Travel Health Insurance Plans for Your Next Trip
Meredith Miller | Published: June 14, 2018
What's your picture-perfect vacation destination? Even though I live in one of the top tourist destinations in the US, I still make an effort to get out and see what other countries have to offer. So, for me, I know I want to visit Ireland and check out their incredible scenery, historic castles, breweries, and whiskey distilleries. I'm sure for most of us would like to take similar vacations outside of the country, or even domestically.
When you're overseas, it's easy to forget that many countries do not use the same healthcare system as we do in the States. Actually, there are tons of countries that have universal healthcare systems which could provide you coverage for little to no cost. But, there is still a chance you may incur high medical costs when you're on vacation, and this is where travel health insurance comes into play.
What is Travel Health Insurance
Travel health insurance is there to keep you protected from any unexpected medical emergencies or expenses while traveling internationally or domestically. Travelers health insurance plans are a perfect way to keep you and your family protected when on vacation.
For example, imagine you are on a safari in South Africa with your family when the vehicle you're in bumps into a tree trying to escape a charging elephant. Now, you are all ok, but your oldest son needs a couple stitches. If you have travel health insurance, you can safely take your child to any medical center to seek the attention he needs without having to worry about high costs.
Who Should Consider a Travelers Health Insurance Plan
Anyone planning on traveling outside the US should consider buying a travelers health insurance plan. Most health insurance plans don't cover medical emergencies or injuries that occurred while traveling abroad. You may also want to consider a travelers health insurance plan if you are a business person who finds themselves traveling for work for a good portion of the year. If you are going to be spending a lot of time outside of your provider-network coverage area, it would be a good idea to look into some additional coverage.
Travel Health Insurance Cost
Travelers health insurance policies are pretty cheap and could start as low as a dollar per day. Most of these policies are charged a standard rate for each person on a daily basis. Also, the deductible selected would be an eligible expense amount that the insurer must pay before their travels. The daily rate will normally decrease as the deductible increases and vice versa. Also, the international travel health insurance companies will place you in age groups in which determines your daily rate. The daily rates will also vary from plan to plan.
Best Travel Health Insurance Companies
There are many travel health insurance companies available with claims of delivering quality insurance plans in which some of them have proven otherwise. However, according to what we found, the following travel health insurance companies have proven to be the best:
- Aetna Travel Insurance
- United Healthcare Travel Insurance
- Blue Cross Blue Shield Travel Insurance
- Atlas Travel Insurance
- Patriot Travel Medical
The best international travel health insurance plan will have the freedom to pursue a doctor or hospital of your preference, maximum limits ranging from $50,000 to $2,000,000, 24/7 emergency assistance hotline accessibility, $0 to $2,500 in deductible options, up to 24 months in renewing, baggage and travel delay benefits, discount savings in Universal Rx pharmacy, and emergency and repatriation evacuation.
Compare Travel Health Insurance Quotes
If you are a consumer, it's a good idea to get in the habit of doing your research. Whether you are looking for a new car, microwave, or travel health insurance plan, look over all your options before making any decisions. Thankfully, the internet takes a lot of work out of doing research.
The first thing you want to do is look what other people are saying. Travel health insurance companies will do and say whatever they can to make their product look like the best option available. However, if you take to the internet, you will quickly see what customers are saying. However, make sure to take reviews with a grain of salt, because people tend to give reviews when something goes wrong. Still, it will give you great insight into the quality of travelers health insurance plans.
The next thing you want to do is get quotes. You can get quotes directly from the travel health insurance companies, or you can use free quote comparison services like First Quote Health. While First Quote Health specializes in individual and family health insurance quotes, it can also put you in touch with agents who can give you insights into travel health insurance plans as well. Once you find the plan that fits your budget and needs, all that's left to do is enroll!