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Travel Health Insurance
To make the most of a trip, it's a good idea to plan ahead. Consider including international travel health insurance to your trip preparation. It's added peace of mind for unplanned situations that may come up. With rates starting as low as $1 per day, cheap travel medical insurance is a great way to free yourself up to have more fun and freedom on your trip. First, click below to see the personalized coverage and price options.
Next, complete the short application online and pay by credit card. Enrollment is not subject to medical underwriting, so you can’t be denied for pre-existing conditions and you can start as early as the day you apply.
Who could most take advantage of international travel medical insurance?
Most anyone who is temporarily leaving their home country can benefit. It’s medical protection and more for non-Americans while they are visiting family members in the U.S. It's also for newlyweds on their honeymoon, people who are celebrating a milestone event, someone who is planning to go on a missionary trip, or a person who is going abroad for business reasons.
How does travel health insurance work?
International travel medical insurance provides benefits to:
- A U.S. citizen while traveling out of the country, or
- A non-U.S. citizen while traveling in the United States or abroad, except in their home country.
The coverage period can be anywhere from five days to 12 months. The minimum age is 14 days old to be covered on travel health insurance.
Generally speaking, a travel and medical insurance policy helps you with expenses for sudden and unexpected injury and illness while you are traveling outside of your home country. Emergency travel benefits also include some non-medical expenses, such as lost luggage, lodging replacement due to a natural disaster, or assistance with a return trip home due to a covered incident.
We offer international travel health insurance through HCC Travel Medical Insurance Services, which syndicates with Lloyd’s of London to offer international coverage. Their plan offerings allow you to customize the policy. You select the deductible size, coverage limit, and the policy period you want.
If a covered incident was to come up, you would pay out of pocket until you reach the deductible amount, if applicable. After the deductible is satisfied, then, the insurance company will pay 80% of the next $5,000 of covered expenses. After that point, international travel medical insurance carrier will pay 100% of covered expenses up to the overall maximum limit.
What does international travel health insurance cover?
Below are some common points of interests for international travelers. Note that restrictions apply and that this list is not all-inclusive.
- Hospital charges for inpatient and outpatient services.
- Urgent care, providing It is not preventive or for a pre-existing condition.
- Prescriptions related to a covered injury or illness. The cost to replace existing prescriptions due to loss, stolen, damaged, or expired medicines is not covered.
- Emergency ambulance transportation.
- International Travel Medical Insurance covers health services rendered due to pregnancy complications.
- Medical costs for an emergency medical evacuation.
- Travel health insurance covers the return trip home if your trip is interrupted due to:
- The death of an immediate family member.
- Your home being severely destroyed.
- A medical necessity.
- Emergency dental services due to a covered accident.
- Medical expenses for illness or injury resulting from terrorism.
- Replacement accommodations if you are evacuated due to a natural disaster.
- Lost luggage.
What is not covered under travel medical insurance?
Again, this is not the whole list, but these are some of the main exclusions.
- Medical services for pre-existing health conditions.
- Traditional emergency room visits, unless you are admitted to the hospital.
- Routine or preventative services.
- Pre-natal care services.
- Costs that are over the usual, reasonable, and customary charges.
Can I get denied for pre-existing conditions?
Unlike many standard medical plans, international travel health insurance is not subject to medical review. This means you can’t be denied a policy due to health reasons. The pre-existing health conditions will not be covered, but you will be insured for other health conditions on your international travel medical insurance plan.
Can I cancel?
Travel insurance can be cancelled. There is no cost if you cancel before the travel dates. If you request cancellation during the policy period, the premium will be pro-rated and a $25 cancellation fee added.
