What if I become ill or injured while I’m traveling?

It’s an uncomfortable fact that illness and injury can befall on anyone, anywhere – whether it’s the Norovirus on a cruise ship or a fall in the streets of Rome. Are you willing to take the chance you will remain healthy and uninjured during your next trip? Travel insurance gives a strong safety net in case something unpleasant happens while you’re traveling.

Both travel medical plans and standard comprehensive policies offer varying levels of coverage if you become ill or injured on your trip. The benefits for illness or injury found in these plans cover situations like reimbursement for emergency medical care, financial protection to recoup losses if the trip is cut short and medical evacuation services in cases where transportation is necessary. Read your policy thoroughly to understand the medical coverage and exclusions.

Most travel medical plans, with some exceptions, are intended to act as secondary coverage – that is, they offer benefits beyond your primary medical insurance coverage. The first step to purchasing travel medical insurance is understanding the limits of your primary medical insurance. Typically, your travel plan will only kick in once your primary plan excludes coverage.

Any travel insurance benefits will typically be received on a reimbursement basis, so you’ll be responsible for paying your costs out of pocket and saving your receipts. Once a claim is filed and approved, you’ll receive reimbursement directly from the provider. The only exception to this rule tends to be for emergency medical evacuation services. Generally, the provider will arrange for the transportation up front, removing you from the payment process.

Some plans may be available where the provider pays your medical costs upfront. Call our licensed travel insurance experts at the number at the top of your screen to see if those plans are right for you.

Are you interested in having travel medical insurance as your primary medical insurance during an extended trip? Check out the Major Medical Insurance information.

Updated by on 2/24/15.
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