What is Travel Medical Dental Coverage?

Travel medical dental coverage protects travelers from financial loss in the event they experience an unexpected dental emergency during their trip. This coverage is often included within a plan’s Emergency Medical benefit.

What Does Travel Medical Dental Coverage Include?

If you experience a dental emergency while traveling, such as a chipped tooth to a dental infection, you may be covered by your plan’s Emergency Medical benefit. Most plans will reimburse related medical expenses up to the coverage limit outlined in your policy’s Certificate of Insurance.

Dental expenses that may be covered by your travel insurance policy include:

  • Emergency dental treatments
  • X-ray examinations
  • Anesthetics
  • Laboratory tests
  • Prescription drugs

What Does Travel Medical Dental Coverage Not Include?

Travel medical dental coverage is only designed to cover unexpected dental expenses relating to an accident to sound and natural teeth that occurs while you’re traveling. The following scenarios likely won’t be eligible for reimbursement through your policy:

  • General check-ups and routine cleanings
  • Dental pain that started before you purchased your policy
  • Damage to false teeth, dentures, or braces
  • Teeth whitening procedures
  • Elective/non-emergency dental surgeries

Travel Medical Dental Coverage Deductibles

Some travel insurance policies have deductibles that must be met before you’re eligible for coverage. These deductibles, if applicable, are typically low, ranging from $50-$250. A deductible can be charged per policy, per person, per occurrence, or as a combination of the three.

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