Travel Medical Insurance Guide
What is travel medical insurance?
Is travel medical insurance necessary?
How is travel medical insurance different from other types of insurance?
Trip insurance benefits in some plans
What does travel insurance cover?
What is travel medical insurance?
Travel medical insurance is a type of international insurance for travelers leaving their home country to visit, or in the case of OCC, undergo weight loss surgery. It is designed to cover emergency health care costs and evacuations incurred while traveling or vacationing abroad.
Depending on the company, this insurance may be called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.
Is travel medical insurance necessary?
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 you lose a bag, or if something is stolen.
How is travel medical insurance different from other types of insurance?
These plans are for travelers leaving their home country that need to ensure they have coverage abroad. Many insurance plans don’t cover you once you leave the U.S., and an accident or illness abroad would not be covered.
Trip insurance benefits in some plans
Some medical plans offer a few trip insurance benefits, such as minimal trip interruption coverage, coverage for lost or delayed baggage or trip delays. This is a nice additional benefit, but if you are looking for the best trip insurance benefits, review the details of the various plans and choose the one that suits your needs.
What does travel insurance cover?
The following coverage is typically found in a travel medical insurance plan.
- Reimbursement for unexpected medical and dental costs due to emergency medical care due to an accident.
- Coordination of and payment for emergency medical evacuation services, including medical care providers to care for you until you reach an appropriate medical care facility.
- Reimbursement for Baggage Loss/Delay if your luggage is lost, delayed, or stolen.
- Flight Delay/Cancellation pays for accommodations, meals, and new travel arrangements once you’ve been delayed a certain amount of time
- Travel Document Protection helps you replace a passport or other travel documents when they’re lost or stolen.
- Travel Cancelation/ Interruption coverage in case you need to change your travel arrangements.
How to buy travel medical insurance?
You have two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance plan:
Compare plans from all companies: Compare travel insurance plans from all companies, get quotes, and buy online. You can also work with your local agent.
Quote and buy direct: Review the travel insurance companies and plans and purchase directly from the company.
Travel insurance companies and comparison sites
There are several companies that may provide travel insurance, please do your research when choosing a company, OCC does not make recommendations for any specific insurance companies.
Be sure to read all terms and conditions carefully to be sure the policy provides the types of coverage you want, and that it is valid in Mexico. And don’t be afraid to ask an expert to help you choose a policy.
