Benefits Found In A Good International Travel Health Insurance Plan
International travel health insurance and trip insurance are sometimes confused. They may have similar and overlapping elements but the purpose of the plans are different. International travel health insurance plans are health and medical insurance with some trip and travel benefits. Trip insurance is to cover the loss of monies spent for the trip if certain events happen, such as a strike by the employees of the cruise line or an auto accident on the way to the cruise.
Trip insurance is commonly handled by travel agents and some insurance agents. International travel health insurance requires the agent have an insurance license. International health insurance is a specialty within the health insurance industry. Few insurance agents handle international health insurance and so it is important to find an agent that is knowledgeable and experienced with international health insurance. International travel health insurance plans are for people traveling outside of their home country. They may be US citizens or citizens of any country. Some carriers do not offer coverage to citizens of countries they consider a high risk.
International travel health insurance generally falls into two types of benefit plans. There are indemnity or a scheduled benefit plans and plans that resemble major medical health insurance plans. Plans that resemble major medical health insurance plans provide a broader less restricted coverage. Scheduled benefits are used frequently by visitors to the US due to the lower costs of the plans. Both types plan usually exclude or have limitations on pre-existing condition coverage. It is best to consult an agent who handles a few carriers to see what best fits your situation.
A good travel health insurance plan would include the following benefits.
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