Overseas Travel Health Insurance

Overseas travel insurance is a type of travel medical insurance that provides coverage for medical expenses and emergencies while traveling outside your home country. It can cover hospitalisation and medical treatment expenses, and evacuation costs up to the plan limits. Overseas travel insurance can also significantly help lower out-of-network expenses and avoid paying out of pocket for overseas hospitals. The preferred provider organisation (PPO) network expenses can be significantly lower than regular hospital bills in the United States. There are different categories of travel health insurance depending on the length and purpose of the trip, such as trip insurance and travel medical plans. There is single trip travel insurance for occasional travelers and multi-trip travel insurance for frequent flyers.

Some of the benefits of buying overseas travel health insurance are:

• Provides cashless hospitalization facility
• Offers 24x7 medical assistance
• Offers global coverage
• No paperwork or pre-policy medical check-up needed

Some of the factors to consider while choosing overseas travel health insurance are:

• The travel destination and the geographical scope of the plan
• The travel length and frequency of travel
• The sum insured and the premium amount
• The coverage for pre-existing conditions and adventure sports and any limitations
• The claim settlement process and customer service of the insurer

Overseas travel health insurance is essential because it protects you from unexpected medical expenses that can arise during your trip. It ensures that you receive necessary medical care without incurring significant financial burdens while in a foreign country. It can also provide you with peace of mind, convenience, and assistance services in case you face any medical or non-medical problems during your trip.

Some of the common scenarios where overseas travel health insurance can be useful are:

• You get sick or injured and need to visit a doctor or hospital
• You have a pre-existing medical condition that flares up while traveling
• You need to cancel or interrupt your trip due to an unforeseen circumstance
• You lose your baggage or passport or face a flight delay or cancellation
• You need to be evacuated or repatriated due to a medical or political emergency

Without overseas travel insurance, you will have to pay for these expenses out of your own pocket which is very expensive. Therefore, it is advisable to compare the different plans on American visitor insurance and buy a suitable travel health insurance before you travel overseas.

Overseas travel health insurance typically covers medical expenses, emergency medical care, hospitalization, surgeries, medications, and sometimes dental care. It also includes coverage for emergency medical evacuation and repatriation.

Overseas travel medical insurance typically covers the following expenses:

• Medical expenses for treatment of illness or injury, including hospitalization, surgery, medication..
• Emergency dental expenses for acute pain relief
• Emergency medical evacuation or repatriation to your home country or nearest medical facility
• Personal accident cover for accidental death or permanent disability
• Loss or delay of baggage
• Flight delay or cancellation due to weather or other covered reasons
• Loss of passport or other travel documents
• Emergency financial assistance in case of theft or robbery
• Trip cancellation or interruption due to unforeseen circumstances (with CFAR insurance full flexibility for trip cancellation)

Overseas travel health insurance plans may also offer additional benefits, such as:

• 24/7 assistance services for medical or travel-related queries
• Cashless hospitalization facility at network hospitals
• Coverage for acute onset of pre-existing medical conditions or clearly defined coverage for pre-existing conditions
• Coverage for adventure sports or activities up to a defined limit
• Coverage for Covid-related expenses

You should compare overseas travel insurance on American Visitor Insurance to get the best plan for your needs and read the policy details carefully to understand the scope, terms, and conditions of your overseas travel health insurance plan.

Coverage for overseas travel health insurance pre-existing conditions varies depending on the insurance provider and policy. Some plans exclude pre-existing conditions, while others may provide limited coverage or require additional premiums. Some overseas travel health insurance plans also offer coverage for acute onset of pre-existing conditions, when the situation is life-threatening. This coverage is only available till the insured traveller can be made medically stable.

You should compare overseas travel insurance for pre-existing conditions coverage on American Visitor Insurance for price and coverage benefits. Travelers should also read the policy document carefully to understand the benefits, terms and conditions of the overseas travel health insurance for pre-existing conditions.

Yes, you can buy overseas travel health insurance even if you have an existing medical condition. However, the coverage for your pre-existing condition may have limitations, so it's crucial to compare overseas travel insurance for pre-existing conditions coverage on American Visitor Insurance for price and coverage benefits and review the policy details carefully.

