Travel Medical Insurance
Medical / Health Insurance for Overseas Travel
Medicare and a majority of health insurance plans do not provide coverage when you are outside of the United States. Coverage in the policies that do cover you overseas are limited, in benefits, and the monetary maximums paid. You can choose travel medical insurance to cover any unforeseen medical expenses in any country(ies) you travel to.
A Story of How the Coverage Works
Travel Medical Insurance in Action…Dr. Mitchell’s Hiking Accident and How IM Global Saved the Day
While hiking during a vacation in Greece, Philip Mitchell, a retired ER physician, fell nearly 20 feet into a river gorge. He suffered a concussion, broken ribs, a collapsed lung, broken hip and pelvis, and additional serious injuries.
"My next firm memory is waking up in a hospital bed in great pain," said Philip.
Luckily, he had a Patriot Platinum travel medical insurance policy from IMG, whose medical management staff coordinated Philip's care, emergency medical transportation to a hospital in Athens for surgery, and arranged (and paid) for his son to visit him while in the hospital.
"It was, by far, the best insurance policy I ever bought. I would never travel outside the United States without that insurance."
Watch Philip's testimony video to hear his full story by clicking on his photo.
How Travel Medical Insurance Works
You can purchase travel medical insurance for the duration of your overseas trip, whether the time period is one week or several months.
The benefits these policies they offer are very easy to understand….there is a deductible, say $250 (you can choose from $0, $100, $250, $500 and $1,000), and for any medical care you incur in the foreign country, you would pay the deductible (the first $250 in this example), then the travel health insurance company would pay 100% of all medical expenses after that, up to the benefit maximum. You can choose from $50k, $100k, $500k, and $1-8 million benefit maximums.
The premium cost factors are your age, the number of days you need the coverage, then also the deductible and benefit maximum you choose.
The travel medical insurance plans cover you in just one country, or if you visit multiple countries during your trip.
Another important detail of having travel health insurance while in a foreign country...the insurance companies offering this coverage add an extra benefit of being available 24/7 via phone to speak with you or the medical provider to confirm coverage, explain things, and coordinate care. It is a great feeling of safety to have them advocating for you when you are sick or have been in an accident so far from home.
Three Real Life Examples of Travel Medical Insurance
A Soccer Fan Visits England to See His Favorite Team
Our client in Raleigh, age 59, recently took a two week vacation last summer, to England. He had a list of sites to visit, but destination number one was to see his favorite Premier League team play! He chose a $500 deductible and a $2,000,000 benefit maximum. The cost of the coverage for the two week trip is $80.14.
A Retired Couple Visits Their Daughter and Family for a Month
A recently retired couple in Chapel Hill, both age 66, visited their eldest daughter (and her family) in Switzerland, where she now works. They divided their time between playing with grandchildren and exploring. A travel medical policy for the month, for both of them, cost $421.80 (a $250 deductible, and a $500k benefit maximum).
A Central America Honeymoon, for Beach Time and to See the Sights
Pittsboro newlyweds, age 30 and 31, visited two countries in Central America, a combination of historical sights and the beach! The travel medical policy they chose ($100 deductible and $2 million benefit max.) cost $49.50 (for both of them) for their ten day trip to Belize and Mexico.
Free Travel Medical Insurance Quote
Complete the form below and we will send you ideas of travel medical insurance to consider, with ideas of benefits and costs. If you find a plan that works you can apply immediately. Or call us with your questions.
If you would rather view quotes instantly, click IM Global’s logo.
