Ready for a getaway? Travel health insurance (also known as international health insurance) might be important when you take your next trip. Here’s what you need to know and where to get it.
The Best Travel Health Insurance:
- Best Overall for Travel Health Insurance: Allianz Global Assistance
- Least Expensive Travel Health Insurance: Seven Corners
- Best for Travelers with Purpose: IMG
- Best for Tech-Savvy Travelers: RoamRight
- Best for the Adventurer: World Nomads
- The Best Travel Health Insurance:
- What is Travel Health Insurance?
- Who Needs Travel Health Insurance?
- Average Cost of Travel Health Insurance
- What Does Travel Health Insurance Cover?
- What Does Travel Health Insurance Not Cover?
- Best Travel Health Insurance Providers
- The World is Your Oyster, Protect the Shell
- Frequently Asked Questions
What is Travel Health Insurance?
Domestic health insurance covers things like wellness check-ups, vaccinations, illnesses
Travel health insurance (also known as travel medical insurance) is different than travel insurance. Travel insurance protects things like your financial investment in your travels, lost baggage and canceled flights. But travel insurance won’t help you with medical expenses while you’re abroad. International health insurance protects if you run into illness or injury when you travel outside of the U.S.
Who Needs Travel Health Insurance?
Anyone traveling abroad should consider travel health insurance. You never know when and where injuries or illnesses will pop up. When they do, you want the best health insurance possible. No matter where you go, travel medical insurance is a good idea.
Average Cost of Travel Health Insurance
Travel health insurance typically costs about $40 to $80 for a short trip. The factors that affect the cost include:
- Your age
- Trip length
- Medical and evacuation coverage
There are also 3 types of travel health insurance you can get:
- Single trip travel medical: As the name suggests, this is coverage for a single trip.
- Multi-trip travel medical: This covers you if you plan to take multiple overseas trips over a period of 3 months to 12 months.
- Long-term major medical: If you plan to be abroad for a long time — 12 months or more — this type of travel health insurance can cover you.
What Does Travel Health Insurance Cover?
No one makes plans to suffer an injury or illness when traveling, but that doesn’t mean you can’t plan for coverage just in case. Travel medical insurance helps you with minor emergencies like spraining an ankle, chipping a tooth
- Medical/dental costs
- Advance payments to medical facilities and emergency transport
- Emergency medical evacuation services
- Accidental death and dismemberment (AD&D) and travel accident benefits
- Emergency travel assistance
What Does Travel Health Insurance N
Travel health insurance is meant to cover your medical expenses when you visit another country. It doesn’t cover expenses related to your trip like:
- Trip cancellation due to weather, social unrest
oranother reason. Travel health insurance won’t cover the costs.
- Trip interruption: Travel health insurance doesn’t cover expenses you might incur if your trip is interrupted due to a strike or some other reason.
- Lost baggage
- Travel delays
Best Travel Health Insurance Providers
When the unexpected includes an accident or illness, travel health insurance comes to the rescue. You just need to sign up for it. Here are some of the best choices for travel health insurance.
1. Best Overall: Allianz Global Assistance
Allianz Global Assistance insures around 40 million customers yearly. Allianz touts affordable plans, straightforward benefits and easy claims processing. More than 80% of user reviews on Trustpilot give Allianz a 5-star rating.
The OneTrip Emergency Medical plan from Allianz includes emergency medical, emergency medical transportation, travel accident coverage and 24-hour hotline assistance. Preexisting medical condition coverage is also available. Unlike typical travel health insurance, this plan also covers nonmedical expenses, too, like travel delays, missed connections and lost/stolen/damaged baggage.
Additional benefits include a concierge service that helps you with personalized destination information and secures restaurant reservations, event tickets and even tee times.
2. Least Expensive: Seven Corners
Not all domestic health insurance plans follow you as you wander the globe, but Seven Corners helps you if you’re in a car or boat accident, injured, sick or even contract a contagious disease like malaria, yellow fever, typhoid or Zika. Seven Corners reminds travelers that even if a country they’re traveling to has nationalized healthcare, the nationalized healthcare doesn’t apply to nonresidents.
That means that if you’re just visiting a country with nationalized healthcare, you’re still responsible for your healthcare needs. Nationalized healthcare only applies to citizens of that country. Seven Corners offers multiple plans for all types of travelers and trips. The company even offers a “follow-me-home” feature that continues your medical care after your trip ends.
Seven Corners caters to students studying abroad so it offers some of the lowest rates for travelers.
3. Best for Travelers with Purpose: IMG
IMG understands that people travel for many reasons. It offers multiple plans with varying coverage if you’re traveling abroad briefly or long term. If your travel plans extend beyond traditional sightseeing and veer into studying abroad or mission-oriented trips, IMG offers many plans tailored to the purpose and the length of your trip.
Helpful to those 65 years and older, IMG has plans specially tailored to the senior traveler. Many travel health plans do not cover preexisting conditions. However, IMG makes coverage for the “sudden recurrence” of preexisting conditions available.
4. Best for the Tech-Savvy Traveler: RoamRight
You’ll enjoy every aspect of your travels much more with a little peace of mind and financial protection. RoamRight offers many options for coverage so you can focus on what you’re doing rather than worry about the “what-ifs.” Additional benefits from RoamRight include AD&D, dental, emergency accident and sickness, emergency medical evacuation
RoamRight can also help you locate doctors, hospitals or other medical care. Policy enrollment also includes full access to the RoamRight app that can help you with travel-related information, seek medical help and purchase medication.
5. Best for the Adventurer: World Nomads
World Nomads offers coverage for about 200 activities, including 40 extreme activities. You’ll find coverage beyond a standard illness or errant stumble. But even World Nomads has its limits. Policies cover adventurous, not risky, behavior. Coverage isn’t provided for things like if you’re under the influence of drugs or alcohol or if you get on a motorbike without a helmet or a license.
A conscientious adventurer can expect coverage for hospitalization, outpatient treatment for medical emergencies, prescribed medicines, X-rays and transport home (if medically necessary).
The World is Your Oyster, Protect the Shell
Whether your trip is the culmination of patient planning or a spur-of-the-moment impulse, travel medical insurance helps protect you if you’re injured or ill. It’s as important as finding the right place to stay. Travel health insurance is one of those things that you may not need but could be indispensable if you do need it.
Consider this: if you forget to pack a swimsuit for the beach or shoes for the walking tour, plenty of shops can help you out. But if you fail to purchase travel medical insurance before you leave, then you’re on the hook for some major expenses.
Frequently Asked Questions
1) Q: Is travel insurance required?
No, you’re not required to buy travel insurance. However, you will pay out of your own pocket if you injure yourself or need medical care while you travel. You may lose money if you have to cancel a trip and can’t get a refund. This could cost you thousands of dollars.
2) Q: What does travel insurance cover?
Most travel insurance plans cover medical emergencies, trip cancellation, medical evacuation, trip interruption, delays and lost luggage. Trvel insurance can also cover rental car damage, preexisting conditions and trip cancellation for any reason.
In a nutshell, travel insurance protects your, your stuff and your planned stay location as well as the experiences and excursions you plan to do.
3) Q: How can I save money on travel insurance?
Shop around. Look for the right travel insurance policy by comparing costs between companies. Buying your own travel insurance policy lets you tailor your coverage and you can make sure you’re getting the best price when you compare costs.