The duration of coverage can vary depending on the policy. It can be purchased for a specific trip duration or as an annual travel policy for frequent travelers. Generally, a single trip travel insurance policy is between 5 to 364 days. You can choose to be covered for only the days you will be abroad. You can also get an annual travel insurance plan if you travel frequently, but coverage is limited to a certain number of days per trip. The annual multi-trip travel insurance plan usually covers up to 30, 45 or 60 days per trip with unlimited trips during the year.

You should consider the duration of your trip when selecting medical insurance for international travel. A single-trip insurance plan may be sufficient for a short trip. However, an annual multi-trip insurance plan may be more appropriate if you take several trips in a year.

Some overseas travel health insurance plans may offer coverage for trip cancellation or interruption due to unforeseen circumstances, such as a medical emergency, natural disaster, or other covered reasons. It is important to compare the overseas trip cancellation insurance plans on American Visitor Insurance for price as well as coverage details.

Trip cancellation insurance can reimburse you for non-refundable trip expenses, such as airfare, hotel, or tour bookings, if you have to cancel your trip before departure due to a covered reason, such as illness, injury, death, or natural disaster. Trip cancellation insurance only applies if the cancellation is caused by a covered reason. Some plans also offer Cancel for any reason (CFAR) travel insurance with full flexibility to cancel your trip.

Overseas trip interruption insurance can refund lost prepaid costs, minus any available refunds and up to the maximum benefit amount, and cover the cost of your extra accommodations and/or your trip home (depending on which plan you choose), if you have to cut short your trip after departure due to a covered reason, such as illness, injury, death, or natural disaster.

Some of the common covered reasons for overseas trip cancellation insurance or interruption are:

• Sickness, injury, or death of the insured traveller, a travelling companion, or a family member
• Inclement weather or natural disaster that prevents the insured traveller from reaching the destination or causes the destination to become uninhabitable
• Terrorism or civil unrest at the destination that makes it unsafe to travel
• Strike or mechanical breakdown of the common carrier that results in a significant delay of the trip
• Jury duty, subpoena, or quarantine of the insured traveller
• Theft of passport or visa that makes it impossible to travel

Some of the common exclusions for trip cancellation or interruption unless you have CFAR insurance are:

• Change of mind or personal reasons that are not covered by the policy
• Pre-existing medical conditions that are not waived by the insurer
• Travel advisories or warnings issued by the government or health authorities
• War or military action at the destination
• Bankruptcy or default of the travel supplier
• Pandemic or epidemic (unless specified otherwise by the insurer)

Yes, there are typically exclusions in travel health insurance policies. Common exclusions include preventive care and vaccinations, elective procedures, cosmetic treatments, injuries resulting from risky activities, and self-inflicted injuries. Reviewing the policy terms and conditions in the brochures available on American Visitor Insurance to understand the specific exclusions.

Choosing the right overseas travel health insurance plan can be overwhelming, especially with many available options. This is why American Visitor Insurance has developed the comparison tool to compare and review all the Overseas travel insurance plans offered by reputed US insurance providers. In general the following are some factors to consider when selecting a travel health insurance plan:

• Coverage: The first thing to consider when choosing an international medical travel insurance plan is the coverage. You should look for a plan that covers your medical expenses, hospitalisation, emergency evacuation, repatriation of remains, emergency dental treatment, personal accident, and other adverse events that may occur during your trip. You should also review policy limits, deductibles, co-payments and exclusions in the policy brochures on American Visitor Insurance.
• Duration of Trip: Consider the duration of your trip when selecting medical insurance for international travel. A single-trip insurance plan may be sufficient for a short trip. However, an annual multi-trip insurance plan may be more appropriate if you take several trips in a year.
• Pre-Existing Medical Condition coverage: If you have a pre-existing medical condition, ensure the travel health insurance plan covers it. Most plans do not cover pre-existing conditions or offer coverage for acute onset of pre-existing conditions. INF travel insurance offers some of the best coverage for pre-existing conditions.
• Cost: Compare the cost of different travel health insurance plans and choose the one that offers the best value for money. The cost of the plan may depend on various factors, such as your age, destination, duration, coverage, and benefits.

This depends on the insurer and the plan you choose. Some insurers may allow you to purchase overseas travel health insurance after you have started your trip, while others may not. You can review the plans on American Visitor Insurance as some of our plans do allow travelers to buy insurance after the start of the journey. Do call us at 877-340-7910 and we can help you in this situation.