Travel Insurance FAQ

Shawn Plummer

CEO, The Annuity Expert

Table Of Contents
  1. Who should buy travel medical insurance?
  2. What are the minimum and maximum trip lengths?
  3. How are medical evacuation decisions made?
  4. Are travel insurance companies covering Coronavirus (COVID-19)?
  5. Can travel insurance be canceled and refunded?
  6. What is covered under trip interruption benefit?
  7. When does travel insurance coverage begin?
  8. Which medical providers are included in travel medical insurance?
  9. Are pre-existing medical conditions covered under travel medical insurance?
  10. How much does travel medical insurance cost?
  11. How much travel medical insurance coverage is needed?
  12. What does travel insurance cover?
  13. Who are the best travel insurance companies?
  14. What is covered with travel guard insurance?
  15. What credit cards have travel insurance?
  16. What is not covered by travel insurance?
  17. Will health insurance be covered outside the home country?
  18. Will credit cards offer travel insurance coverage?
  19. What is the best travel insurance?
  20. What is the best travel insurance company for Europe?
  21. What is the cheapest travel insurance?
  22. What is the best travel insurance for the Dominican Republic?
  23. Which travel insurance is cheapest?
  24. Where can I get cheap travel insurance?
  25. What is the best medical insurance for travelers to the USA?
  26. What is the best international travel insurance for seniors?
  27. What is the best travel insurance for Multiple Sclerosis (MS)?
  28. Does travel insurance cover medical expenses?
  29. Can I get travel insurance after a stroke?
  30. Does my health insurance cover medical expenses when traveling internationally?
  31. Where is the best place to buy travel insurance?
  32. What is the best travel insurance for Lymphoma?
  33. Which travel insurance is best for Costa Rica?
  34. Where can I buy travel insurance for Spain?
  35. Which travel insurance is best for Turks and Caicos?
  36. Which travel insurance is best for a beach house rental?
  37. Which travel insurance is best for an Airbnb?
  38. Which travel insurance is best for flights?
  39. Which travel insurance is best for traveling to Mexico from the USA?
  40. Which travel insurance does not have medical coverage?
  41. Which travel insurance is best for a backpacker?
  42. Which travel insurance is best for Amtrak?
  43. Which travel insurance is best for Brazil?
  44. Which travel insurance is best for the Bahamas?
  45. Which travel insurance is best for Dubai?
  46. Which travel insurance is best for Egypt?
  47. Which travel insurance is best for Ecuador?
  48. Which travel insurance is best for Guatemala?
  49. Which travel insurance is best for Hawaii?
  50. Which travel insurance is best for Galapagos?
  51. Which travel insurance is best for Jamaica?
  52. Which travel insurance is best for Japan?
  53. Which travel insurance is best for Jordan?
  54. Which travel insurance is best for Kenya?
  55. Which travel insurance is best for Kilimanjaro?
  56. Which travel insurance is best for Korea?
  57. Which travel insurance is best for Kuwait?
  58. Which travel insurance is best for India?
  59. Which travel insurance is best for the United Kingdom?
  60. Which travel insurance is best for Disney?

Who should buy travel medical insurance?

Anyone in need of an international travel medical plan when leaving the U.S. for leisure, educational, missionary or business travel.

What are the minimum and maximum trip lengths?

A trip can be as short as 1 day or as long as 182 days depending on the travel insurance policy.

How are medical evacuation decisions made?

The evacuation benefit pays for a medical evacuation to the nearest hospital, appropriate medical facility or back to the U.S. Transportation must be by the most direct and economical route. All evacuations require written certification by the attending physician that the evacuation is medically necessary.

Are travel insurance companies covering Coronavirus (COVID-19)?

Travel insurance companies are offering coverage.

Can travel insurance be canceled and refunded?

Travel insurance can be canceled prior to the Effective Date without penalty. Cancellations after the effective date are acceptable with a cancellation fee, and only future covered time periods are refundable.

What is covered under trip interruption benefit?

The insured is reimbursed for unused non-refundable travel arrangements plus additional transportation costs to catch up to their trip or return home early.

When does travel insurance coverage begin?

Coverage begins at 12:01 a.m. on the day after the date the appropriate premium for this policy is received. This is your “Effective Date” and begins the trip cancellation benefits. All other coverage begins when you depart on the first travel arrangement for your trip.

Which medical providers are included in travel medical insurance?

Travel insurance companies have a network of providers globally similar to the network used in a domestic health insurance plan.

Are pre-existing medical conditions covered under travel medical insurance?

Pre-existing medical conditions are covered under specific travel insurance plans, not all plans. Check with the insurance company’s certificate of coverage.

How much does travel medical insurance cost?

Travel medical insurance can range from under $1 a day to $1.50 a day depending on the trip length, the destination of the trip, the deductible amount, coverage amount, group size, and the insured’s gender, age, and country of residence. The government regulates insurance prices.

How much travel medical insurance coverage is needed?

