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Short term medical insurance for international travel

Short term medical insurance for international travel

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Mar 12, 2024 (UTC +04:00)

Are you planning for an international trip and worried about unexpected medical emergencies? Let’s explore how short term medical insurance for international travel works with Travelner Insurance. With its comprehensive protection, you can travel with confidence and enjoy a worry-free journey.

Enjoy a worry-free journey with short term medical insurance for international travel

Enjoy a worry-free journey with short term medical insurance for international travel

1. Does short term travel medical insurance cover medical expenses?

Yes, most travel insurance policies include medical coverage. It protects against medical expenses for emergency situations like unexpected illnesses, injuries, or accidents that may occur while traveling. This coverage ensures travelers can access necessary healthcare without breaking the bank. Now, let’s explore short-term medical insurance for international travel - a type of travel insurance that includes medical coverage in the section below.

2. What is short term medical insurance for international travel?

Short term medical insurance for international travel is a type of travel insurance designed to provide medical coverage for individuals traveling abroad such as tourists, business travelers, or students studying abroad. Unlike traditional health insurance plans that offer long term coverage, short term medical insurance is tailored to the specific duration of an international trip. Additionally, short term medical insurance typically covers a range of emergency medical expenses, hospitalization, and even medical evacuation to a suitable healthcare facility.

Short term medical insurance is tailored to the specific duration of an international trip

Short term medical insurance is tailored to the specific duration of an international trip

3. Benefits of short term medical insurance for international travel

Short term medical insurance offers a range of benefits tailored for international travelers, providing a safety net and peace of mind throughout your journey. Moreover, here are examples of the medical benefits provided by the Patriot Platinum Travel Medical Insurance:

Eligible Medical Expenses	Up to the maximum limit
Emergency Medical Evacuation	Up to the maximum limit
COVID-19 / SARS-CoV-2 Coverage	Covered and treated as any other Sickness
Physician Visits/Services	Up to the maximum limit
Hospitalization/Room & Board	Average semi-private room rate up to the maximum limit. Includes nursing service
Outpatient Surgical / Hospital Facility	Up to the maximum limit
Surgery Laboratory Radiology / X-ray	Up to the maximum limit
Prescription Drugs and Medications	Up to the plan maximum limit, may not exceed $250,000
Emergency Local Ambulance	Up to the maximum limit. Subject to deductible and coinsurance
Interfacility Ambulance Transfer	Pay 100%
Dental Treatment	$300 maximum limit due to dental accident or unexpected pain to sound natural teeth. Subject to deductible and coinsurance
Traumatic Dental Injury	Up to the maximum limit. Additional treatment for the same injury rendered by a dental provider will be paid at 100%. Subject to deductible and coinsurance.

Each policy has different coverage. Therefore, before making a purchase, it's crucial to carefully read and understand the details of each policy. This ensures that you are well-informed about the specific coverage offered, allowing you to make a decision that best suits your individual needs for international travel.

4. Types of short term medical insurance for international travel

When considering short term medical insurance for international travel, the frequency of your journeys plays a pivotal role. Here are two types of travel insurance based on your travel frequency: Single Trip Medical Travel Insurance and Multiple Trip Medical Travel Insurance.

4.1 Single trip medical travel insurance

This type of insurance is ideal for those who embark on infrequent or one-time international journeys. Whether you're planning a family vacation, a solo expedition, or a business trip, single trip medical travel insurance ensures that you're covered for unexpected medical expenses during the specified travel period.

One notable example of a comprehensive single trip medical travel insurance plan is the Patriot Travel Series. These plans are crafted to meet the specific needs of individuals embarking on short-term international journeys. Here are the highlighted benefits:

	Patriot America® Plus	Patriot Lite Travel Medical InsuranceSM	Patriot Platinum Travel Medical InsuranceSM
Maximum Limit	Up to $1,000,000	Up to $1,000,000	Up to $8,000,000
Medical Expenses	Up to the maximum limit	Up to the maximum limit	Up to the maximum limit
Covid-19 Medical Expenses	Covered and treated as any other Sickness	Covered and treated as any other Sickness	Covered and treated as any other Sickness
Emergency Medical Evacuation	$1,000,000	$1,000,000	Up to the maximum limit
Lost Luggage	$500 maximum limit, $50 per item	$500 maximum limit, $50 per item	$500 maximum limit, $50 per item
Personal Liability	$25,000 combined maximum limit	$25,000 combined maximum limit	$25,000 combined maximum limit
Return Travel	$10,000 maximum limit	$10,000 maximum limit	$10,000 maximum limit
24-Hour Accidental Death and Dismemberment	$50,000 principal sum	$50,000 principal sum	$50,000 principal sum

