Summary: Travel health insurance for medical emergencies and evacuations while traveling outside your home country.
Best for: Travelers headed outside their health insurance network and short-term visitors to the U.S.
Extras: Optional coverage and upgrades are available for specific types of travelers, including business travelers and athletes, for example.
Medical 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.
Single trip travel medical plans typically provide coverage for:
- Emergency medical expenses, doctor’s fees and hospital stays
- Prescription medications
- Emergency dental
- Emergency medical evacuations and repatriation
- Return of minor children and emergency reunions
- Accidental death and dismemberment (AD&D)
Optional riders for specific needs and activities
A number of optional riders are available for those purchasing single trip travel medical insurance, including:
- Pre-existing condition exclusion waivers
- Athletic and sports coverage for participation in team/contact sports
- Hazardous activity coverage for scuba diving, skiing, mountain climbing, sky diving, etc.
Some plans provide additional benefits
In addition, some single trip travel medical plans offer features such as:
- Baggage coverage
- Trip interruption coverage
- Trip cancellation coverage
- Term life coverage
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
- Optional riders