Medical Travel Insurance

International medical travel insurance offers medical coverage to people traveling outside their home country. Travelers have the option to receive Primary Medical coverage, or Secondary Medical coverage. Although both Primary Medical coverage and Secondary Medical coverage can act as a traveler’s primary medical insurance while traveling, the term “Primary” and “Secondary” refer to which insurer is first to receive a claim. Primary Medical coverage will pay a claim even if a traveler has other medical insurance, while Secondary Medical coverage will only pay the amount left over after claiming from the primary insurer.
In addition to medical travel insurance coverage, policies may include a variety of other travel insurance benefits. These benefits may include, but are not limited to Trip Cancellation and Trip Interruption, Accidental Death & Dismemberment, Travel Delay, and Baggage and Personal Items Loss. Similar to Travel insurance policies, International medical insurance policies with the benefit Trip Interruption provide protection from unforeseen circumstances during a trip. Coverage can extend from one day to five years, depending on the policy, and may include the Renewable Policy benefit to allow travelers to extend their coverage beyond their initial return date. Medical travel insurance policies are popular among student travelers, immigrants and US visitors. Policies can also satisfy requirements for travelers obtaining their Schengen Visa. Travel medical insurance can also benefit travelers who are looking for long term medical coverage.