More and more Americans are traveling abroad for leisure, business, or are living abroad for extended periods of time. Often domestic insurance policies do not cover all of the possible issues that you may encounter while traveling. Travel medical insurance acts as a supplement to your existing plan, or as your primary insurance while oversees if you do not have a policy.
The Benefits of Travel Medical Insurance
Travel medical insurance may provide the following coverage:
- Physician office visits
- Ambulance services
- Emergency medical evacuation
- Injury incurred during a terrorist act
- Prescription medication
- Translator tools
Of course you may add more benefits to you policy depending on your anticipated needs. Travel medical insurance is typically offered for three types of travelers:
- Long term plans
- Expatriates living abroad for more than 6 months
- Short term business plans
- Cover international travel up to 180 days
- Short term individual and family plans
- Designed for international leisure travel up to 180 days
What to look out for when purchasing Travel Medical Insurance
Regardless of the coverage you choose, be sure that you consider admitted and non-admitted plans and their overall ratings before making a final decision. Admitted providers are licensed and regulated by your local department of insurance. Non-admitted providers are not licensed or regulated by the department of insurance.
Purchasing Travel Insurance
The Wooten Agency now provides International Travel Medical Insurance through GEOBlue. We can provide you with comparison of coverage levels so you can make an informed decision. Our agents are happy to assist you in determining your travel needs.