International Travel Health Insurance – Does My Health Insurance Cover International Travel?


Does my health insurance coverage cover international travel? You may think that you are covered for medical treatment when you are abroad, but is that always the case? Unfortunately, your health insurance coverage from your home health care provider may not cover you overseas, so it’s smart to have travel health insurance coverage. If you are traveling abroad for business, it’s also important to check with your employer whether they provide any kind of international travel insurance.

An example of a trip where travel medical insurance may be beneficial is if you are injured while abroad and require hospitalization. Most people already have some form of medical coverage in the United States, either through their work (group or private) or Medicare. If you are traveling outside of the United States, Medicare will not provide you with the financial resources you may need to fund your trip’s costs. In addition, Medicare only pays for the medical expenses you have incurred within the United States, so you would not be covered if you were injured in a foreign country and needed medical treatment you would be able to afford in the United States. This is why it’s important to consult a travel medicare specialist before taking a trip away from home.

Some companies do offer “temporary travel insurance” that will cover the entire expense of a one-month trip to another country. The catch is that the coverage is only good for the one-month trip. For a two-month trip or more, this can be a huge savings. However, even if the trip is only a few days long, it’s still worth inquiring about travel insurance.

Because medical insurance plans tend to be very pricey, travelers often wonder if they can get help abroad if they fell ill or got an accident while traveling. Does my health insurance cover medical travel? Unfortunately, there is no health care coverage in places that are not American. If you get sick or injured while traveling abroad, you will have to find a way to pay for the medical treatment you need. In many cases, this will mean taking out a loan or getting a loan out of your own pocket. For this reason, travel insurance may not be the best option.

If you’re unsure whether or not your travel insurance will cover you overseas, there are some things you can do to see if it will at least cover a portion of your trip expenses. Many credit cards offer frequent traveler benefits that include coverage abroad. Also, look at all of the options you have in your current medical insurance policy. Often, you can choose to add coverage abroad should you become injured or fall ill.

When searching for travel insurance online, you can choose to purchase the basic plan which offers global coverage and emergency medical assistance in twelve countries. If you would like more detailed coverage, you can purchase a plan that will allow you to visit up to thirty countries. There are also plans that allow you to make payments in advance for treatment or recovery. If you are traveling to underdeveloped countries, you may want to consider paying for your treatment in cash, since most insurance companies won’t cover the expense. Regardless of the options you choose, you should familiarize yourself with the different types of coverage so that you can select the right one for your needs.

In the United States, it’s easy to obtain, affordable, and reliable travel insurance. Most insurance companies offer personal and group travel insurance, and there are several national agencies that provide international medical insurance. Although some insurance companies don’t offer travel insurance, there are many others that do. Because medical travel insurance tends to be very expensive, it’s critical to research and compare the various options before purchasing a policy.

The best way to compare travel medical insurance quotes is to find travel insurance online. You can save time and money by searching directly online, and can instantly receive multiple quotes from different companies. After you receive the quotes, you can then use them to get a better idea of the prices from each travel insurance company. This allows you to focus on finding the policy that provides you with the most comprehensive coverage at the least expensive price.