Health Insurance Blog

What is Travel Insurance?

Posted by:
Carson Cheetham
May 19, 2023
Travel insurance comes in handy when you're out of the country for a period of time and have medical emergencies. Take the extra step to stay safe.

One thing you might want to consider when planning your next trip is getting travel health insurance. Now this might not be your top priority when your next big trip is coming up but I am here to inform you on some important information that might change your mind. When I say big trip I don't mean your next road trip Zions national park. I'm talking about your trip to the Bahamas or any other country. If you have a standard health insurance plan you will be covered for an emergency situation if you are still within the states. When traveling outside of the U.S that is when it gets a little tricky.    

So what exactly is travel health insurance?

       - Travel medical insurance is a supplemental health insurance plan that will cover you while traveling outside of the U.S either short term or long term, but it is only valid while traveling. This type of health insurance is essentially just to cover you in a medical emergency, not for you to get a check up on your sore back or any preventative care. It is also very affordable and can easily be added into your vacation budget. Most policies average from $40 to $80. Now obviously the longer you are traveling and the higher coverage limits the more the plan will cost you.

What exactly is covered?  

Travel medical insurance is meant to cover most medical emergencies but not your regular care you would receive at your primary care office.
These emergencies include:
       - Broken bones
       - Heart attacks
       - Strokes
       - Emergency dental procedures
       - E.R Transportation
       - Emergency repatriation  

All in all, travel medical insurance is going to benefit you in many ways, and is something to really consider for your next big trip coming up. Even if you are only going to be out of the country for just a week, how low the cost of these policies are, you could potentially save yourself a lot of money. Now where I really think you will benefit from getting travel insurance is when you will be out of the country for more than a week, maybe a month or even longer up to 6 months.

You don't wanna be that person or family you hear about from a friend or family member that goes on a trip and something major happens and someone got significantly hurt and they didn't have insurance and now they are in huge financial debt. Don't be that someone, be the one that is prepared and lookout for yourself and your family.

Get Free Advice