What Is the Difference Between Travel Medical Insurance and My Health Insurance?
Travel medical insurance is distinct from health insurance in that it is supplemental coverage that protects you while you are traveling. It is only valid for the duration of your trip and is intended to augment your health insurance when you are traveling outside of your network.
If you have a medical emergency while on vacation, your health insurance policy may not cover the cost of treatment and services. Even if you travel within the United States, your policy may not provide out-of-network coverage. Travel medical insurance can assist in filling up the gaps while also providing extra protection to keep you safe and well on your vacation.
Is Travel Insurance Necessary If I Have Health Insurance?
One prevalent myth about travel medical insurance is that it is unneeded if you have health insurance of any kind. Keep in mind that many health insurance policies are only valid inside their network and within the United States. If you travel to another country or even within the United States but outside of your provider’s network, another health system may refuse to accept your insurance.
What Is Travel Medical Insurance Insured For?
Travel medical insurance covers numerous situations, but it is not intended to be used for routine medical care or preventive treatments.
It’s used to cover things like:
• broken bones
• heart attacks
• strokes
• emergency dental operations
• medical evacuations
• emergency transport
• emergency repatriation.
Everything that constitutes a medical emergency and requires you to seek treatment while on vacation should be covered by a comprehensive travel medical insurance policy. Whenever you go to the doctor for a normal checkup, you must pay out of pocket or file a claim with your health insurance carrier.
