Are you planning a trip outside of the country soon and need help with coverage? Fortunately, buying an international travel insurance plan is easy to and cost effective. These plans will help cover you while traveling in different countries or while on a cruise ship. Some major medical policies will give you limited coverage. Because of this, it is always best to purchase a separate plan meant for international travel.
The international travel insurance plans on our website will give you ID Cards for you to print and take with you on your trip. We recommend that you print a copy of your ID Card and keep it in your luggage while traveling. You will also have access to this ID Card online when they email you a copy of your policy.
International Travel Insurance
You can quote different international travel insurance plans on our website by clicking here. If you are traveling on vacation, you will want to purchase an individual international travel plan. If you are an employee that is working abroad, you will want to review your options with group insurance policies.
These plans are not classified as Qualified Health Plans as per the Affordable Care Act. Because of this, there are many limitations and exclusions on the policy. For example, some plans will exclude injuries and accidents when involved in a sports related activity. Because of this, it is a good idea to review the full summary of benefits and add any necessary policy riders. Adding a policy rider will increase your coverage to fully protect you based on your needs. If you plan on hiking or doing fun outdoor activities, we recommend that you add a policy rider to include sports related injuries.
Some policies will also include the option of an evacuation rider. This policy rider is very important if you are traveling to a country that is desolate and without major medical facilities. Adding policy riders like these will increase the premium but will ultimately help protect you and your family.
Qualified Health Plans
The Affordable Care Act regulates Qualified Health Plans. These plans include the 10 essential health benefits. While traveling abroad, these plans will not have a network list for you to use in different countries. PPO plans include out of network benefits which may be useful if you encounter a major medical bill while traveling abroad. The most important benefit on these plans is the maximum out of pocket, which will protect you from expensive medical claims.
Some Qualified Health Plans include telemedicine benefits which allow you to call doctors from your phone. Accessing this benefit will allow you to consult medical professionals remotely. Eligible telemedicine calls are billed through your Qualified Health Plan, not the travel insurance plan. Even if you are enrolled in a major medical policy in the US, we still recommend that you enroll in an international travel insurance plan as well.
Medicare Supplement Plans
Some Medicare Supplement plans will cover Foreign Travel Emergencies. The Medigap Plan C, D, F, G, M, and N will cover foreign travel emergencies up to plan limits. Plan C is not the same as Part C Medicare Advantage. Plan D is not the same as Part D Drug Plan coverage. Federal laws require all insurance carriers to cover the same benefits on their Medigap Plans. Medigap members have coverage while outside of the country when enrolled in one of these plans. We still recommend that you purchase an international travel insurance plan while abroad.