Can You Buy Just Medical Travel Insurance?

Shawn Plummer

CEO, The Annuity Expert

Can You Buy Medical Travel Insurance?

Yes, you can purchase standalone medical travel insurance. This type of insurance specifically covers medical emergencies and related expenses while traveling. It’s an option for travelers who want medical coverage without the broader scope of a comprehensive travel insurance policy. This can be beneficial if you already have trip cancellation or interruption coverage but require medical protection while abroad. Here are key points to consider for standalone medical travel insurance:

What Does Medical Travel Insurance Cover?

  1. Emergency Medical Expenses: Covers costs for unexpected illnesses or injuries.
  2. Emergency Evacuation: Includes medically necessary transportation to the nearest hospital.
  3. Repatriation: Assistance with returning home if medically necessary.
  4. 24/7 Assistance Services: Support for finding medical facilities or emergency services.

When Should You Consider Medical Travel Insurance?

  • Existing Coverage Limitations: If your regular health insurance has limited or no coverage abroad.
  • High-Risk Destinations: Areas where healthcare is expensive or difficult to access.
  • Adventure Travel: Engaging in activities that might not be covered under standard policies.

Related Reading: Can You Buy Travel Insurance The Day Before You Leave?

How to Choose the Right Policy

  • Coverage Limits: Ensure the policy has adequate limits for potential medical costs in your destination.
  • Exclusions: Understand what is not covered, like pre-existing conditions or extreme sports.
  • Network of Providers: Check if the insurance has a global network of hospitals and doctors.
  • Claim Process: Understand how to file a claim and the required documentation.

Conclusion

Medical travel insurance is a focused solution for travelers prioritizing health safety while abroad. It offers peace of mind, knowing you’re covered for medical emergencies without the additional features of comprehensive travel insurance. Remember to assess your individual travel needs and destination risks when choosing a policy.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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