International Travel Insurance For US Citizens

We will be talking briefly on International Travel Insurance For US Citizen. Travel insurance is important as it gives you extra protection if your holiday did not go as planned. It is particularly important to take out travel insurance if you are travelling independently because you may find yourself stranded with no way to get home and no-one to help sort out your holiday problem.

It is a type of insurance cover that protects you against the financial dangers of travelling. When you travel for work or pleasure, it makes sure you are covered in case of accidents, illness, or property damage like lost luggage, a delayed flight, a missed flight, medical emergency, personal money loss, or trip cancellation.

Why Is It Important To Have Travel Insurance

Travel insurance can protect you against the following things going wrong:

  • Cancelling or cutting short your trip for reasons beyond your control
  • Missed transport or delayed departure for reasons beyond your control
  • Medical and other emergencies
  • Personal injury and death
  • Lost, stolen or damaged items, including baggage, passports and money
  • Accidental damage or injury caused by you.

International Travel Insurance For US Citizen

Can US Citizens Buy Travel Insurance?

Yes; U.S. citizens and residents traveling domestically and overseas for business, vacation, or study can buy travel insurance by choosing from a number of travel insurance plans available. The right travel insurance plan can help make sure you are able to pay for medical care during your trip, or save your from losing money on cancelled travel plans.

How Does Travel Insurance Work

Here is how travel insurance work: If you get sick or injured six days into a 14-day trip and cannot continue, your trip insurance can reimburse you the costs for the remainder of your trip. Other situations in which insurance will cover you and reimburse your non-refundable costs include:

  • Severe weather that cancels flights or causes damage at your travel destination;
  • You losing your job or being required to work during the time your trip was scheduled
  • If you are called to jury duty and can’t get out of it
  • If your travel provider goes bankrupt.

Travel insurance also covers, death benefit, emergency medical treatment you need on a trip and reimbursement for lost baggage.

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NOTE: Coverage can vary by provider and plan.

Examples Of Travel Insurance

1. Travel Insurance Select®

Flexible Trip Cancellation & Medical Expense Coverage

Features: Coverage for trip costs (non-refundable deposits), emergency medical expenses, medical evacuation expenses and baggage delay, loss, theft or damage. Excellent benefits. Cancel For Any Reason coverage available.

Trip Length: Single trips up to 90 days.

Designed For: U.S. residents

2. InterMedical® Insurance

Low-cost International Medical Insurance

Features: Medical and Evacuation coverage with variable limits and great rates, especially for longer trips. Coverage for Terrorism, and Sports and Hazardous Activities included.

Trip Length: Single trips from 5 to 364 days.

Designed For: Anyone traveling outside the U.S. and his/her home country.

Affordable Health Insurance for International Students & Study Abroad

Features: Great rates starting at $2.07 per day. Meets Department of State requirements, and many university international student and study-abroad program requirements. Coverage available for spouses and children.

Trip Length: 30-day minimum, 364 days maximum. Renewable for up to 4 years.

Designed For: Students under age 65 studying outside their home country.

4. WorldMed® Insurance

Flexible, Renewable Medical Insurance for Travel or Living Abroad

Features: Medical and Evacuation coverage with variable limits and great rates, especially for longer trips. Coverage for Terrorism, and Sports and Hazardous Activities included.

Trip Length: Single trips of up to 364 days.

Designed For: Anyone traveling outside his or her home country.


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Health Insurance Out Of Country (US)

Health insurance coverage usually falls into two major categories: coverage while traveling and coverage if you reside outside of the U.S. Many U.S. carriers have some sort of coverage for emergency care while traveling. You need to confirm with your insurance carrier to ascertain what is covered and what is not.

This is why you need to ask these questions before you embark on any form of travel outside your country of insurance coverage:

  • What is covered?
  • How much will they pay? (in full or a percentage of the costs)
  • What is the maximum benefit?
  • Do they pay direct to the health care provider or do you have to pay and get reimbursed?
  • What documents do you need to claim reimbursement?
  • How long can you be out of the U.S. for the benefit to still be in effect?
  • Which countries do they cover?

Most U.S. health insurers do not cover treatment if you become a resident outside the U.S. Neither, of course, does Medicare. But to be sure as stated earlier, it is worth asking your health insurance company about it if you are thinking of moving abroad.


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