What is International Travel Medical Insurance? Why do I need it?

International Travel Medical Insurance provides health insurance coverage for travelers outside their home country. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more.? While the regular domestic private insurance or government sponsored health insurance programs may offer comprehensive coverage in your home country, few are designed for international travelers or expatriates. Even programs that cover international travel often provide limited benefits that do not normally cover medically supervised emergency evacuation, emergency reunion, or repatriation.

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Why do I need a travel protection plan if I have credit cards that include travel insurance?

Travel insurance from credit cards is usually limited to coverage for car rental damage, flight accidents or for accidental death while you are traveling. Also, this protection is in effect only when you pay for travel with that particular credit card. Most credit cards do not offer any coverage for travel medical expenses, evacuation costs, or trip cancellation expenses.

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Figuring out the Deductible in a visitor insurance plan

Deductible is the amount the insured is responsible for before the visitor insurance provider pays the claims. Most plans offer a choice of deductibles from 0 to $2500. Selecting a low deductible ensures that the insurance company will pay eligible claims starting from the very first claim. The plan premiums for low deductible visitor insurance plans are often much higher than that for a high deductible plan. Deductibles are sometimes applied per injury/sickness and some other plans apply a deductible for 12 months of the plan. If a plan has a $50 deductible per injury/sickness you will be responsible to […]

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