Trip Insurance vs Travel Medical vs Global Medical Insurance

Travel Medical Insurance: Insuring the travellers medical expenses

While you an international traveler, traveling outside your home country you are vulnerable to medical issues given that you are in a new environment. You want to insure yourself against any emergency accident and sickness given that your domestic health insurance may not protect you outside your home country.

In this situation where the focus is on the health insurance coverage of the traveler, you need to buy travel medical insurance. Travel medical insurance is essentially short term health insurance for visitors traveling outside their home country.

This provides insurance cover for international travellers for any medical emergency or sickness and injury while they are in another country. The coverage includes inpatient and outpatient care, evacuation and repatriation. They cover the hospital room and board, ambulance services and any emergency services. Depending on the policy it might also cover political evacuation, terrorism, accidental death and dismemberment, natural disaster and repatriation of remains.

Some plans offer limited coverage while other are comprehensive in nature. You need to know the differences between limited and comprehensive coverage before you buy it.. Not all travel health insurance plans provide coverage for preventive care or for pre-existing ailments including maternity coverage.

A travel medical insurance protects you from any financial risk and can be the difference between a trip that is ruined by unexpected illness and a trip with sufficient insurance coverage with access to quality care and financial help. This insurance is also referred to as visitor health insurance, visitor medical insurance. At American visitor insurance, you can compare travel health insurance plans and buy them online. This is recommended for people traveling abroad or to foreign countries where risk to exposed health issues for unforeseen illness, injuries and accidents are higher.

Expat or Global Health Insurance

Expatriates who will be living outside their home country for an extended period should buy the Long term global medical insurance plans. These plans are like the domestic health insurance within the US and include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year). These plans can be renewed annually.

Unlike the other categories of travellers, expats are living outside their home country for a longer period of time. This could be a pensioner from the US or Canada living in a warmer country like in Latin America or the Caribbean, or it could be a young professional working in a different country. Essentially these popular US expatriate insurance is for pensioner or young expatriates who reside outside their home country and visit their home country perhaps once a year.

They specifically need health insurance to cover their regular medical needs like they would when living in their home country. If you are planning to live overseas for more than a year then you must get good Expatriate health insurance. These plans are available for periods of 12 months. This means that should you need any physical exam, dental care, vaccinations… you will be covered. Expat insurance includes:

• Extended hospital stays
• Routine medical and dental check ups
• Maternity care
• Wellness and preventive care
• Medical evacuation
• Prescription medications

Expat insurance provides access to one of the best healthcare providers in the network of global healthcare providers. They are annually renewable for long period up to certain age. Expat Global insurance is intended for individuals and family members living abroad for multiple years unlike travel insurance which is for international travellers for up to a year including long term travel abroad, family vacations and business trips. At American visitor insurance, you can compare global health insurance plans and buy them online.