review of Travel Insured International
Visit Travel Insured International’s website here
