Top 10 Travel Health Insurance Companies. Your health insurance policy helps pay the bills if you have an illness, injury or condition that requires medical attention. The exact coverage defined by your policy and coverage limits can vary depending on where you get it: either within the network (with suppliers that are part of the network of your insurance company and they have negotiated discounts for services) or out of network providers (that are not part of this network). Usually, you are responsible for a smaller share of the costs – in terms of co-payments, deductibles and co-insurance if you use network providers. If you use a non-network provider, your share will generally be higher, and some expenses may not be covered at all.
But what if you’re traveling well off the network your insurance company – for example, in Thailand or Patagonia? His domestic policy may provide benefits while traveling abroad, but it is likely that any coverage is limited (see Is My Health Insurance Buena abroad?). The good news is that you can buy a health insurance policy for trip to make sure you are covered for medical and evacuation while traveling abroad or even expenses.
There are three different types of health insurance plans travel:
- Individual Travel: coverage for a single trip up to six months, payable in advance.
- Multi-trip: coverage for multiple trips, often purchased for 3, 6 and 12 months.
- Medical expenses Long-term continuous coverage for long-term travelers (as expatriates) normally paid on a monthly basis.
Some policies cover non-medical for trip interruption and baggage loss limited benefits and accidental death or dismemberment benefits-and-riders and dangerous sports. The policies are priced based on age, length of trip and coverage limits you choose price and can end up costing a few dollars a day.
Like to get any insurance policy, it’s a good idea to shop around to compare different health insurance plans travel to find one that works well for you, in terms of price and benefits covered. To get you started, here’s a quick look, in alphabetical order, in 10 companies, with an example of the type of travel insurance policy offered by each.
TOP TRAVEL INSURANCE OPTIONS:
Allianz Global Assistance
- Headquartered: Richmond, Virginia. Insurer (s): BCS Insurance Company and Jefferson Insurance Company depending on the insured’s state of residence.
Sample Policy:Allianz Basic Plan – policy covers up to $ 10,000 for medical and dental emergencies, and $ 50,000 for emergency medical transportation. It includes trip cancellation / interruption protection, baggage coverage and travel delay coverage / trip.
CSA Travel Protection
- Headquartered: San Diego, California. Insurer (s): Generali US Branch, Stonebridge Casualty Insurance Company
Sample Policy:
CSA Freestyle – $ 50,000 policy provides medical and dental coverage, and $ 250,000 for emergency assistance and transportation. It includes coverage for trip cancellation / interruption coverage baggage and travel delay.
HTH Travel Insurance Phone: 888-243-2358
Headquartered: Radnor, Pa.
Insurer (s): BCS Insurance Company
Sample Policy:
Expat essential choice – comprehensive medical and dental plan for expatriates include prescription drug benefits, with unlimited maximum lifetime benefits and a maximum benefit of $ 250,000 for emergency medical evacuation. It includes $ 50,000 for accidental death and dismemberment and up to $ 25,000 for the repatriation of remains.
IMG Global Phone: 866-368-3724
Headquartered: Indianapolis, Ind.
Insurer (s): Sirius International
Sample Policy:
Patriot Travel Medical Insurance – Policy covers $ 50,000- $ 2,000,000 in medical expenses, plus a host of benefits medical evacuation / repatriation of emergency. Trip cancellation / interruption coverage baggage and travel delay / loss coverage available links.
MH Ross
- Phone: 800-423-3632
- Headquartered: Kansas City, Mo. Insurer (s): Arch Insurance Group
Sample Policy:
Asset Plus – policy covers $ 50,000 in medical expenses, plus $ 500,000 for emergency medical evacuation and return of the remains. Included / coverage of the lost connection trip cancellation / interruption coverage baggage and travel delay.
Seven Corners
- Headquartered: Carmel, Indiana. Insurer (s): Advent, Tramont Insurance Company Limited and certain underwriters of Lloyd’s of London
Sample Policy:
International Link – Policy covers $ 50,000- $ 1,000,000 in medical and $ 300,000 for medical evacuation and repatriation of remains expenditure. It includes accidental death and dismemberment, terrorism, dental coverage and unexpected recurrence of pre-existing conditions. Hazardous sports coverage is an option.
Travel Guard
- Headquartered: Stevens Point, Wisconsin. Insurer (s): National Union Fire Insurance Company of Pittsburgh, Pa.
Sample Policy:
My Travel Guard: $ 10,000 policy covers medical accidents and sickness and $ 100,000 for emergency evacuation and repatriation of remains expenditure. It includes coverage for trip cancellation / interruption, baggage coverage and trip delay.
Travel Insured International
- Headquartered: Glastonbury, Connecticut. Insurer (s): United States Fire Insurance Company
Sample Policy:
Worldwide Trip Protector: $ 100,000 policy covers accidents and illness and doctors by $ 1,000,000 for emergency evacuation and repatriation of remains expenditure. Included / coverage of the lost connection trip cancellation / interruption coverage baggage and travel delay.
Travelex Travel Insurance
- Headquartered: London, with offices in New York, Omaha, Washington, DC, Toronto and North America. Insurer (s): Stonebridge Casualty Insurance, Transamerica Casualty Insurance, Old Republic Insurance Company
Sample Policy:
Travel Select – policy covers $ 50,000 for medical and $ 500,000 for medical evacuation and repatriation of remains expenditure. Included / coverage of the lost connection trip cancellation / interruption coverage baggage and travel delay.
TravelSafe Insurance
Phone: 888-885-7233
Headquartered: Wyomissing, Pa.
Insurer (s): Some subscribers of Lloyd’s of London
Sample Policy:
TravelSafe Classic – policy covers $ 100,000 per accident and sickness medical expenses and $ 1,000,000 for emergency evacuation and repatriation of remains. Included / coverage of the lost connection trip cancellation / interruption coverage baggage and travel delay. Medical-only policy available.
The bottom line:When shopping, pay close attention to the benefits of the policy and the details to make sure you have the coverage you need when traveling abroad. Many policies offer additional benefits (extra charge). If you’ll be climbing and diving, for example, the policy should cover sports and hazardous activities (not all policies do).
Note: It is important to note the difference between travel insurance plans and travel insurance. The first protects against non-physicians, such as trip cancellation problems, while the second provides coverage for medical and evacuation expenses. Many of the policies are a combination of the two.
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