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.
What is Travel Health Insurance?
Domestic health insurance covers things like wellness check-ups, vaccinations, illnesses and injuries while you’re in your home country. However, not all health insurance covers you when you leave the country. That’s why you need to scour the fine print on your health plan. You need travel medical insurance if you’re only covered for domestic insurance. That goes for Medicare, too. Medicare typically covers its enrollees only when they’re in the United States.
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 and food poisoning. It also helps with transportation, evacuation and in extreme cases, death. Here’s what you can expect travel health insurance to cover:
- 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 Not Cover?
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 or another 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