The 8 Benefits Visitors Insurance Gives International Travelers
When you leave your home country and the health insurance you have there, visitors insurance can bridge the needs gap. After all, you face different risks when you travel, and covering those travel risks with adequate travel medical insurance is the only way to be certain you will return safely and without paying huge foreign medical bills.
A good travel medical insurance plan can help international travelers avoid many travel disasters, including those that are not related to emergency health issues.
Visitors insurance covers the following 8 important benefits:
- Emergency medical care
- Emergency medical evacuation
- Trip cancellation
- Trip interruption
- Baggage loss
- Trip delay
- Travel assistance services
1. Emergency Medical Care, Including Sudden Illness or Injury
Visitors insurance is very similar to any other health insurance plan, covering doctor’s visits, x-rays, surgery, medication and more when a traveler is outside their home country.
2. Emergency Medical Evacuation
When the host country cannot treat your injuries or illness, travel medical insurance will arrange and pay for you to be transported to the closest medical facility that can. This coverage will also return you to your trip or back home when you are well enough to travel again. Most health insurance plans do not have this coverage, but visitors insurance does.
In the unfortunate event that a traveler dies on their trip, no health insurance plan will pay the costs of retrieving the body and returning it to the home country. Visitors insurance will. Not only that, the insurance provider will negotiate with authorities, fill out the required forms, and make the necessary arrangements to return the traveler’s body for burial.
4. Losses Due to Trip Cancellations
Not all travel emergencies are medical in nature. If you have to cancel your trip, trip cancellation insurance will reimburse your pre-paid expenses up to the plan limit. The reason you cancel your trip must be listed as a covered reason in the visitors insurance plan, but this is an excellent benefit when you don’t want to lose the money you invested in a trip.
5. Losses Due to Trip Interruptions
A trip interruption occurs when a traveler is called home in the middle of their trip to handle an emergency such as a parent falling ill or a natural disaster striking their principal place of residence. When an emergency happens and a traveler is forced to return home immediately, trip interruption insurance will reimburse the remaining pre-paid trip expenses and help them with the unexpected costs of last-minute travel up to the plan limit.
6. Losses Due to Baggage Mishaps
Bags are lost, stolen, destroyed, and damaged all the time during travel. Visitors insurance offers baggage loss coverage, so the traveler is reimbursed for their losses even if the bag is stolen away from the airport. Airlines typically offer very little compensation when they lose or damage a bag, so having visitors insurance can make a big difference.
7. Losses Due to Travel Delays and Missed Connections
Travel delays come in all shapes and sizes: tornadoes grounding flights, mechanical problems on planes, union strikes and more. When a travel delay costs the traveler money, or they miss an important connection, a visitors insurance plan can help make things right by paying for unexpected costs like hotel rooms, transportation, and more. Missed connection coverage can even help a traveler catch up to a cruise when they miss the departure due to no fault of their own.
8. Travel Assistance Services
This benefit is extremely valuable when a traveler is stuck and doesn’t know what to do. When the hotel is overbooked, or the flights are cancelled due to a strike, or your child is running a fever, travel assistance services can help you find alternative lodging, book flights and train tickets to get you home, locate a local doctor, and even provide language translation assistance when necessary.
Travel medical insurance plans also offer many other useful benefits, including the following coverage:
- Accidental Death and Dismemberment (AD&D)
- Return of Mortal Remains and Repatriation
- Common Carrier Accidental Death
- Emergency Dental Treatment
- Return of Minor (underage) Children
- Local Burial or Cremation
For more benefit details, learn what visitors insurance covers.
For help with comparing travel insurance plans visit us at VisitorsCoverage.