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Do you need travel medical insurance?

Many travelers ask themselves before having a trip abroad. Do they need overseas health insurance? The answer is not a simple one. There is no concrete answer due to the variety of factors that depend on your destination, age, and also your health. 

Whether you’re going on a short-term business trip or an extended vacation, medical insurance abroad is a must. No matter how healthy and fit you are, accidents and illnesses can happen anywhere, at any time. And if you’re in a foreign country, getting the medical care you need can be difficult and expensive. That’s where travel medical assistance comes in.

Before anything else, let’s have a definition of travel medical insurance. 

Visitor insurance is a type of insurance that provides coverage for medical expenses incurred while traveling outside of your home country. This can include costs for emergency transportation, hospitalization, and doctor’s visits. It can also cover expenses related to lost luggage or trip cancellation

Let’s take a look at some of the reasons that you might need travel medical insurance. 

You might need travel medical insurance if:

  • You’re going to a country with poor medical facilities- If you’re traveling to a country where the quality of healthcare is not up to par with what you’re used to, it’s important to have travel medical insurance in case you get sick or injured while you’re there. 
  • You’re going to be doing adventurous activities- If you’re planning on doing any activities that could put your health at risk such as bungee jumping, skiing, or parasailing it’s crucial that you have travel medical insurance in case something goes wrong. 
  • You have preexisting medical conditions- If you have any preexisting medical conditions such as diabetes, asthma, or heart disease it’s important to have travel medical insurance in case you have a flare-up while you’re away from home. 
  • You’re pregnant- If you’re pregnant, there’s always the risk of complications arising, no matter where you are in the world. For that reason, it’s important to have travel medical insurance if you’re pregnant and planning on traveling. 

Benefits of having a travel medical insurance 

Why Do I Need Travel Medical Insurance?

If you were a traveler and you were having a past experience with regard to medical situations or you just need security while you’re on a trip. Asking “Why Do I need Travel Medical Insurance” is always at the beginning of your thoughts.  There are always a few reasons why travelers need travel medical insurance. 

First, if you have a pre-existing medical condition, your regular health insurance may not cover you while you’re traveling.

Second, even if you’re healthy, the cost of medical care can be very expensive in some countries.

 And finally, if you’re traveling to a remote location or participating in adventurous activities, your health insurance may not cover you in the event of an accident or injury. 

What Does Travel Medical Insurance Cover?

Travel medical insurance policies vary, but most will cover emergency medical expenses incurred while you’re traveling. This can include transportation to the nearest hospital, hospital stays, and doctor’s visits. Some policies will also cover lost luggage or trip cancellation due to illness or injury. 

Benefits for INF- Elite Plan (0-69)

You are a Covered Person and eligible for coverage under the plan if you are in the eligible class defined below. For benefits to be payable the Policy must be in force, the required premium must be paid and you must be engaging in one of the Covered Activities described below.

Classes of Eligible Persons: All non-US citizen members ages 69 and under of the Policyholder who is traveling to the United States, Canada, or Mexico. Your Dependents (lawful spouse and unmarried children, subject to Dependent age limits in the state where the Policy is issued) are also covered if they are traveling with you and you have elected and paid for Dependent coverage.

How Much Does Travel Medical Insurance Cost?

The cost of travel medical insurance depends on a number of factors, including your age, the length of your trip, and where you’re going. For example, a policy for a 21-year-old traveler going to Mexico for two weeks would cost less than a policy for a 55-year-old traveler going to Australia for six months. 

When to Purchase Travel Medical Insurance?

Here are a few scenarios in which you should purchase travel medical insurance.

First, if you are going on a trip outside of your home country, your regular health insurance most likely will not cover you. This means that if you were to get sick or injured while abroad, you would be responsible for the entire bill. 

Second, even if your health insurance would cover you abroad, there may be some limits to that coverage. For example, your policy might only cover emergency care and not routine check-ups or prescriptions. It’s important to find out exactly what your health insurance policy will and will not cover before you leave on your trip so that you can plan accordingly. 

Examples of  When You Might Need Travel Medical Insurance. Below are a few examples of when it might make sense to purchase travel medical insurance: 

  • You are pregnant and planning to travel outside of the country 
  • You have a pre-existing medical condition 
  • You are going on a cruise 
  • You are traveling to a remote or dangerous location 
  • You are participating in an adventure sport such as bungee jumping or whitewater rafting 

What is the importance of travel medical insurance for relatives traveling to the United States? 

The importance of travel medical insurance for relatives visiting the United States is that it can provide coverage for medical expenses, evacuation expenses, and repatriation expenses. It can also provide coverage for lost or stolen baggage.

The following are other importance of having travel medical insurance:

  1. Protection Against High Medical Costs

One of the biggest reasons why travel medical insurance for relatives is important is because it can help protect against high medical costs. In the United States, medical care is very expensive. Even a simple visit to the doctor can cost hundreds of dollars. And if your relative needs to be hospitalized, the costs can quickly add up to tens of thousands of dollars or more. With travel medical insurance, you can rest assured knowing that your relative will be covered in case of any medical emergencies.

  1. Access to Quality Medical Care

Another reason why travel medical insurance for relatives is important is that it provides access to quality medical care. In the United States, we have some of the best hospitals and doctors in the world. With travel medical insurance, your relative will be able to receive treatment from top-notch doctors and facilities if they need it. 

  1. Peace of Mind for You and Your Family 

Finally, another reason why travel medical insurance for relatives is important is that it can provide peace of mind for you and your family. When your loved ones are miles away from home, it can be reassuring to know that they have coverage in case something happens. With travel medical insurance, you can have peace of mind knowing that your relatives are protected while they are away from home. 

Travel medical insurance is not mandatory, but it is strongly recommended by most travel experts. There is no definitive answer as to whether or not you need it, as it depends on factors such as your destination and your health. However, if any of the above scenarios apply to you, it’s better to be safe than sorry and get travel medical insurance for your trip.