Travel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits.
Travel medical insurance is a type of international insurance for travelers who are leaving their home country designed to cover emergency health care costs and evacuations incurred while traveling or vacationing abroad.
Depending on the company selling it, it is sometimes called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.
It is worth getting because travel medical insurance is what will provide you with medical coverage when you get sick or injured, reimburse you when your camera breaks, your flight is canceled, if lose a bag, or something is stolen.
These plans are for travelers leaving their home country that are concerned with coverage abroad. Many insurance plans don’t cover you once you leave the US, and an accident or illness abroad would not be covered.
Some medical plans offer a few trip insurance-like benefits such as minimal trip interruption coverage, coverage for lost or delayed baggage and even trip delays.
This is a nice additional benefit, but if you are looking for true trip insurance benefits you should look at that type of plan.
While some travel medical plans will cover a few package-like benefits, the typical travel medical plan does not cover trip cancellation, trip interruption, baggage loss, travel delays and other benefits typically associated with package plans. Travel medical plans are meant for the overseas traveler seeking medical insurance protection outside their home coverage network.
Be sure to read all terms and conditions carefully to be sure the policy provides the types of coverage you’re looking for and is valid in Mexico. And don’t be afraid to ask an expert there to help you choose a policy.
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