What You Need to Know About Travel Insurance (2024)

What You Need to Know About Travel Insurance (1)

This article is brought to you byMedEx of UnitedHealthcare Global. All opinions are my own.

What You Need to Know About Travel Insurance (2)

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What You Need to Know About Travel Insurance (3)What You Need to Know About Travel Insurance (4)

The school year is coming to an end soon, which means summer plans are about to be kicked off and will go into full swing. My family has a few fun trips planned for the summer, a few of which may be international. There are so many things to consider and prepare for when you are getting ready to travel (in the country or international) that we sometimes forget the most important thing. What happens when we get sick overseas, need medical documents wired over, or even need a filling replaced? It is very important when you travel to get International Travel Insurance.

You may be thinking to yourself that you don’t need travel insurance, but sometimes the unexpected happens. If and when it does, it is always good to be prepared. Let me tell you about a fellow traveler who was visiting Kenya. While traveling, he was in a horrible car accident and had multiple fractures to his right leg. He ended up needing to be airlifted to Paris for surgery. All of this, plus phone calls to keep his family up to date and his plane ride back to Kenya, was covered by his MEDEX international travel insurance.

When you are ready to travel abroad, check out the MEDEX international travel insurance plans available from UnitedHealthcare Global. These plans and deductibles are completely customizable to fit your needs, including but not limited to, sports riders, lost baggage coverage, and more. Plans are available for as little as 7 days to a maximum for 365 days and have 3 tier plans available to suit your needs.

Here are a few reasons why you need MEDEX:

  1. Find quality care – Easily find the best hospital and emergency team with travel insurance.
  2. Keep costs in line – In most other countries, the doctors will want you to pay in advance, and in full, for any treatment you receive then you will have to submit it to your insurance company when you get back in the states and hope they reimburse you. With travel insurance, they take care of it all and you might only pay a slight deductible.
  3. Get home in a medical emergency – If you need to rush home, international travel insurance can help you get there, transfer all of your records, or even bring someone over from another country to help you.
  4. Handle non-medical problems (lost or stolen passport or money transfer) – If you ever find you’re in trouble or have lost your money transfer, the emergency response team with MEDEX can assist you, and even help get legal help. It’s like having a friend in your back pocket the whole time.
  5. Safeguard what you have already invested into your vacation – It takes time to save to travel abroad, especially for families! With MEDEX, they will make it easier to handle your lost baggage or your missing passport.

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MEDEX is affordable and a basic travel medical policy can cost about the same as a nice meal at a restaurant. For piece of mind, that sounds wonderful. Before your next trip, be sure you purchase travel insurance to give you piece of mind and comfort knowing you are covered if the unexpected happens. MedEx of UnitedHealthcare Global offers affordable travel insurance that you can customize to fit your needs. (Washington State and New York residents, please note that travel insurance plans are not available for purchase in your states.)

Where will your travel plans take you this year?

What You Need to Know About Travel Insurance (6)

About Nicky Omohundro

Nicky Omohundro is a travel and active family lifestyle blogger and social media influencer based out of Oklahoma City, Oklahoma. She shares stories, destinations, and ideas on food, family, health, and outdoor recreation to help families find their own adventures. Her spirit animal is a caffeinated squirrel fueled by coffee, real food, and the desire to seek new adventures.

Reader Interactions

Comments

  1. What You Need to Know About Travel Insurance (7)Erica Schwarz

    Wow I would never think to get something like this for traveling overseas but I totally get why I should. Not that I get to travel overseas. And I’m jealous you get too 🙂

    Reply

  2. What You Need to Know About Travel Insurance (8)MsCrookedHalo

    Wow. Travel insurance is not something that I ever knew that I needed. Thanks.

    Reply

  3. What You Need to Know About Travel Insurance (9)Sandra

    Having extra medical insurance while traveling is probably worth the piece of mind. We haven’t traveled overseas in many years and when we did we were active duty military. Now that my husband is retired, I’ll have to double check on our coverage when we take our next trip!

    Reply

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What You Need to Know About Travel Insurance (2024)

FAQs

What questions do they ask for travel insurance? ›

Examples of questions asked during medical screening include:
  • Have you had any surgery, inpatient, or outpatient treatment or any referrals or investigations?
  • Have you had any unplanned hospital admissions?
  • How many medications do you take?
  • Are you or have you ever been a smoker?
Feb 23, 2024

What to look for in travel insurance? ›

Your travel insurance should always include the following cover:
  • medical expenses and cover for getting you home if you're injured or fall ill abroad.
  • personal injury and cover for accidents or damage caused by you.
  • cover for lost or damaged items.
  • cover for lost or delayed baggage.

What is the most common travel insurance claim? ›

By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain.

Is $50,000 travel insurance enough? ›

For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas. Carefully review the full details of your travel insurance policy. To find a basic plan that's affordable, search SquareMouth now.

What does travel insurance not cover? ›

Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.

What conditions are not covered by travel insurance? ›

Conditions which may not be covered

Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.

How many days before should you buy travel insurance? ›

If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.

Does travel insurance cover a cancelled flight? ›

Cancellation cover is a common inclusion with most standard travel insurance policies, but you can take it out separately if it doesn't offer enough cover. Alternatively, if you only want cancellation cover to protect you against cancelled flights rather than baggage protection, you can get it for that.

How much is enough travel insurance? ›

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Do travel insurance companies actually pay out? ›

Travel insurance compensates you for money you lose due to unforeseen events before and during your trip. Just as importantly, it can pay for emergency medical care and evacuation during your trip.

How to prove illness for travel insurance? ›

Regardless, if you feel too sick to travel it's important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you're looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.

What are the best travel medical insurance companies? ›

Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz. Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you're hurt or become sick while traveling.

Does travel insurance cover 100%? ›

If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.

What happens if you have a medical emergency abroad? ›

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

Does travel insurance ask for proof? ›

If your trip is cancelled or disrupted, and the incident is covered under your travel insurance plan, you file a claim with your insurer. You may be asked to submit documentation so your losses can be verified and your benefits can be approved.

What to expect in an insurance interview? ›

During the interview, you should be ready to discuss topics such as your motivation and interest in working for the company and in the insurance industry, your strengths and weaknesses as an insurance professional, your knowledge of the insurance products, policies, regulations, and trends, your experience and skills ...

Do you have to prove illness for travel insurance? ›

Regardless, if you feel too sick to travel it's important to have your opinion confirmed and your diagnosis documented by a doctor. Medical documentation will be required if you're looking to be reimbursed for your non-refundable trip costs if you have to cancel your trip.

How soon before a trip should you get travel insurance? ›

When Is the Best Time to Get Travel Insurance? If you're wondering when you should buy travel insurance, the simple answer is as soon as possible. Ideally, you'll buy coverage no later than 15 days prior to your trip.

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