What Does Visitors Insurance Cover?

Visitors insurance is a travel medical insurance plan that provides temporary healthcare and emergency medical coverage while traveling abroad. If you are traveling to the US or another foreign country, your domestic healthcare plan may not cover you while abroad, which is why it is important to have visitors insurance for any international trip.

But what exactly are you getting when you buy travel medical insurance, and why do you need it? The following list outlines what is typically covered by most visitors insurance plans.

Medical Treatment

Medical coverage includes doctor and hospital visits, surgical treatment, lab work and X-rays, prescription drugs and medication, and emergency room expenses. If you fall ill or become injured during your trip, your visitors insurance covers most treatment costs.

Emergency Medical Evacuation

Emergency medical evacuation coverage includes ambulances, airlifts, and medically equipped flights back to your home country. If you require immediate medical attention while on a cruise, skiing, or are too far away from adequate medical care, emergency medical evacuation insurance covers the costs incurred to transport you to the nearest hospital.

Accidental Death & Dismemberment

In the unfortunate case that you die abroad, AD&D insurance pays your beneficiary a lump sum. In the case of dismemberment, meaning loss of any limb, your insurance policy will pay you some amount.

Return of Mortal Remains

Again, if in the unfortunate case that you die abroad, your insurance policy may cover the expenses to have your remains transported back to your home country or buried in the country in which you died.

24/7 Emergency Assistance

With travel medical insurance, you can call the insurance company for support in the case of emergency. Emergency phone assistance can offer support such as help you locate the nearest hospital, arrange medical transportation and treatment, and replace medications. Many visitor insurance companies even offer translation services if you need help communicating in another language.

Other Benefits

Depending on your plan, the following visitors insurance benefits may also be covered:

  • Acute onset of pre-existing condition coverage
  • Terrorism coverage
  • Trip cancellation & trip interruption coverage
  • Baggage loss coverage

Accidents can happen at any time, anywhere, and most domestic healthcare plans do not cover medical costs incurred overseas. If you require medical attention while traveling abroad, your medical bills could cost you up to thousands of dollars without visitors insurance. The aforementioned travel medical coverage benefits may vary depending on your insurance policy, and you should read your policy’s details closely to ensure it is the right visitors insurance plan for you and your trip.

However, remember that coverage varies from plan to plan, and visitors insurance does not guarantee complete coverage. Be sure to refer to your policy's specific coverage details and exclusions.

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