The simplest form of travel insurance is a travel medical policy, which covers you for major emergency medical expenses.
Many travelers new to travel insurance don’t fully understand the options they have. One of the simplest options is a travel medical policy, which covers emergency medical expenses and medical evacuation expenses.
If you are looking for travel insurance but do not need trip cancellation insurance, most agents recommend a travel medical policy. Travel medical insurance usually covers:
- Emergency medical expenses
- Emergency dental expenses
- Medical evacuation
- Accidental death
Travel medical policies are usually cheaper as well, since there is no trip cancellation coverage. For example: a 30 year old traveler from the US is visiting family overseas, and needs travel medical coverage. For around $40 per month, they can purchase basic travel medical coverage that will cover emergency medical situations.