Trip cancellation insurance or Travel medical insurance?

Trip Cancellation Insurance

Trip insurance plans are commonly known as trip cancellation or trip interruption insurance.

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Travel Insurance

Popularly known as Travel medical insurance or visitors health insurance, these plans are designed with a focus on the health insurance coverage of the traveler.
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Trip Cancellation Insurance

Trip cancellation plans are designed to insure both the health of the traveler as well as the cost of non-refundable trip expenses should the trip get cancelled or is interrupted. The trip interruption insurance coverage is effective after the trip has begun but is interrupted due to an emergency.
The non-refundable expenses can include hotel rooms, airline and cruise tickets...Depending on the trip cancellation plan, it might cover unexpected expenses resulting from lost, damaged, delayed or stolen luggage. While some plans require that the trip is cancelled for an approved reason other plans are available with 'cancel for any reason' benefit. Unless you have purchased 'cancel for any reason' policy, there are many valid reasons to change the dates of trip or cancel it completely that will not be covered.
Trip cancellation are popular with US citizens vacationing outside the United States. This is understandable given the domestic US health insurance provides little to no coverage outside the US and does not insure the costs of the vacation itself.

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Traveler's residence
# Travelers (Age)
Trip cost($)/person
Trip start date
Trip end date
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Travel Health Insurance

Travel insurance plans mainly insure the traveler in the event of any unexpected sickness or accident while traveling outside one's home country. These travel insurance plans for US Citizens work like regular health insurance but with the limitations of having no coverage for preventive care and with only some plans offering limited coverage for pre-existing conditions.
The coverage includes both inpatient and outpatient care, evacuation and repatriation. Travel insurance covers 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. Travel medical insurance is popular with international travellers visiting countries with high costs of healthcare like the United States or Europe. Immigrant communities in the US who have family visiting them buy best travel medical insurance to ensure that parents or other family members do not have to worry about medical expenses while in the US.

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Compare Trip cancellation insurance vs Travel medical Insurance

  Travel Insurance Trip Insurance
Trip Cancellation Covers the loss of pre-paid, non-refundable and unused payments, when the covered trip is cancelled due to illness, injury or death of family member; bankruptcy; jury duty; auto accident; terrorist incident etc.
Trip Cancellation is not available Trip Cancellation is available
One way cost of the Insured\'s ticket to return home, if the Trip is interrupted due to the death of a family member or destrucion of the insured\'s home or other eligible cause.
Trip Interruption is not available Trip Interruption is available
One way cost of the Insured\'s ticket to return home, if the Trip is interrupted due to the death of a family member or destrucion of the insured\'s home or other eligible cause.
Baggage Loss is not available Baggage Loss is available
Coverage for Emergency Medical Evacuations to the nearest qualified medical facility.
Medical Evacuation is available Medical Evacuation is available
Coverage for the loss of life or limbs in an accident.
Accident is available Accident is available
Medical ailments for which you have already received or are receiving treatment for. Pregnancy, AIDS, high-blood pressure and stroke are all forms of pre-existing conditions. Different insurance carriers have their own policies for pre-existing conditions.
pre-existing conditions coverage is available pre-existing conditions coverage is available
Dental Dental coverage is available Dental coverage is available
Pregnancy and Maternity Pregnancy coverage is not available Pregnancy coverage is not available
Mental health and drug abuse Mental health and drug abuse  coverage is not available Mental health and drug abuse  coverage is not available
Routine care for pre-existing conditions Routine care for pre-existing conditions   coverage is not available Routine care for pre-existing conditions coverage is not available
Cost $$ $$$
Why buy Trip Cancellation Insurance ? Is Trip insurance worth it?
Travelers can justified in asking if it is worth buying trip cancellation plans. Given the cost of a trip which is often an annual vacation, or sometimes a once in a lifetime travel experience, trips especially if it involves traveling overseas can be quite expensive. A planned vacation can involve expensive airline tickets, hotel reservations and cruise bookings, much of these done well in advance of the actual vacation. Given the hectic nature of our work and lifestyles, one cannot be absolutely certain that none of our planned travel plans will not need last minute changes. A serious medical situation of an immediate family member or even work related pressures can force a change in travel plans. It is here that Trip protection or trip cancellation insurance can make all the difference. Even if the trip starts on schedule, there can be unplanned adverse situations such as lost baggage, delay in flights resulting in missed hotel or cruise bookings or even a medical ailment during the trip. Again, in these situations trip insurance can be invaluable. There are different types of trip insurance plans available, some which cover cancellation for clearly defined specific reasons, some others which provide trip protection insurance for cancellation for any reason.
At American Visitor Insurance, we work with different insurance providers who specialize in Trip insurance. Compare trip insurance plans of different providers to find the best trip cancellation insurance for your specific needs.
How much does holiday insurance cost?
The cost of trip or cancellation insurance depends on the ages of the travelers and how much you want to insure your trip for. Remember that you will only receive the non-reimbursable portion of your trip deposit or trip costs. Two people in their thirties traveling for less than 30 days with a trip cost of $500 each can get a policy from $40 to $100 depending on the details of the coverage they desire. The more expensive plans will include coverage for "cancel for any reason."
Does travel insurance cover medical expenses?
There are two general categories of travel insurance. There are trip cancellation policies (we will consider travel insurance from a credit card in this category) and travel medical insurance. MOST trip cancellation policies also cover medical expenses while on your trip. However, some cheaper plans and many offered through credit cards, do NOT. I recently checked my own credit card coverage and the coverage is limited to what I purchased using my card (so flights, hotel reservations only). If I get sick, that insurance alone will not cover me. This is getting to be more of an issue as our own domestic US policies often do not cover us well outside of our home state. The other type of policy is a travel medical policy. This does NOT cover trip cancellation; however, if you are not able to go on your trip, you can simply cancel your policy before it begins for a full refund of the policy. If you purchase a comprehensive policy, you will also get many travel benefits like you do with the trip cancellation policies, such as: lost baggage, trip interruption, and accidental death benefits. They may not be as high as with a trip cancellation plan, but they give some peace of mind and they allow you to choose more specifically the amount and type of medical coverage you need while you are traveling. Some policies offer coverage for acute onset of pre-existing medical conditions, for example. All policies offer some coverage of emergency medical evacuation and repatriation. So, the answer to the question is Yes and No. Be sure you have a travel insurance plan that will cover what is important to you while on your trip.
 
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