What is Travel Medical Insurance?
Travel Medical Plans combine the benefits of travel insurance plans with additional health and medical coverage. When you travel around the world, it is now more critical than ever to make sure you have the right international travel health insurance plan in place in case the unexpected happens. Here we provide a general overview of Travel Medical Plans as well as recommendations on the best plans for your trip.
When traveling outside of your home country, it’s vital to buy international travelers medical insurance to cover yourself against accidents or illness. Even if you have private medical insurance at home, the chances are this will not cover you when traveling abroad, or if it does cover you that coverage will be insufficient.
The Best Travel Health Plans Include:
- Freedom to seek treatment with hospital or doctor of your choice
- Maximum Limits from $50,000 to $2,000,000
- 247/7 access to an emergency assistance medical hotline to speak with medical experts
- Deductible options from $0 to $2,500
- Renewable up to 24 months
- Travel delay and baggage delay benefits
- Universal Rx pharmacy discount savings
- Repatriation and emergency evacuation
How Does International Travel Medical Insurance Differ From Trip Insurance?
Looking at the many different travels, trip, and medical insurance policies that are available can be confusing. Different providers offer numerous levels of cover, and so travel insurance with one provider could be completely different to another. The general rule of thumb is that “trip insurance” provides a short-term solution that will cover such things as trip cancellation, trip protection, and a limited amount of emergency medical coverage. These plans are usually available for a period of between 1 and 62 days.
Travel medical insurance is a more comprehensive policy that gives increased medical coverage over and above what a regular trip or travel insurance policy would, and this type of coverage is usually available for a period of between 5 days and one year.
Our Recommended Travel Medical Plans
Patriot Travel Medical Insurance®
Individual & family (5 days up to 2 years coverage)
Patriot Travel Medical Insurance is designed to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $2,000,000.
There are two plans available: Patriot InternationalSM provides coverage for U.S. citizens traveling outside the U.S., and Patriot AmericaSM provides coverage for non-U.S. citizens traveling outside their home country.
Patriot Platinum Travel Medical InsuranceSM
Enhanced benefits and services plan
Patriot PlatinumSM provides first-class protection for the discerning international traveler who wants to obtain the maximum coverage available in a short-term travel medical product on the market today.
Patriot Platinum builds upon the Patriot Travel plan by providing up to $8,000,000 of coverage with enhanced benefits and services and our Global Concierge & Assistance ServicesSM.
There are two plans available: Patriot Platinum InternationalSM provides coverage for U.S. citizens traveling outside the U.S. and Patriot Platinum AmericaSM provides coverage for non-U.S. citizens traveling outside their home country. Coverage can be obtained from a minimum of five days up to three years.
Specialty coverage for individuals & families on Medicare
Travel Medical Insurance
Travelers who travel several time a year (annual coverage)
Patriot Multi-Trip is designed for people that take multiple trips throughout the year outside their home country. The plan provides coverage up to 30 to 45 days in length for each trip. It offers the
ease and convenience of purchasing a single annual plan at an affordable premium.
Patriot Multi-Trip International provides coverage for U.S. citizens that take multiple trips annually outside the U.S., and Patriot Multi-Trip America provides coverage for non-U.S. citizens that take multiple trips
annually outside their home country. Both provide coverage for the traveler, his or her spouse and children for each trip taken during a period of 12 months.
Individual & spouse: Short-term travel medical insurance for travelers 65+
GlobeHopper® Senior addresses the insurance needs of U.S. citizens and U.S. permanent resident seniors who need temporary medical insurance while traveling outside the U.S. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums up to $1,000,000.
There are two plan options available: Single-Trip helps protect travelers who need travel medical insurance coverage from five days up to 12 months while on a single trip. Multi-Trip offers flexible protection to frequent travelers who prefer to purchase an annual plan to cover multiple trips throughout a 12-month period, with each trip covered up to 30 days maximum.
This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition. This brochure contains many of the valuable trademarks, names, titles, logos, images, designs, copyrights and other proprietary materials owned and registered and used by of International Medical Group, Inc. and its representatives throughout the world. © 2007-2016 International Medical Group, Inc. All rights reserved.
If you are considering longer term coverage or more comprehensive medical benefits, please learn about our Expatriate Insurance
Do I Need to Buy International Travel Medical Insurance?Travel medical insurance is a short-term solution for citizens who are traveling outside of their home country for anywhere between 5 days and one year. It is essential coverage for travelers who are away from home, whether for business or pleasure purposes. Even if you have health insurance at home the chances are this will not cover you when traveling outside of your home country, or if it does, the level of coverage will be very minimal. Our plans can be very beneficial to a broad range of travelers including international vacationers, recently arrived immigrants, relatives visiting from overseas, and foreign au pairs and nannies, among others. Plans are available to all nationalities traveling abroad!
The Different Levels of CoverageAt Milz Health Group we can provide you with a range of travel medical insurance plans from some of the leading insurance providers. Among our most popular plans are the Patriot Plans, and with two different plans to choose from that suit a variety of travelers. Patriot Travel is a very comprehensive policy that includes hospitalization and doctor coverage as well as such things as lost luggage, and you can tailor this policy with optional extra riders to include insurance for extreme sports. With Patriot Platinum, you have the same options for extra riders and coverage, though this plan, for the discerning traveler, provides world-class coverage and access to the best service and assistance whenever traveling outside your home country.
Single Trip or Annual (Multi-Trip) PlansTravel medical insurance is available as a single trip plan that covers one specific trip for a specified number of days. You can also purchase a multi-trip annual policy that covers you for all travel outside your home country over the course of a year, up to a maximum number of days per each trip. This can be a more cost-effective way of buying travel health insurance if you are a frequent traveler.
Severe illness or injury abroad may result in a financial burden on travelers. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: travel insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to travelers with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.
If you would like to speak to an independent insurance agent that can answer your specific questions please call 866.575.3313. We look forward to assisting you with your International Travel Medical Insurance needs.