Travel Health Insurance or Travel Medical Insurance

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Travel Medical Insurance

Purchasing a  travel medical insurance  policy is one of the crucial aspects of traveling nowadays. Without an insurance policy, tourists may not know what to do when an unexpected medical situation arises. Accidents, illnesses, sicknesses, injuries, and more can crop up anytime, anywhere- all you need to do is be prepared!  Travel insurance  plans keep you prepared for the worst and safeguard you financially. 

Whether you need a quick doctor’s visit or require hospitalization for broken bones, a comprehensive plan can cover you for all the eligible medical expenses. NRIOL.net has some of the popular travel medical insurance plans suitable for every category of traveler. As everyone wishes to travel hassle-free, we ensure that we live up to peoples’ expectations and enjoy a joyful vacation. 

If you are planning to make an international tour outside the US soon, contact us! 

Travel medical insurance

Popular Travel Medical Insurance Plans

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Visitor Secure

$33/mo

For age 45 years with $50,000 plan and $100 deductible
  • Available for ages from 14 days old to 80yrs and above
  • Choice of plan maximum limits ranging from $50,000 to $130,000
  • Choice of deductible options from $0, $50, $100
  • Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Includes coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
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Patriot Travel

$72/mo

For age 45 years with $50,000 plan and $250 deductible
  • Available for ages from 14 days old and above
  • Choice of plan maximum limits of $50,000 to $1 million
  • Choice of deductible options of $0 to $2,500
  • Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid-19
  • Includes coverage for non-chronic Acute Onset of Pre-existing conditions
  • Coverage from 5 days to 2 years
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Diplomat Long Term

$173/mo

For age 45 years with $500,000 plan and $250 deductible
  • Available for ages from 14 days old to 80yrs and above
  • Choice of plan maximum limit choices of $500,000 and a $1 million
  • Choice of deductible options of $0 to $5,000
  • Includes coverage for Hospitalization, ER, Urgent Care, Dr. Office Visits, Prescription Drugs, Covid -19
  • Includes Unexpected recurrence of a pre-existing condition( for US citizens)
  • Renewal Coverage from 5 days to 2 years
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iTravelInsured

$20/mo

For age 24 years
  • Choice of plans; Travel Lite, Travel SE, Travel LX
  • Includes coverage for trip cancellation, trip interruption, emergency medical & post-departure travel coverage
  • Rental Car coverage and Theft coverage
  • Pre-Existing Condition Waiver available if purchased within 24 hours of final trip payment
  • Optional Cancel for Any Reason (CFAR) / Interruption for Any Reason (IFAR) add-on benefit available
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What is travel medical insurance? 

Travel medical insurance international  is designed to help travelers cover their medical expenses during a trip outside the US. The truth is that any standard domestic plan will cover you only inside the US or may have limited coverage outside the US. Also, government-sponsored programs (e.g., Medicare) do not cover health care in international places. Travel medical insurance will cover you during unforeseen medical emergencies and reimburse your bills up to the plan’s limits. 

The plans can cover your medical fees and hospitalization costs for any new illness or injuries sustained during the trip. It can also cover dental emergencies, ambulance services, doctor bills, surgeries, drugs and medicines, lab tests, X-rays, treatments and anesthetics, medical evacuation, and repatriation, and more. However, these plans may not cover pre-existing conditions, preventive care, pregnancy, maternity, etc. 

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Advantages of Travel Medical Insurance

    • Expensive medical bills- Travel health insurance  covers travelers’ unforeseen medical expenditures that can happen anytime during the trip, including COVID-19. 
    • Medical emergencies– The plans cover hospitalization bills during medical emergencies, intensive care, and even surgeries. 
    • Medical evacuation– The plans cover you for evacuation and safe transfer to the nearest qualified medical facility in case of a medical emergency. 
    • Prescription and drugs– The insurance policy offers coverage to prescription and drugs for any new illness or injuries. You do not have to pay from your pocket. 
    • Pre-existing conditions– Based on the purchased policy, it may cover the acute onset of a pre-existing physical ailment and its medical treatment

Why Choose us for Travel Medical Insurance?

    • A wide range of plans– NRIOL.net offers numerous  travel insurance  plans that cater to various categories of travelers and their needs. 
    • Affordable rates– Customers can find comprehensive and fixed benefits plans at affordable rates. The former plans have higher premiums, while the latter have lower premiums. 
    • Proper guidance– Our customers receive excellent advice from our team to make the right decision before heading towards their destination country. 
    • Notable presence– NRIOL.net is an esteemed insurance company in the US, and our  travel medical insurance international  plans are recognized inside and outside the US. 
    • Offers COVID-19 coverage– Our  travel medical insurance covers COVID-19  and is highly popular among travelers who make international trips outside the US. 

Best Plans for international Travel Medical Insurance

  • Visitor Secure

    Visitor Secure is meant for non-US citizens coming to the US or traveling outside their home country. The plan is ideal for groups, friends, relatives, and families visiting the US and students leaving their home country to study abroad. The plan provides limited coverage with sub-limits to all the benefits and includes coverage for acute onset of pre-existing conditions and COVID-19. The members can visit any doctor, clinic, or urgent care in the area.