The coverage amount is determined by the individual’s medical needs and pre-existing conditions. Coverage is similar to primary health insurance policies in that the insured selects a plan based on the deductible and maximum coverage amount.

What does travel insurance cover?

Travel insurance covers trip cancellation, trip interruption, travel delays, missed connections, change fees, reimbursement of miles or reward points, baggage and personal effects, baggage delay, accident and sickness medical expenses, emergency medical evacuations, accidental death and dismemberment, cancel for any reasons, interruption for any reason, search and rescue, sports equipment rental, non-medical emergency evacuation, rental car damage, and pre-existing conditions.

Who are the best travel insurance companies?

The best travel insurance companies are AIG Travel Guard, IMG Global, AXA Assistance USA, Travelex, GeoBlue, April International, CSA Travel Protection, Trawick International, Arch RoamRight, Berkshire Hathaway Travel Protection, Crum and Forster, Generali Global Assistance, HTH Worldwide, IMT Services, John Hancock Agency, Nationwide, Allianz, and Tokio Marine.

What is covered with travel guard insurance?

AIG Travel Guard covers trip cancellation, trip interruption, trip exchange, trip delay, missed connections, baggage coverage, baggage delay, limited travel medical expense, limited dental expense, emergency evacuation, repatriation of remains, and accidental death and dismemberment.

What credit cards have travel insurance?

What is not covered by travel insurance?

Travel insurance does not provide benefits for any amounts above the policy’s maximum coverage amount, elective surgery or treatment, services received before and after the effective dates, treatments outside the travel insurance company’s network of providers, services related to pregnancy or maternity other than complications during a trip coverage period, non-emergency dental services, non-emergency vision services, any drugs not states in the plan, intentional self-inflicted injury or illness, cosmetic surgery, sex change, treatments of sexual dysfunction, fertility treatments, cryopreservation of sperm or eggs, contraceptives, orthopedic shoes, weight reduction services, routine physical exams, items for personal comfort or convenience, nutrition counseling, medical equipment, growth hormone treatment, routine foot care, animal to human organ transplants, loss arising from any sport competition, treatments for sexually transmitted diseases, and pre-existing medical conditions not covered under a specific insurance plan.

Will health insurance be covered outside the home country?

Domestic health insurance offers limited coverage for out-of-pocket medical expenses, has high deductibles and co-pays for emergency treatment, and does not cover emergency medical transportation. Medicare will not pay for healthcare and prescription drug costs outside the United States.

Will credit cards offer travel insurance coverage?

Credit cards do offer trip cancellation and interruption coverage but is highly limited compared to purchasing travel insurance or travel medical insurance policy. Credit card companies may not reimburse for travel delays or medical emergencies.

What is the best travel insurance?

Trip Interruption and Cancellation Insurance is best for domestic travel. Travel medical insurance is best for short-term international travel. International health insurance is best for long-term international travel or relocation.

What is the best travel insurance company for Europe?

Travel medical insurance is best for short-term international travel throughout Europe. International health insurance is best for long-term international travel or relocation to Europe.

What is the cheapest travel insurance?

The Annuity Expert offers the cheapest travel insurance selection.

What is the best travel insurance for the Dominican Republic?

Travel medical insurance is best for short-term international travel throughout the Dominican Republic. International health insurance is best for long-term international travel or relocation to the DR.

Which travel insurance is cheapest?

The cheapest travel insurance plan is trip interruption and cancellation insurance. Only the basics are covered on any domestic or itnernational trip.

Where can I get cheap travel insurance?

An independent insurance agent or an online travel insurance marketplace will provide the cheapest travel insurance coverage because of the wide variety of insurance plans. However, unless a travel agent is life, accident, and health licensed, they are limited on selecting coverage that tends to be on the more expensive side of travel insurance.

What is the best medical insurance for travelers to the USA?

Visitors insurance is the best type of travel insurance for visitors or immigrants traveling or relocating to the United States.

What is the best international travel insurance for seniors?

A travel medical insurance plan that is Medicare and Medigap friendly is the best travel insurance for American-based, seniors over age 65.

What is the best travel insurance for Multiple Sclerosis (MS)?

A travel medical insurance plan that accepts pre-exisiting medical conditions is the best type of travel insurance for travelers with multiple sclerosis.

Does travel insurance cover medical expenses?

Traditional travel insurance covers minimal or no medical expenses when traveling outside their home country. Travel medical insurance covers medical expenses outside the traveler’s home country.

Can I get travel insurance after a stroke?

A travel medical insurance plan that accepts pre-exisiting medical conditions is the best type of travel insurance for travelers after having a stroke.

Does my health insurance cover medical expenses when traveling internationally?

No. Domestic health insurance only cover medical expenses while inside the insured’shome country.

Where is the best place to buy travel insurance?

An independent insurance agent or an online travel insurance marketplace will provide the best travel insurance coverage because of the wide variety of insurance plans. Travel agents, credit cards, and airlines are not the best place to buy travel insurance.

What is the best travel insurance for Lymphoma?

