The 4 Best Travel Medical Insurance Companies
Travel medical insurance is often an overlooked component of a travel insurance policy. No one expects to get sick or injured on a vacation, but when it happens, it can get very expensive. If you’re traveling out of the country, having quality medical coverage is especially important. For this reason, you should pay close attention to how much medical coverage the travel insurance provider you choose offers to you and your travel companions and what specifically is covered under the policy. Most cover both medical and dental treatment, and some provide extra protection for emergency medical transportation. The four companies mentioned below offer some of the best travel medical insurance there is so, if you want to make sure you’re completely covered, this list is a good place to start.
Travelex offers many different travel insurance plans, each with different levels of protection. It offers plans that include 24-hour medical assistance, ambulance transportation, hospital service, emergency dental procedures, and more. Its plans can also cover both new and pre-existing conditions. If you are traveling with your family, you may want to look into getting its Travel Select plan, which provides the same travel and medical coverage you find in all of Travelex’s travel insurance plans, but it also covers children under the age of 21 at no additional cost. It also offers plans for both frequent and infrequent business travelers. Travelex makes finding the right plan for your needs easy with its online quote tool. Just visit its website and enter your trip dates, age, state, and trip costs to receive quotes for all of Travelex’s travel insurance plans in a matter of seconds.
HTH Travel Insurance offers some of the most flexible travel medical insurance plans in the industry, so it’s not surprising that it claims a spot on this list. When you purchase a policy from the company, you get to choose how much medical coverage you think you need, up to $1 million. You also decide what you want your deductible to be or you can opt for no deductible at all. Most other travel health insurance providers don’t give you these options. That’s what makes the flexibility in HTH Travel Insurance’s policies so valuable. This plan covers pre-existing conditions as well. The only catch is that you must be enrolled in a primary health plan in order to be eligible for HTH’s plans so, if you don’t meet this requirement, you may want to check out the other companies on this list.
MH Ross provides several different policies to choose from, each with a different medical travel insurance limit. Its Complete plan provides $250,000 worth of coverage for emergency medical treatment for illnesses and injuries, along with $500,000 of emergency medical evacuation coverage. Pre-existing conditions are covered on all plans as are dental expenses. In addition, MH Ross’ medical travel insurance pays for any ambulance transportation and prescription medications you may need as a result of your injury or illness. One nice thing about choosing MH Ross as your travel medical insurance provider is that its variety of plans gives you a lot of options. If you decide you don’t need $250,000 worth of medical coverage during your trip, you can go with a more affordable plan that offers $50,000 worth of coverage.
Like MH Ross, Generali Global Assistance (formerly CSA Travel Protection) insures you for up to $250,000 of emergency medical costs resulting from treatment you receive during your trip. This includes coverage for any surgeries, medications, and doctor visits you need. You also receive $1 million of emergency medical transportation coverage. This covers not only things like ambulance transportation, but also the return of remains and bedside visits. If you’re traveling with young children and end up in the hospital, Generali also helps make sure your children get home safely. Pre-existing conditions are only covered under the Premium plan; however, the company offers pre-existing cover up to final payment on your travel booking, so keep this in mind if you’re considering Generali.