Travel medical health insurance
Travel medical health insurance

Today many of us enjoy traveling worldwide whether it is discovering new countries or returning to see loved ones back home. You want to make sure you have travel medical insurance in place to cover the unexpected. These plans are designed for travelers leaving their home country that are worried about coverage overseas. Most insurance plans provide no coverage once you leave the US, and an accident or illness abroad would not be covered.

Compare Travel Medical Plans

Travel medical insurance provides peace of mind by (typically) covering overseas medical treatments, hospitalizations, and medical evacuations, as well as trip reimbursements if you have to go home early.
Most policies also offer 24-hour assistance, coverage for terrorism incidents, and reimbursements for lost or stolen luggage. Always read the fine print to ensure you encounter no surprises when you try to make a claim.

Travel Health Insurance Plan

Travel Medical Plans typically offer a more comprehensive array of benefits than Trip Insurance (or Trip Cancellation) Plans, with an emphasis on medical coverage. These plans are suited to the traveler who is going abroad for a more extended period (1 week to a year) and is concerned with the risks of getting sick or injured while in a foreign country. The primary benefit is the emergency medical insurance which provides coverage should you get ill and need to see a doctor or go to a hospital

 

Plan Name: Voyager Choice, Voyager essential
Best For: The best plan for U.S. citizens traveling abroad wanting coverage for services related to pre-existing conditions.
Policy Maximum: $50,000; $100,000; $500,000; or $1,000,000.
Deductible: $0; $100; $250; or $500.
Eligibility: All U.S. citizens and legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible.
Length of Coverage: 7 days to 180 days (not renewable).
Coverage Area: Worldwide (Excluding the U.S.).
Pre-Existing Conditions: Coverage provided for pre-existing conditions for medical services and medical evacuation if concurrently covered by a primary health plan.

 

 

 

 

Tokio Marine HCC – Medical Insurance Services Group.
Plan Name: Atlas Travel Medical.
Best For: The best plan for short-term leisure, student, business or missionary travel abroad. Affordably priced.

Plan Options: Atlas Travel, Atlas Premium.

Policy Maximum: $50,000; $100,000; $250,000; $500,000; $1,000,000; or $2,000,000. 
Deductible: $0; $100; $250; $500; $1,000; $2,500; or $5,000.
Eligibility: most nationalities traveling abroad.
Length of Coverage: 5 days to 364 days (not renewable).
Coverage Area: Worldwide.
Pre-Existing Conditions: No coverage is available for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage.

 

 

Travel InsuranceIMG Global.

Plan Name: Global Medical Insurance.

Best For: Good option for budget-conscious individuals or local nationals looking for private medical insurance.  Plan Options: Patriot Travel Medical Insurance, Patriot America Plus. Patriot Platinum Travel Medical Insurance.

Policy Maximum: $50,000 to $2,000,000, $10,000 to $500,000,$ 1,000,000 to $8,000,000.
Deductible: multiple options 0 to $25,000.
Eligibility: Most nationalities up to age 74.
Length of Coverage:5 days Renewable up to 36 months.     
Coverage Area: worldwide.
Pre-Existing Conditions: for Patriot America Plus. Patriot Platinum Travel Medical Insurance Coverage for the sudden and unexpected recurrence of pre-existing conditions, Coverage for acute onset of pre-existing conditions.

 

Plan Name: VOYAGER.
Best For: The best plan for U.S. citizens traveling abroad wanting coverage for services related to pre-existing conditions.
Plan Options: CHOICE OPTION/ VOYAGER ESSENTIAL OPTION.
Policy Maximum: Options include $50,000; $100,000; $500,000; $1,000,000.
Deductible: $0; $100; $250; $500.
Eligibility: All U.S. citizens and legal residents of the U.S. (citizens and foreign nationals) who are age 74 or younger at the time of application are eligible.
Length of Coverage: 7 days to 180 days (not renewable).
Coverage Area: Worldwide (Excluding the U.S.).
Pre-Existing Conditions: Coverage provided for pre-existing conditions for medical services and medical evacuation if concurrently covered by a primary health plan.

 

Typical Plan Exclusions and Limitations.

All plans, domestic or international, will provide a list of exclusions for specific risks that they can not insure, including:
• Acts of War.
• Hostilities, Military Actions, Terrorist Acts, and Other Civil Commotions, whether the war has been declared or not.
• Nuclear Explosions and resulting nuclear fallout.
Many providers have their specific exclusions in addition to those above. These additional exclusions can be broad or narrow depending on the type of policy or the company that has issued the insurance. Be sure to review a plan’s exclusions as specified in the policy schedule

If you need more comprehensive coverage for a year or longer, consider an international medical Plan