Travel Medical Insurance – Don’t Leave Home Without It!
Summer is just about here and people are looking towards their upcoming vacation plans that many have worked so hard to plan. If your summer travel plans will take you outside the borders of the United States then you will want to consider purchasing one of two types of insurance products. The type of insurance product you will want to purchase will depend on how you planned your trip and for how long you plan to be gone.
Let’s talk about two of the most commonly purchase types of International Insurance people buy, “Travel Insurance” and “Trip Cancellation”. Usually these types of products are used for trips that are for short periods of time and generally they will not be longer than a few weeks in length. When people talk about Travel Insurance many times what they are most likely referring to a product we call Trip Cancellation. Trip Cancellation Insurance is a product you will want to consider if you have already pre-paid or you are planning to pre-pay some or all of the costs of a future trip in order to help protect the investment made.
Travel Insurance policies are designed to safeguard against any unforseen financial loss related to airline cancellations, loss related to a tour, lost baggage, flight delays, terrorism illness and more. In addition they also include medical protection designed to help protect against unexpected illness. During your trip you may need to see a doctor, have a prescription filled, receive care at a hospital, or deal with an unexpected medical emergency. Also in these plans you will generally find benefits for emergency medical evacuation should the need arise.
Other important benefits falls under the area of Pre-Existing Conditions. Many of these types of plans will have some limited benefits in the event treatment is required due to the onset of illness related to a pre-existing condition. Some companies like HTH Worldwide will waive the Pre-Existing Condition Exclusion as long as you meet three requirements. And, the condition is not limited to a smaller amount of coverage. HTH Worldwide will cover up to the medical limits of the policy.
HTH Worldwide offers a product called TipProtector – which is a comprehensive plan that offers travel protection PLUS travel medical insurance. TripProtector includes medical protection, trip cancellation, trip interruption, baggage protection and more. HTH’s TripProtector boasts a complete set of services to help you identify, access and pay for healthcare services in over 180 countries. With TripProtector if you follow some basic requirements you can have the exclusion waived for pre-ex.
The three requirements that must be met in order for HTH Worldwide to waive the pre-existing condition exclusion are:
- The payment for the TripProtector plan is received prior to/or within 24 hours of your final trip payment for your Covered Trip; and;
- You are not disabled from travel at the time you pay your plan payment; and;
- The booking for the Covered Trip must be the first and only booking for this travel period and destination.
Getting a quote for the TripProtector plan is easy to do. Once you find a rate you like you simply select the plan of choice and complete the process online. Get your free quote now by clicking on the button…
The other type of travel insurance is what we call Travel Medical which basically is a short-term plan similar in design to our domestic short-term insurance plans. Seven Corners offers the Liaison International Medical Insurance plan which is designed to cover you outside your home country from a few as 5 days to 187 days or less of coverage. Even if you have comprehensive medical insurance at home, such coverage may either be of no use to you or invalid while
abroad. Liaison International not only provides medical coverage for conditions that develop or accidents that occur while abroad, but other valuable benefits such as emergency evacuation and assistance services as well. Your home country insurance company rarely offers these features.
Each year, millions of people travel outside of their Home Country, beyond the boundaries of their medical insurance. If you are concerned with the potential out-of-pocket expenses that could result from an injury or illness while traveling, Liaison® International offers medical coverage and emergency services to individuals and families traveling outside their Home Country.
Whether you are an U.S. Citizen planning a trip outside the border of the United States or a Global Citizen needing coverage for travel outside your home countries borders the Liaison International can fill your need for temporary coverage.
Underwritten by United States Fire Insurance Company. (Except certain states underwritten by Certain Underwriters at Lloyd’s of London)
- Medical maximum: $50,000; $100,000; $500,000; or $1,000,000
- Coverage period: Minimum Purchase is 5 days; Maximum is 6 months
- Virtual ID cards available immediately after purchase
- Global access to assistance 24 hours a day, 365 days a year
- Dental (sudden relief of pain): up to $100, class 1 individuals
- Emergency medical evacuation/repatriation: up to $300,000
- Accidental death & dismemberment (AD&D): up to $25,000
- Terrorism (Except certain states underwritten by Certain Underwriters at Lloyd’s of London)
- Waiver of pre-existing conditions up to $20,000 – See exclusion #1 in the Brochure for full details
In an earlier post we highlighted another Travel Medical plan that is offer through HTH Worldwide. The TravelGap Travel plan offers two plan choices and one of the options will cover pre-existing conditions as long as you have a current U.S. domestic health insurance policy. Read this post now.
As always feel free to call with questions (619) 435-6700 or email us at “firstname.lastname@example.org“. If you would like to shop other International Medical Insurance plans visit our website at www.Individualhealth.com.