4.2 Multiple trip medical travel insurance

Multi-trip medical travel insurance, also known as annual travel insurance, is tailored for frequent travelers who embark on multiple journeys within a specified timeframe. One notable plan in this category is the Patriot Multi-Trip. Whether you're a business professional, a regular vacationer, or involved in diverse global activities throughout the year, this plan provides seamless and uninterrupted coverage for all your travels. Here are the highlighted benefits of this plan:

Patriot Multi-Trip
Maximum Limit	Age Under 70: $1,000,000 Age 70-75: $50,000
Medical Expenses	Up to maximum limit
Emergency Medical Evacuation	Up to the Maximum Limit
Emergency Reunion	Up to US$ 50,000 for a max of 15 days
Trip Interruption	Up to $5,000
Identity Theft Assistance	Up to $500
Lost Baggage	Limit $250, $50 maximum per item
24-Hour Accidental Death and Dismemberment	$25,000 principal sum

5. Key factors to consider when choosing best short term medical insurance for travel abroad

Selecting the right short term medical insurance for international travel is essential to ensure that you have comprehensive coverage tailored to your specific needs. So, here are 7 key factors you should consider:

- Coverage Limits: Understand the maximum limits for medical expenses, emergency evacuation, and other benefits. Ensure that the coverage aligns with your potential healthcare needs during the international trip.

- Emergency Medical Coverage: Ensure that your travel insurance provides extensive coverage for emergency medical situations, encompassing essential aspects such as hospitalization, doctor visits, and prescription medications. Thoroughly verify the extent of this coverage to guarantee comprehensive support during your travels.

Ensure that your travel insurance provides extensive coverage for emergency medical situations

Ensure that your travel insurance provides extensive coverage for emergency medical situations

- COVID-19 Coverage: Not all insurance policies automatically cover COVID-19. Please check if your policy provides insurance for medical expenses related to COVID-19. For example, in the Patriot Series we introduced earlier, all three plans cover COVID-19. The virus is treated and covered similar to any other illness under these plans.

- Medical emergency evacuation travel insurance: Assume that in the event of a severe injury or illness requiring specialized medical care not available at the current location, evacuation travel insurance ensures swift transport to an appropriate healthcare facility. Therefore, check whether your insurance includes medical evacuation coverage and what its maximum coverage limit is. Each plan may have a different coverage limit. For instance, the Patriot Lite Travel Medical Insurance plan provides coverage up to $1,000,000, while the Patriot Platinum Travel Medical Insurance plan offers coverage “Up to the maximum limit” (Up to $8,000,000) for Emergency Medical Evacuation.

- Travel insurance for pre existing medical conditions: If you have pre existing medical conditions, review the policy to understand if and how these conditions are covered. Some plans may offer options or riders for such situations. For instance, within the Patriot Platinum Travel Medical Insurance plan, there's coverage for Acute Onset of Pre-Existing Conditions: for individuals under 70 years of age, with varying limits based on age, up to a maximum of $1,000,000. Additionally, the plan includes a maximum limit of $25,000 for medical evacuation.

If you have pre existing medical conditions, get travel insurance that covers such situations

If you have pre existing medical conditions, get travel insurance that covers such situations

- Policy Exclusions: Thoroughly review any exclusions or limitations outlined in the policy. Understand specific conditions or activities that may not be covered, such as pre-existing medical conditions or certain high-risk activities.

- Deductibles and Co - Payments: Examine the deductibles and co - payments associated with emergency medical coverage. Understand how these financial aspects may impact your overall expenses in the case of a medical event.

By carefully considering these factors, you can make an informed decision and choose a short term medical insurance plan that best aligns with your travel needs and provides the necessary coverage for a secure and enjoyable international journey.

Now, let’s secure your journey with short term medical insurance provided by Travelner Insurance. Click here to explore Travelner Insurance plans and embark on your travels with confidence!