Travel Medical Insurance is that safe protection that we need when we are away from our home, whether in the United States or abroad where we call our home. Travel major medical plans are a special type of coverage designed specifically for people who are planning long-term travel. Or rather, they are designed for people who will be traveling outside of their home country for six months or more. These plans usually offer more than emergency medical benefits. This allows you to stay healthy while are traveling without worrying about expensive medical bills .If you are primarily concerned about emergency medical care when you are outside of your home country, a travel medical insurance plan could be the best answer for you. These plans are not built for travelers who are interested in travel-related coverage.
Even travelers in good health need some form of travel medical coverage because you can never predict when the unexpected will occur. The most common overseas medical emergencies their policyholders experience include:
– Fractures from falls
– Trauma involving motor vehicles
– Respiratory problems such as a collapsed lung
– Cardiovascular problems such as a heart attack.
How Travel Insurance Works:
Since travel medical insurance only covers international trips, your coverage will start the moment you depart your home country. (Your home country is the country where you primarily reside and receive mail.)
If your policy is scheduled to take effect on or before the day you take off for your destination country, understand that your coverage won’t go into effect until you cross your home country’s national border.
It’s also important to understand that your travel medical policy will not cover the treatment of an illness or injury that began while you were still in your home country; it will only cover illness or injury incurred abroad.
For visitors buying health insurance, visiting the United States, you need to present your insurance card when you go to see the doctor, urgent care, or hospital room. You must mention that your insurance is either First Health or United Healthcare (we will tell you when you purchase the health insurance from us). This way, they should bill it to the insurance company and then send you a bill in the mail once they have received payment from the insurance company.
For our friends and family outside the United States, you need to do the following, upon returning back to the United States. Contact the insurance company whom you have gotten the insurance and do the following:
Step 1: Collect itemized receipts.
Step 2: Submit your claim online.
Step 3: Monitor Your Claim’s Progress
What does Travel Medical insurance cover?
Travel Medical insurance covers the following:
- Reimbursement for unexpected medical costs due to emergency medical care.
- Reimbursement for unexpected dental costs due to an accident.
- Advance payments to medical facilities and help get emergency medical transportation when you are injured.
- Coordination of and payment for emergency medical evacuation services, – including medical care providers to attend to you until you reach an appropriate medical care facility.
- Travel accident benefits like Accidental Death & Dismemberment (AD&D) to help take care of you or your family if you are seriously injured or killed while traveling.
- Emergency travel assistance services to help you locate a local an appropriate medical facility to care for your medical needs and those of your family.