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TYPES OF TRAVEL INSURANCE

Medical Travel Insurance

 

 

Anyone who has seen a hospital invoice for even the most basic of care (especially in the U.S.) may shudder when considering the cost and complication of seeking medical help while traveling uninsured. Illness or injury outside your home country can be a daunting prospect, but assuring you’re covered isn’t as frightening as you may think. Travel medical is generally more affordable than most comprehensive plans because it’s typically not offered with ‘package plan’ benefits, such as cancellation, baggage, trip delay and interruption. The focus on solid medical and evacuation coverage will save you some dollars.  

Important note on Travel Medical: Coverage is only valid outside the insured’s home country (the country where they are a citizen). American citizens, your motorcycle trip to Sturgis will unfortunately not be covered.  

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Who Should Buy This Coverage

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Those traveling outside their home country

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Individuals or families looking for affordable, basic coverage

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Adventure or humanitarian travelers

 

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What’s Covered

 

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Medical/Dental

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Medical Evacuation

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Accidental Death & Dismemberment

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What’s Not Covered

 

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Coverage in your country of citizenship

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Some plans may limit or exclude coverage for non-U.S. citizens visiting the U.S. (due to higher medical costs in the U.S.)

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Cancellation/Interruption Coverage

In Summary Those of you at risk or simply looking for basic medical insurance while abroad — you know who you are. For some, this is the only coverage you’re concerned about. Fortunately, travel medical can be a stand-alone policy to keep it cost-effective. Medically-covered and money-saving? Your parents would approve.