Short Answer The Emergency Medical benefit within a travel insurance policy provides coverage for the necessary expenses when visiting a licensed physician to treat an unforeseen illness or injury that occurs while traveling.
More Detail Only treatment for unforeseen illness or injuries can be covered. Any routine doctor visits or check-ups will not be covered under this benefit. The treating physician must be a licensed practitioner in their field and may not be you, a traveling companion, or a family member. Additionally, some policies also include coverage for dental visits due to unexpected damage to sound, natural teeth while traveling. Generally, you will be required to pay for medical care out of pocket and file a claim for reimbursement when you arrive home. On a case-by-case basis, pre-certification of payment for your hospital fees may be available, however, it is not guaranteed.
This information can vary based on the travel insurance policy. Please review the policy certificate to verify coverage. If you have questions about a specific policy, please contact us directly at 800-240-0369. Our customer service representatives are available from 8am to 10pm ET seven days a week and are delighted to help!