Travel Insurance With Home Country Coverage

What is Home Country Travel Insurance Coverage

When traveling abroad, especially for an extended period of time, situations may arise that require you to briefly return home before returning to your destination.

Home Country Coverage is a travel insurance benefit that provides you with medical coverage for the duration of a brief, unplanned trip home during a covered trip. In the event you get unexpectedly ill or injured, this benefit can cover related medical costs up to the policy’s coverage limit.

This type of coverage is ideal for travelers who may have paused their personal health insurance for the duration of their trip abroad.

Not all travel insurance policies include this Home Country coverage. Exclusions, coverage limits, and eligibility requirements may differ by policy.

FAQs: Home Country Travel Insurance Coverage

What Does Home Country Insurance Cover?

Travelers may take an incidental trip home for a variety of reasons, such as tending to an unforeseen work emergency or attending a family member’s funeral. Home Country Coverage is designed to cover unexpected medical expenses incurred during a brief, unplanned return to your home country during a covered trip.

Having coverage during these trips home can save you from sizable out-of-pocket medical payments if you don’t already have insurance, or suspended your primary insurance for the duration of your trip. Most policies that offer this benefit can cover unforeseen hospital bills, doctor visits, ambulance rides, and other expenses.

The policy limits, meaning the maximum dollar amount an insurance company will reimburse you, can vary. Some travel insurance plans will set a reduced medical policy maximum for treatment needed while in your home country, ranging from $5,000-$10,000 per person.

What Coverage Limits Apply in My Home Country?

Most travel insurance providers that offer Home Country Coverage will enforce limits on the number of days they will provide coverage during an unplanned trip home. This can range from 5-14 days depending on the policy.

Home Country Coverage is strictly a travel medical benefit, and is not designed to cover your personal items, flights home, accommodations, or expenses related to other types of travel disruptions.

Please be aware that coverage and eligibility requirements for this benefit differ by policy.