Let's Talk Travel Insurance for Your Global Adventures
Inadequate Coverage of Medical Expenses Abroad by Typical Health Insurance Plans
What's the deal with your U.S. health insurance covering medical mishaps abroad? Well, buckle up, buddy, because the answer might surprise you. Generally, most health insurance providers in the States limit their coverage to domestic trips. But why? Well, foreign healthcare systems, languages, and currencies can be a tangled mess, and keeping insurance domestic makes things simple.
So, what do I get if I'm gonna rely on my health insurance overseas?
In short, it depends. If your health insurance does cover international travel, expect some strings attached. Here are a few common restrictions:
- Emergency care, not urgent: Health insurance companies tend to cover life-threatening conditions requiring emergency care. However, they usually don't cover illnesses or injuries that can't wait until the next day (urgent care).
- Copayments and deductibles: Even when U.S. healthcare plans cover international situations, there are usually substantial copayments and deductibles, sometimes amounting to a chunk of the total cost of treatment.
- Medical evacuation not included: Few U.S. healthcare plans provide coverage for medical evacuation outside the country. This is especially important to consider when visiting nations where medical care might be subpar.
- 24/7 proactive support and assistance: Relying on travel insurance built by world travelers means you gain benefits that you don't get elsewhere—especially from health insurance providers and legacy travel insurance providers alike. Our support team, available through our app, WhatsApp, or phone, provides 24/7 support and assistance, no matter where you are in the world.
Why should I opt for our whole-trip travel insurance?
Since most healthcare policies don't provide comprehensive medical coverage for trips abroad, and an increasing number of countries require proof of insurance, a holistic travel insurance policy is the way to go if you want to stay safe and secure while venturing far from home.
Our website's whole-trip travel protection covers your trip, your belongings, and your health. Essentially, it takes care of unexpected cancellations, interruptions, or medical emergencies that can pop up while you're traveling.
If you've got a pre-existing medical condition, no worries! You can still purchase our travel insurance as long as you buy your plan within 14 days of booking your trip, and are healthy enough to travel when you buy. Our plan also covers you if you experience pregnancy complications while traveling.
COVID-19 and insurance claims
Yes, viruses don't take breaks, not even on vacation. Our website covers health expenses related to COVID-19. If you become ill with COVID-19 before you depart, we'll cover your cancellation claim. And if you fall sick with COVID-19 while traveling, we'll cover your emergency medical expenses and trip interruption claims.
Got your back, 24/7
Our customer experience specialists are the ultimate jet-setters. They don't shy away from any destination, and they're ready to tackle any trouble that comes their way. After all, your time away is precious, and we're not here to waste it. That's why we're here for you 24/7, ready to help with any health-related incidents that might occur during your trip, as well as any other scenario that needs assistance.
Craving more epic travel stories and tips? Check out our blog right here.
Jet-set with confidence
- For travelers, relying on health insurance alone may not provide comprehensive coverage for medical emergencies abroad, making a whole-trip travel insurance a prudent choice for health-and-wellness protection during global adventures.
- Our travel insurance policy not only covers medical emergencies and unexpected cancellations, but also extends to protection for your belongings, making it a lifestyle choice for secure and worry-free trips.
- In addition to health coverage and travel protection, our travel insurance policy includes 24/7 proactive support and assistance, designed to help travelers cope with any health-related incidents or other issues that may arise during their trips.
