Health insurance can help pay part of the bill if you get sick, injured, or need any kind of medical attention. How much and what is covered is defined in your policy. The coverage may depend on where and who will provide you with medical attention.
Those medical facilities and doctors that are in the network of your insurance company will give you a discount. On the opposite, if you go to an out of network doctor you will pay a larger amount and some of the expenses may not be covered at all.
Besides medical care, in some of these policies, you may include accidental death and dismemberment, trip interruption, limited baggage loss, and a Rider for hazardous activities and sports. The amount you have to pay depends on your age, the length of your trip, the type and amount of coverage you want and if you are careful and choose wisely, you may only pay a few dollars per day.
1. IMG Global
Main Office: Indianapolis, Ind.
Underwriter(s): Sirius International
IMG Global can cover travel delay, trip cancellation/interruption, medical expenses between 2,000,000 and 50,000 US Dollars and provides different repatriation benefits and emergency medical evacuation options.
2. HTH Travel Insurance
Main Office: Radnor, Pa.
Underwriter(s): BCS Insurance Company
HTH Travel Insurance provides USD 250,000 for emergency medical evacuation, USD 50,000 for dismemberment and accidental death. Their policy has excellent dental and medical plans which include prescription drugs with unlimited lifetime benefits.
3. Allianz Global Assistance
Main Office: Richmond, Va.
Underwriter(s): Jefferson Insurance Company and BCS Insurance Company (which one of them underwrites your policy depends on which state you live in)
Allianz Global Assistance covers trip interruption/cancellation, trip/travel delay, lost baggage and gives USD 50,000 for medical evacuation and USD 10,000 for emergency medical and dental care.
4. MH Ross
Main Office: Kansas City, Mo.
Underwriter(s): Arch Insurance Group
MH Ross insures from trip interruption/cancellation, travel delay, baggage, provides USD 50,000 for medical coverage and USD 500,000 for medical emergency evacuation and transport of remains.
5. Travel Guard
Main Office: Stevens Point, Wis.
Underwriter(s): National Union Fire Insurance Company of Pittsburgh, Pa.
Travel Guard will cover trip delay interruption/cancellation and lost baggage. It includes USD 100,000 for medical emergency evacuation and return of remains, plus USD 10,000 for disease and medical expenses.
6. CSA Travel Protection
Main Office: San Diego, Calif.
Underwriter(s): Generali U.S. Branch, Stonebridge Casualty Insurance Company
CSA Travel Protection provides USD 50,000 for medical and dental coverage and USD 250,000 for emergency assistance and transportation. It includes trip interruption/cancelation, lost baggage, and travel delay coverage.
7. TravelSafe Insurance
Main Offices: Wyomissing, Pa.
Underwriter(s): Certain underwriters at Lloyd’s, London
TravelSafe Insurance will cover USD 100,000 for medical and accident expenses coverage, USD 1,000,000 for emergency medical evacuation and body repatriation. It also includes trip interruption and cancellation, flight delays, plus luggage coverage.
8. Travel Insured International
Main Office: Glastonbury, Conn.
Underwriter(s): United States Fire Insurance Company
Travel Insured International insures from trip interruption and cancellation, flight delays, plus baggage coverage. It also includes up to USD 100,000 disease and accident medical expenses and USD 1,000,000 for emergency medical evacuation and return of remains.
9. Seven Corners
Main Office: Carmel, Ind.
Underwriter(s): Advent, Tramont Insurance Company Limited and other specific underwriters at Lloyd’s, London
Seven Corners offers coverage of expenses related to terrorism, accidental death, and dismemberment as well as dental coverage. This policy includes between USD 50,000 and USD 1,000,000 for medical expenses and up to USD 300,000 for emergency evacuation and return of remains.
Bottom line
When you do your research on companies and their policies, make sure the one you chose covers all your needs with enough funds to spare. You can always add whatever you need to an existing policy by paying additional premiums. If you enjoy extreme sports, make sure your policy covers them because not every policy allows for this kind of activity.
Remember there is a difference between travel insurance and travel health insurance; they do not usually cover the same things, so read the fine print carefully before signing anything.
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