Where can I find more information about Covid-19?

Need information on whether your plan covers Covid-19? Please consider all of the resources and news updates for each listed on this website. Follow the links below for any information regarding coverage for global information regarding travel restrictions or warnings.

 

Tokio Marine HCC Covid-19 Information

GeoBlue Covid 19 Information

HTH Travel Health Covid-19 Updates

IMG Covid-19 Dedicated Resource Page

As the world deals with the impact of the COVID-19 pandemic, we know that this may be a difficult time for our globally mobile members around the world. The insurance carriers are committed to supporting the health and well-being of their policy holders  during this unprecedented crisis, and have taken a number of actions to offer additional support and protection for their members.

The insurance carriers and their team of global medical experts have been continually monitoring the situation, and will updates their information pages above to keep you informed and answer questions you may have about how our products and services can support you during this difficult time. Be safe and be well.

Man with Mask

Now I know the difference between the two, who needs travel medical insurance?

The short answer is everyone needs travel medical insurance and/or travel medical insurance. Many travelers, especially American's, don't buy travel medical insurance for one reason or another (re: "I don't need travel medical insurance"; an American phenomenon). I have heard many stories from friends and family about their trip disasters when traveling overseas. I once had a friend who broke his arm during our study abroad program in Rome, and he had to pay out of pocket for the cast before they would release him from the hospital. This lead to an extremely complicated scenario to provide payment to the hospital before releasing him. I have also assisted travelers who had a member of their group fall off a scooter and enter a coma. The individual needed to be evacuated to the closest medical facility to manage the individual's condition.  I have worked with agents who had travelers who needed to understand how to help a scuba diver if they were to suffer from the bends. Needless to say there are hundreds of thousands of other unforeseen scenarios that you just cannot plan for. This type of product is inexpensive, and is a no-brainer.

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How much does travel insurance cost?

The cost of trip cancellation insurance depends on four primary factors: your trip cost, your age, the length of your trip, and the amount of coverage included within the policy. A standard policy with trip cancellation coverage will typically cost between 5% and 10% of your total trip cost. A policy without trip cancellation will likely be significantly less expensive.

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I'm really healthy. Do I really need travel medical insurance?

You never know what can happen. Sometimes it doesn’t matter if you are healthy or not. travel medical insurance can help with many different types of situations that could occur while traveling:

  • Car accidents

  • Boat accidents

  • Slip and fall injuries

  • Altitude sickness

  • Food poisoning

  • Contagious diseases (malaria, yellow fever, typhoid, measles, Zika)

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What is the difference between travel insurance and travel medical insurance?

Travel Insurance is used interchangeably with Trip Insurance, Trip Cancellation, Trip Can, or Comprehensive Travel Insurance. Travel Medical Insurance is used interchangeably with Travel Medical, International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance. It is no wonder consumers shopping for insurance confuse the two. The good news is, there are only two options you have to familiarize yourself with. Here are the general differences between the two:

Travel Insurance: This insurance generally covers for pre-paid expenses, like hotel reservations or plane tickets. If your trip were to be canceled and you were not able to go on your trip, the insurance company would then reimburse your pre-paid expenses up to a certain amount depending on the policy limits. This insurance is usually much more expensive than travel medical insurance.

Other names: Trip Insurance, Trip Cancellation, Trip Can, or Comprehensive Travel Insurance.

Travel Medical Insurance: This insurance generally covers accidents and illnesses after you have already left on your trip. After you have left on your trip outside of your home country, the insurance company will provide assistance if you become ill or have an injury you need to tend to. It also provides coverage for medical emergencies and evacuations. This type of insurance is generally much less expensive than Travel Insurance.

Other names: Travel Medical, International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.

Travel Polaroids

Now I know the difference between the two, who needs travel insurance?

The travel insurance space provides a broader realm of benefits, but you are going to pay for what you get here. These policies will usually always be more expensive than your travel medical product. Travel insurance is designed to cover a variety of events that may cause a financial loss before or during your trip. This can include an illness or injury preventing you from traveling, severe weather impacting your travel plans, or a medical emergency that occurs during your trip, among others. Some travel insurance policies are comprehensive and are built specifically with travelers’ main concerns in mind, including coverage for trip cancellations, medical emergencies, flight delays, and lost luggage. While most policies include many of the same benefits, the specific coverage varies. To make sure you have the coverage you need and select the best policy for your next trip, it’s important to read each policy’s documentation to understand what benefits are included. I understand this sounds boring, but that is why I am here. I will help answer the important questions you have so you pick the right policy for your situation.

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Does my health insurance cover international travel if I have insurance at home?

Not all domestic health insurance plans will follow you outside your home country. If they do, the coverage may be limited and may apply only to an emergency (re: Do I Need Travel Insurance If I have Health Insurance?). According to the U.S. Department of State, “Although some health insurance companies pay “customary and reasonable “ hospital costs abroad, very few pay for your medical evacuation back to the United States.” This means you need a travel medical plan that includes travel assistance services to arrange and pay for an emergency medical evacuation or repatriation to bring you home. Some medical providers overseas may require you to pay medical expenses before they treat you.

Yellow Van

Lots of countries have national health care. If I get sick abroad, am I covered?

Many countries with national health care have specific requirements that must be met before you can utilize the plan. To know for sure if you have medical coverage, you would need to check with the country’s health plan. You can usually do this by asking an American consulate, or referring to the state Department of Insurance to help you identify where to find these regulations. Most of the time, the hassle of doing the research whether a country provides coverage for incoming travelers is much greater than purchasing a few days of travel medical insurance, since it is so inexpensive. I would take a gander at this article on International Insurance.com: Countries with Free or Universal Healthcare.

Pyramids