Travel Insurance Review

as-seen-on-header

  • Home
  • COVID
    • “Cancel For Any Reason” for COVID19
    • Travel Medical for COVID19
    • State Restrictions for COVID19
    • Airline Change/Cancellation Policies
  • Best Travel Insurance
  • Beginner’s Guide
  • Hurricane
  • Reviews
  • Tips & Advice
  • About
  • Podcast
You are here: Home > Buying Guide > Travel Medical > Long-term Major Medical

Long-term Major Medical Travel Insurance

Travel Insurance Buying GuideSummary: Comprehensive international travel health insurance for U.S. citizens and foreign nationals.

Best for: Extended travel (up to 3 and 5 years), expats living abroad, and immigrants coming to the U.S.

Extras: Optional coverage and upgrades are available for specific types of travelers, such as athletes, adventurers, and travelers who need to occasionally return home.

Features

US-style health insurance while abroad

When you leave your home country, your health insurance may or may not follow you. In the case of Medicare, it definitely does not cover you. If you do have coverage in a foreign country, it may be limited and may not provide transportation back home.

The coverage in long-term major medical travel insurance plans is much like what you’ll find in your health insurance back home.

  • Doctor visits
  • Preventative care
  • Diagnostic tests
  • Hospital stays
  • Emergency medical treatment
  • Prescription drugs

Some plans include preventative and emergency dental care in their coverage, and some plans have an optional dental rider instead.

Additional benefits for travelers

In addition, these plans typically include additional features such as:

  • Medical evacuations
  • Repatriation
  • Accidental death and dismemberment (AD&D)
  • Term life benefits

Optional riders for specific needs and activities

A number of optional riders are available for those purchasing long-term major medical travel insurance, including:

  • Pre-existing condition exclusion waivers
  • Athletic and sports coverage for participation in team/contact sports
  • Home country coverage for occasional trips to the traveler’s home country
  • Hazardous activity coverage for scuba diving, skiing, mountain climbing, sky diving, etc.

Factors that Affect Plan Cost

Factors that affect the pricing on long-term major medical plans include:

  • Policy maximum choice
  • Traveler’s age
  • Deductible choice (deductible options can vary widely from $0 – $5,000)
  • Destination (some plans define regions that are considered more dangerous and therefore increase the plan cost)

Get a quote nowInstant prices from all companies

About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

Get the Cheat Sheet

 Travel Insurance Review, Inc. BBB Business Review


ABOUT TRUST ONLINE
ustia

Popular Companies

  • Allianz Insurance
  • CSA Travel Insurance
  • Seven Corners Insurance
  • Travel Guard Insurance
  • Travel Insured
  • Travelex Insurance
  • TravelSafe Insurance

Learn about Travel Insurance

  • Beginner’s Guide
  • Coverage Guide
  • Tips and Advice
  • Company Reviews
  • Types of Plans
  • Types of Trips

Blog Article Categories

  • Learning
  • Types of Plans
  • Types of Trips
  • Coverage
  • General
  • In The News

Copyright © 2006-2019 Travel Insurance Review Inc. | XML Site Map<a title="XML Site Map"
Information on this Web site is provided for information purposes only. Any information obtained from this Web site should be reviewed with your Policy Certificate. Travel Insurance Review Inc. is not responsible for errors or consequences arising from your use of this information.