A travel medical insurance plan that accepts pre-exisiting medical conditions is the best type of travel insurance for travelers with Lymphoma.

Which travel insurance is best for Costa Rica?

Travel medical insurance is best for short-term international travel throughout Costa Rica. International health insurance is best for long-term international travel or relocation to Costa Rica.

Where can I buy travel insurance for Spain?

An independent insurance agent or an online travel insurance marketplace will provide the best travel insurance coverage for an upcoming trip to Spain because of the wide variety of insurance plans the agent can offer.

Which travel insurance is best for Turks and Caicos?

Travel medical insurance is best for short-term international travel throughout Turks and Caicos. International health insurance is best for long-term international travel or relocation to Turks and Caicos.

Which travel insurance is best for a beach house rental?

Traditional travel insurance and trip cancellation or interruption insurance is the best type of travel insurance when renting a beach house within the United States.

Which travel insurance is best for an Airbnb?

Traditional travel insurance and trip cancellation or interruption insurance is the best type of travel insurance when renting an Airbnb within the USA.

Which travel insurance is best for flights?

Traditional travel insurance, flight insurance, and trip cancellation or interruption insurance is the best type of travel insurance for flights.

Which travel insurance is best for traveling to Mexico from the USA?

Travel medical insurance is best for short-term international travel to Mexico from the United States. International health insurance is best for long-term international travel or relocation to Mexico from the United States.

Which travel insurance does not have medical coverage?

Traditional travel insurance and trip cancellation or interruption insurance does not provide medical coverage outside the travelers home country.

Which travel insurance is best for a backpacker?

Travel medical insurance is the best type of travel insurance for short-term treks while international health insurance is the best type for backpackers traveling for more than 12 months.

Which travel insurance is best for Amtrak?

Traditional travel insurance and trip cancellation or interruption insurance is the best type of travel insurance when traveling by Amtrak.

Which travel insurance is best for Brazil?

Travel medical insurance is best for short-term international travel throughout Brazil. International health insurance is best for long-term international travel or relocation to Brazil.

Which travel insurance is best for the Bahamas?

Travel medical insurance is best for short-term international travel throughout the Bahamas. International health insurance is best for long-term international travel or relocation to the Bahamas.

Which travel insurance is best for Dubai?

Travel medical insurance is best for short-term international travel throughout Dubai. International health insurance is best for long-term international travel or relocation to Dubai.

Which travel insurance is best for Egypt?

Travel medical insurance is best for short-term international travel throughout Egypt. International health insurance is best for long-term international travel or relocation to Egypt.

Which travel insurance is best for Ecuador?

Travel medical insurance is best for short-term international travel throughout Ecuador. International health insurance is best for long-term international travel or relocation to Ecuador.

Which travel insurance is best for Guatemala?

Travel medical insurance is best for short-term international travel throughout Guatemala. International health insurance is best for long-term international travel or relocation to Guatemala.

Which travel insurance is best for Hawaii?

Traditional travel insurance and trip cancellation or interruption insurance is the best type of travel insurance when a U.S.-resident visits Hawaii.

Which travel insurance is best for Galapagos?

Travel medical insurance is best for short-term international travel throughout the Galapagos Islands. International health insurance is best for long-term international travel or relocation to Galapagos Islands

Which travel insurance is best for Jamaica?

Travel medical insurance is best for short-term international travel throughout Jamaica. International health insurance is best for long-term international travel or relocation to Jamaica.

Which travel insurance is best for Japan?

Travel medical insurance is best for short-term international travel throughout Japan. International health insurance is best for long-term international travel or relocation to Japan.

Which travel insurance is best for Jordan?

Travel medical insurance is best for short-term international travel throughout Jordan. International health insurance is best for long-term international travel or relocation to Jordan.

Which travel insurance is best for Kenya?

Travel medical insurance is best for short-term international travel throughout Kenya. International health insurance is best for long-term international travel or relocation to Kenya.

Which travel insurance is best for Kilimanjaro?

Travel medical insurance is best for short-term international travel throughout Kilimanjaro. International health insurance is best for long-term international travel or relocation to Tanzania.

Which travel insurance is best for Korea?

Travel medical insurance is best for short-term international travel throughout Korea. International health insurance is best for long-term international travel or relocation to Korea.

Which travel insurance is best for Kuwait?

Travel medical insurance is best for short-term international travel throughout Kuwait. International health insurance is best for long-term international travel or relocation to Kuwait

Which travel insurance is best for India?

Travel medical insurance is best for short-term international travel throughout India. International health insurance is best for long-term international travel or relocation to India.

Which travel insurance is best for the United Kingdom?

Travel medical insurance is best for short-term international travel throughout the UK. International health insurance is best for long-term international travel or relocation to the UK.

Which travel insurance is best for Disney?

Traditional travel insurance, flight insurance, and trip cancellation or interruption insurance is the best type of travel insurance for a United States-based traveler visiting Disney World or Disneyland. A non-U.S. resident will need to purchase visitors insurance when visiting Disney World or Disneyland.

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

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

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