  • iTravelinsured

    iTravelinsured offers full travel benefits to beginners and experienced travelers. The plan covers trip cancellation, trip interruption, trip delay, medical evacuation, repatriation of remains, natural disaster evacuation, search and rescue, baggage loss and delay, sports equipment rental, and more. Overall, iTravelinsured can be a perfect plan for travelers who want to protect their trip from accidents and mishaps. 

  • Atlas Travel

    Atlas Travel is designed for US and non-US citizens traveling outside their home country. It includes coverage for acute onset of pre-existing conditions that are non-chronic and congenital in nature, COVID-19, optional coverage for personal liability, AD&D, crisis response coverage, adventure sports coverage, trip interruption, and more. Outside the US, the members can go to any doctor, clinic, and urgent care. 

What is the cost of travel medical insurance?   

The cost of travel health insurance depends on several factors like the traveler’s age, duration of the trip, deductible, and policy maximum. Apart from these, the premium will be higher if you want to add riders for optional coverage. To know the exact quotes, you can fill out the form on our site or call us. 

Why do you need travel medical insurance?

    There are a few reasons why you need a travel insurance plan. 

    • Medical treatment is expensive overseas. You must pay money from your pockets to meet all the medical expenses if you get insured or contract any disease, including COVID-19. This can leave a hole in your pocket. But with a travel medical insurance international plan, your eligible medical expenses are covered. 
    • Gives you a stress-free vacation. Whether you want to be evacuated from a remote location to the nearest hospital or want urgent medical attention for your sudden asthma attack, your plan can cover you for eligible medical emergencies. 
    • Takes care of your non-refundable trip costs. Suppose there are instances where your flight gets canceled or delayed or you cancel the trip. In that case, your purchased plan can reimburse you the non-refundable trip expenses only if it covers travel-related benefits and canceled due to a covered reason.

In a nutshell, travel health insurance can save you a lot of money in an unfamiliar land. So why not purchase one and enjoy its benefits! 

What does travel medical insurance cover? 

Members can be reimbursed for unplanned, emergency medical costs that can occur during your trip. Typically, a plan covers medical expenses, dental emergencies, medical evacuation, accidental death and dismemberment, emergency assistance, and more. The benefits come with specific coverage amounts that vary from one plan to another. Go through the brochure and choose one that satisfies your travel needs. 

FAQS

  • Who should purchase travel medical insurance?

    Travel health insurance plans are designed for various categories of travelers. If you are a US citizen or resident of the US and wish to make some international travel plans for business, leisure, or a short stay with your family, you can purchase these plans. Plans are available for non-US citizens travelling outside your home country as well. 

  • What are the age restrictions?

    There are no age restrictions for purchasing an insurance policy. The plans are available to travelers of 14 days old to 99 years of age. However, the premium and policy maximum change with the age. 

  • Does travel medical insurance cover COVID-19?

    NRIOL.net has travel medical plans that cover COVID-19, but not all plans  cover COVID-19. Read the brochure or talk to the executive to know what your plan includes and excludes

  • What is the difference between travel medical insurance and travel insurance?

    Travel medical insurance is specifically designed to meet health and medical needs, while travel insurance is catered to travel-related benefits like trip cancellation, trip delay, trip interruption, baggage, and personal loss, and more. Some travel medical insurance plans that cover outside the US may or may not cover trip cancellation benefits. Check the policy wordings before purchasing. 

  • Do I need travel medical insurance?

    Though it is not mandatory by law to purchase an insurance plan for flying to different countries, it is recommended to get one if you do not want to lose out on all your money on medical expenses. Without an insurance plan, you must pay the medical bills from your pocket if you fall sick or get injured on vacation. 

  • How can I get the quotes for travel insurance?

    You can get the quotes from our site. The site has a form where you need to fill in the correct data. You will be given a list of plans with benefits and quotes. For more information, you can call us or drop us an email. 

  • Do I need health insurance for Canada?

    Canada has public healthcare system for its citizens and permanent residents. Anyone visiting Canada for business or leisure needs to take care of the medical cost if they fall sick. So, health insurance is necessary. 

  • What is excluded from travel health insurance plans?

    Each plan has its exclusion list. Losses due to pregnancy, abortion, venereal disease, mental or nervous disorders, nuclear radiation or radioactive contamination, attempted suicide, medical tourism, high-risk sports, war, or military actions are generally excluded. However, looking at the brochure is recommended. 

  • Does travel medical cover trip cancellation?

    Depending on the policies, some may cover you for trip cancellation and trip interruption only if the trip is cancelled for a covered reason.  

  • How much does travel insurance cost?

    Each plan comes with different coverage benefits and premiums. For example, if you choose a plan with fixed benefits, the premium will be low, but the premium will be higher if you choose a comprehensive plan. 

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