If injured abroad and the injury requires surgery, does the insured have the option of returning to the US (if the needed surgery is not immediately required) for surgery under the policy terms?
The policies provide Trip Interruption coverage in the event you had to interrupt the trip for a covered reason and return home early. The number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel, by order of a licensed physician; or the unforeseen hospitalization or death of a family member. To see all of the covered reasons to cancel or interrupt your trip, please click on the dollar amount that appears under the words "Trip Cancellation" when viewing a quote. If you are hospitalized during the trip and the attending physicians deem it medically necessary for you to be transported home for further treatment or to recover, as long as you are stable, this is something typically covered under the Evacuation benefit. When viewing quotes, please click on the amount listed below Evacuation to see exactly how this benefit works as each plan is different. Medical expenses are only covered for illnesses or accidental injuries that occur during the trip and during the coverage period. Once you return home and the trip is over, the coverage ends.
I am looking for insurance for short road trips/stays in the USA for medical coverage. What is your best plan for this?
For travel within the United States, you would have to purchase a comprehensive plan if you were looking for Medical coverage. Our comprehensive plans include many different benefits ranging from Trip Cancellation to Medical and Medical Evacuation. The single trip medical plans only provide coverage when you are traveling outside of your home country.