Do I Need Special Health Insurance When Traveling Abroad?

Shawn Plummer

CEO, The Annuity Expert

Yes, It’s Called Travel Health Insurance.

What is Travel Health Insurance? Travel health insurance is a type of insurance designed to cover medical expenses and emergencies while you are traveling outside your home country. This insurance is different from your regular health insurance and is specifically tailored for situations that may arise during international travel.

Why is Travel Health Insurance Important?

  1. Covers Medical Emergencies: Regular health insurance may not be valid internationally. Travel health insurance covers accidents, illness, and medical emergencies.
  2. Peace of Mind: It provides peace of mind, knowing you’re covered in case of unexpected medical issues.
  3. Covers Repatriation: In severe cases, it can cover the cost of returning you to your home country for treatment.
  4. Required by Some Countries: Certain countries require proof of travel health insurance for entry.

Examples of Travel Health Insurance Coverage

  1. Doctor and Hospital Visits: If you fall sick or get injured.
  2. Emergency Evacuation: If you need to be transported to a better-equipped hospital or back home.
  3. Accidental Death and Dismemberment: Coverage in case of severe accidents.

Shop for coverage that fits your needs

How to Choose the Right Policy

  • Check Coverage Limits: Ensure the policy covers adequate medical expenses.
  • Understand Exclusions: Be aware of what is not covered, like pre-existing conditions.
  • Duration of Coverage: Ensure the policy covers the entire duration of your trip.
  • Consider Additional Coverage: Like trip cancellation or lost baggage.

Travel Health Insurance – Key Features

Emergency Medical CoverageCovers hospital, doctors, and treatments
RepatriationCosts for returning to home country
Coverage DurationMust align with travel dates
ExclusionsUnderstand what is not covered
Coverage LimitEnsure it’s adequate for potential needs


Travel health insurance is essential for ensuring your health and well-being are protected while traveling abroad. It covers emergencies, repatriation, and other medical needs that regular health insurance may not. Choose a policy that aligns with your travel needs and understand its features and exclusions. Travel with peace of mind, knowing you’re covered.

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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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