When traveling abroad, make sure that you have adequate international travel insurance. Because Medicare and other US health insurance outfits (HMO, employee group, PPO plans) do not cover medical expenses incurred overseas, it is essential to have some form of medical insurance for overseas trips. Travel insurance international can provide just that protection.
With travel expenses showing no signs of abating, last minute cancellations can mean substantial loss. The trip cancellation benefits of travel health insurance international can ensure that the traveler is not penalized for cancellations of non-refundable reservations.
All travel insurance international plans offer medical coverage. While one type of travel health insurance international plan also offers trip cancellation benefits, the other offers only medical coverage. Medical coverage includes emergency medical evacuation.
In case the traveler is unable to go on the trip as scheduled because of a covered reason, the travel health insurance international plan covers the expenses that are non-refundable. Some of the covered reasons include death or illness of the plan holder, traveling companion or family member, terrorism, weather, flight cancellation, and financial default of the travel supplier. The plan also provides lost baggage and travel delay protection, and lost passport and travel rearrangement assistance benefits.
The travel health insurance international plan covers the treatment of sudden medical conditions, and includes physician consultation, and hospitalization charges. It also covers related expenses such as surgery (if needed), medication, and diagnostics. In case of emergency, medical evacuation to the nearest or chosen qualified medical facility is also covered.
The international travel cancellation insurance plan with trip cancellation benefits is available only to U.S. residents. The maximum medical benefit of the plan is $ 25,000 with a possible extension of the limit to $ 50,000. Medical evacuation is covered up to $ 500,000. The maximum medivac benefit of this travel insurance international plan is $ 500,000.
In case of the travel insurance international plan with no cancellation benefits, you can select the maximum benefit that you are comfortable with—right from $ 60,000 to $ 100,000. If you are a U.S. citizen covered under domestic US health insurance, you are covered for pre-existing conditions up to the plan maximum, and if you are a non-U.S. citizen, the travel health insurance international plan can cover pre-existing conditions up to $ 3,000.
International trip cancellation insurance protects protect health and travel investments, helping the overseas traveler get the most out of the trip. Travel insurance international can help a traveler enjoy international travel to the maximum, no matter the circumstances.