Medical Travel Insurance: 6 Benefits to Look for in Travel Medical Plans

International travelers are often medically uninsured and exposed.  Domestic medical insurance, in most instances, will not cover a medical emergency beyond the borders of the United States. 

Below are six benefits to look for in travel medical plans.

1.)  Medical Evacuation Coverage is a key component in travel medical insurance plans.  This benefit can help individuals get transported between facilities as not all health clinics or hospitals will be equipped to handle all medical needs or situations. For example, if you are in a remote part of India, fall and become severely injured, you will be taken to the nearest clinic. That clinic may lack the proper equipment or medical specialists to treat you. Medical evacuation coverage will cover the cost of transporting you from the emergency facility to a hospital better suited to care for you. In many cases, the plan will coordinate all components of the transfer, which includes interfacing with doctors and medical facilities, your authorized contacts (employer, family, etc.), and an in-flight medical team.

2.)  Transportation Coverages Due to Medical Emergency include Bedside Visit benefits to fly a family member to your side, or Emergency Reunion benefits for medical evacuation. Policies also include return of minor children benefits for the safe return home of children.

3.)  Coverages in Case of Death include an Accidental Death and Dismemberment (AD&D) benefit that pays a predetermined amount to you or your beneficiary, in addition to applicable domestic coverage. The Repatriation of Remains benefit transports a body back home, whereas a Local Burial or Cremation benefit can cover the cost of burial or cremation in a nearby vicinity.

4.)  Coverages Due to Unforeseen Circumstances are typically a special supplemental option to include crisis response benefits for natural disasters, political evacuation due to civil unrest or terrorism, and kidnapping.

5.)  Travel Assistance Services may include 24/7 customer service to assist with travel alerts/warnings, lost luggage tracking, lost passport and travel documents, and emergency cash transfers.

6.)  Supplemental Travel Benefits may also include benefits for trip Interruption, lost checked luggage, and travel delays.

Lastly, it is important to underscore that travel medical insurance is for emergencies – routine care is not covered, and other exclusions will apply. The Segal Group is here to help you identify your travel medical insurance needs and reduce unnecessary exposure.

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