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International Travel Medical Insurance - What Makes a Good Plan


One of the important things to include when traveling is travel medical insurance. It should be on everyone's travel checklist. No one plans to be injured or ill while traveling or spending time in another country, but it can happen. If you are in another country and need medical attention, doctors and hospitals usually want to be paid. They know that if they are not paid, there is almost no chance that they will be paid seriously. This means that a traveler should take this seriously.

Travel medical insurance is not the same as travel insurance. The two are often confused. Diets may have similar and overlapping benefits, but the purpose of these diets is not the same. Medical plans should cover medical expenses with travel and travel allowances. Travel insurance is to cover the cost of the trip in whole or in part if a person cannot participate in the trip. The reason for not being on the trip could be due to a car accident on the way. This could be due to a strike on a cruise ship. Travel insurance covers the loss of money spent on the trip or cruise if certain covered events occur.

Travel agents usually offer travel insurance. Insurance agents who offer international medical insurance may also offer travel coverage plans. An insurance license is required to offer international travel health insurance. International health and medical insurance is a specialty of the insurance industry. Few agents handle this. As with any specialty, finding a knowledgeable and experienced international insurance agent is very important as not all plans are the same. Health insurance plans for international travel are intended for travel outside of a person's home country.

Travel medical insurance plans generally fall into two types. These are regular compensation or benefit plans that provide specified dollar benefits for specified medical services. For example, a scheduled benefit program might pay $ 50 for a doctor and $ 1,000 per day for hospital costs. Planned benefit plans are frequently used by visitors to the United States because this type costs less and with older visitors, over 70, in fact covers more than more comprehensive plans. Full plans are the best choice if possible for visitors to the United States under the age of 70.

There are also plans which are like the main health insurance plans. These plans offer wider and less restricted coverage. Both types of plans generally exclude pre-existing health conditions or have limits on coverage for pre-existing health conditions. It is best to consult an agent who is experienced and who manages international insurance plans on a daily basis so that you can give you good advice tailored to your situation.

A good travel health and medical insurance plan would include the following benefits.
o Policy Medical Maximum - Plan choices can range from $ 50,000 to $ 1 million. The maximum medical available is generally limited to $ 50,000 or less for people aged 70 or over.

o Deductibles - these are usually per insurance period and may be limited to 3 per family. Deductibles can be $ 0, $ 100, $ 250, $ 500, $ 1,000 or $ 2,500
o Coinsurance - this is the amount an insured pays for eligible medical expenses before the insurance coverage pays any benefits. The coinsurance can be 0%, 10%, 20%, 30% or 50% of the next $ 5,000 to $ 10,000 in medical expenses after the deductible is reached. Once this goal is met, the plan would then pay 100% of eligible medical expenses up to the selected medical maximum.
o Plans include coverage for room and board costs in the hospital
o Plans include coverage of local ambulance costs
o Plans include coverage of intensive care unit costs
o Plans include coverage of outpatient treatment costs
o Plans include coverage for physiotherapy costs

o The plans include coverage for other medical expenses as stated in the plan. Take a look at these and what is excluded

o Hospital allowance - this is an additional benefit that pays a certain amount for days spent in a hospital.

o Coverage for a dental emergency - If the insured has an accident that injures their teeth or

o Emergency Medical Evacuation Coverage - this benefit covers transportation to the nearest medical facility qualified to handle your life-threatening situation. This does not mean that the person will be returned to the United States by plane. There are ways to cover this, but it's a whole different thing. This advantage is often misinterpreted. Better to ask specifically.

o Emergency medical meeting coverage - a benefit to provide transportation, accommodation and meals to a family member or other person who may also join the insured.

o Repatriation coverage - this is the return of the remains to a person's home in the event of death. This advantage is often misinterpreted. It applies in the event of death. It is best, if it is not clear, to ask specifically as for an emergency medical evacuation.
o Home Country Incidental Coverage - this is coverage for the time you may be spending at home while traveling. For example, a person can travel abroad for six months. He or she might be home for a few weeks in the middle of the trip. Accidental home country coverage is what would cover those two weeks
o End-of-Trip Coverage - this is the coverage you can have after your trip is finished and you return home. This varies widely by plan and can be very important in how an accident or illness while traveling is covered when you get home.

o The benefit period - this is the period during which the plan will cover the insured person (s). In addition to the benefit period, plans should also have end-of-trip coverage.


o Medical expenses from an act of terrorism - This is coverage if an injury is caused by a terrorist attack. The plans that cover generally exclude nuclear, chemical or biological events.

o Accidental Death and Dismemberment Coverage - this pays if someone is killed in an accident, loses a limb or loses their sight.

o Natural Disaster Compensation - additional amounts to help cover the costs of alternative accommodation in the event of a natural disaster
o Coverage for dangerous athletic cyclists - many plans exclude sports and activities that they consider dangerous. Some plans have the option of covering these sports and activities. It's a good idea to check the exclusions and what the optional jumper will cover.

o Travel Coverage and Additional Assistance - may include trip interruption, loss of baggage, loss of documents, travel assistance, travel alerts, political evacuation, contact details for doctors, lawyers and replacement prescriptions and proof of insurance visa letter for countries that require this
o Plan renewal - Some insurance plans are neither renewable nor extendable after the plan is in effect. Some insurance plans may be extended during your trip. It is important to verify this.

Health insurance for international travel is an important and valuable part of safe and secure travel. It is best to familiarize yourself with it when you are calm and don't need it at that time, perhaps before you go on a trip. Traveling can be confusing. You could be on a long flight. You may be in a different time zone. You might be in a country where you don't speak the language. Hope you don't get sick or injured, but if you do, it's important to have the best travel health insurance you can get.

John K Arnold is the President of John K Arnold Insurance, Inc. I am a Managing General Health Insurance Agent with over 28 years of health insurance experience. I work in all areas of health insurance including National Individual Insurance (US), Employer Group Insurance, Employee Benefit Plans, Medicare Supplements, Benefit Plans Medicare, Medicare Part D prescription plans, International health insurance, International travel insurance, Immigration insurance, and International Group Insurance. I also work as an expert witness in health insurance for lawyers. My websites provide a great deal of information on health insurance as well as plans. As a general managing agent, I am able to offer carrier contracts for national and international insurance to qualified agents. Florida Health Insurance Website - Individual, Small Group, Large Group, Medicare Health Insurance and Medicare Benefit, Supplement

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