Do I Really Need Travel Medical Insurance?

That’s a good question. Travel Medical Insurance is an excellent investment for some people; but for others, it may be a waste of time and money. As with any travel insurance policy, you need to ask the right questions to determine whether or not it’s the best fit for you.

People who may benefit the most from buying travel medical coverage will generally fit one or more of these criteria:

  1. Traveling outside your home country (always call your primary medical insurance provider to find out what they will cover when you’re abroad).
  2. Insured through Medicare, which does not provide any coverage at all for out-of-country travel.
  3. Older travelers, or those with a history of medical problems.
  4. People traveling for six months or more — Major Medical plans can not only help you in case of an emergency while you’re traveling, but can also provide you with wellness care and coverage for prescription drugs if needed.

There are several different types of Travel Medical Insurance, ranging from the basic Single-Trip Medical plans to Multi-Trip plans, Major Medical coverage, and plans designed exclusively for medical evacuation. It’s important to first investigate what kind of medical insurance you already have, and what kind of benefits it will provide to you during your trip, before making a decision about purchasing travel medical insurance of any kind.

Written by on 8/25/13.
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Question:


My medical insurance will provide coverage overseas bit only at the "non-network" rate which means I will have a fairly large deductible. Will medical travel insurance cover my deductible for my primary policy?
JamesD,
05/11/2014

Answer:


Typically, yes, theses plans are designed to cover you for your out-of-pocket expenses that are not covered through your primary insurance. However, because we are a comparison site, the plans provide coverages differently. The easiest way to help you narrow the search is to call us at 800-487-4722 and we can help find the best plans for your particular concerns.
NicholeH,
Customer Care insureMyTrip
05/11/2014
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I am going to be traveling to Europe and would like to know what type of additional coverage I would need. I am currently covered by Medicare and a United Health Care supplemental plan.
Nazeer,
04/19/2014

Answer:


Unfortunately, without knowing your specific concerns, we are not able to provide an answer as to what coverage you need. However, we can make a suggestion based on your travel needs. The easiest way to help you narrow the search is to call us at 800-487-4722 and we can help find the best plans for your particular concerns.
NicholeH,
Customer Care insureMyTrip
04/19/2014
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