Whether you are a US or a non US citizen international travel insurance plan cover medical expenses, reimbursement of non refundable expenses which occur due to a hotel or flight cancellation, injured travelers evacuation expenses to nearest hospital or their home country etc.
It is very important that we have a medical cover since most of the insurance companies do not provide insurance protection outside US borders. Evacuation of travelers basically mean when a traveler is seriously injured and they have to be evacuated to any nearest hospital or even send them back to their home country incase of critical injury which has occurred during the journey.
Travel insurance are of 2 types, 1) Trip cancellation Insurance & 2) Travel Health Insurance. US citizens can apply for both of the plans while non US citizens can apply only for Travel Health Insurance plan.
The main difference between both the plans is that in case of Trip cancellation insurance policy, plan covers medical expenses, injured travelers evacuation to their home nation, reimbursement of a cancelled trip whereas Travel Health Insurance covers all of these expect reimbursement expenses of a cancelled trip.
For Trip cancellation insurance, US residents can avail medical expenses for a maximum amount of upto $50,000. Trip cancellation reimbursement usually occurs due to unavoidable circumstances such as terrorism, bad weather, death of the insured traveler etc. Pre existing sickness is also covered under both the plans but the policy must be taken 15 days prior to the traveler?s first trip overseas.
Medical benefits for international travel insurance which is applicable for US & Non US limit range from $60,000 to $1 million, evacuation expenses for upto $300,000, pre existing condition expenses limit for maximum of $20,000 applicable for US nationals & $3,000 for non US nationals.
Premium comparison chart ? Trip cancellation Insurance cover for a 25 year old US citizen, premium will be $72 for trip expenses of $2,000. The premium is payable monthly. For Travel Health Insurance plan, monthly premium will be $50.40 for both US & non US citizens with sum insured at $60,000.
Find out more information on international travel health insurance plans by going through the following website.
Learn more about international travel insurance and international travel health insurance.
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