Travel & Health Insurance: Your Guide to Smart Protection

Why Travel & Health Insurance Matters

• Over 40 million Americans travel abroad each year. (U.S. Department of State)
• 1 in 5 travelers will experience a medical emergency while traveling. (World Health Organization)
• The average cost of a medical emergency abroad is $5,000-$10,000. (Insurance Information Institute)

How Travel & Health Insurance Benefits You

• Covers medical expenses: Hospitalization, surgery, doctor's visits, and medication costs are covered up to the policy's limits.
• Provides evacuation assistance: If you require urgent medical attention that cannot be provided locally, insurance can arrange and cover the cost of transportation to a nearby hospital.
• Offers emergency medical assistance: 24/7 access to medical advice and assistance in case of an emergency.
• Provides trip cancellation coverage: Reimburses you for non-refundable trip costs if you must cancel or interrupt your trip due to covered events like illness or injury.
• Covers lost luggage and travel delays: Compensates you for lost or delayed checked baggage and reimburses expenses incurred due to delayed flights or missed connections.

Compare Pros and Cons of Different Insurance Policies

FAQs

1. When should I purchase travel & health insurance?
As soon as you book your trip, to ensure coverage from the day of departure.

2. What is the deductible on travel & health insurance?
The deductible is the amount you pay out-of-pocket before the insurance coverage begins.

3. What activities are typically covered by travel & health insurance?
Most policies cover activities like hiking, skiing, swimming, and sightseeing. However, extreme sports or hazardous activities may require additional coverage.

4. Can I purchase travel & health insurance after I have already started my trip?
In some cases, you may be able to purchase insurance after your departure, but coverage may be limited.

5. How do I file a claim on my travel & health insurance policy?
Contact your insurance provider as soon as possible after an incident to initiate the claims process.

6. What is the difference between travel insurance and health insurance?
Travel insurance covers trip-related expenses like lost luggage and canceled flights, while health insurance covers medical expenses incurred while traveling.

7. Where can I find affordable travel & health insurance?
Compare quotes from multiple insurance providers to find the best coverage and rates.

8. What is a "pre-existing condition" in travel & health insurance?
A pre-existing condition is a medical condition that existed before your trip. Coverage for pre-existing conditions may be limited or excluded.