Trip vs Travel vs Global Medical Insurance plans

Confused whether you need to buy Trip Insurance or Travel medical insurance or long term Global btn-darklth insurance? Here are some differences:

Trip Insurance

Insures the cost of the trip

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Travel Medical Insurance

Insures traveller's medical expenses

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Global Plans

Long-term exclusive coverage

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Covered benefits
This insurance covers all pre-paid expenses for trip cancellation, trip interruption, trip delay, baggage loss, airline expenses, rental car coverage, hotel bookings, cruise bookings and any other trip related costs. This will also cover medical benefits like dental expense and other expenses that a travel medical insurance covers. These plans provides coverage for both US and Non US citizens medical benefits such as dental expenses, pre-existing conditions coverage, emergency medical evacuation, repatriation benefits, medical expenses for any injury and unexpected sickness outside their home country. Global medical insurance provides worldwide coverage for both Non US citizens and US expats unlike regular travel medical insurance. They include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year).
Limitations
Trip insurance does not provide any coverage for routine and preventive care. Pregnancy and maternity related benefits are not covered. Mental btn-darklth and drug abuse are not covered. Routine care for pre-existing conditions is not available. Routine care for pre-existing conditions is not covered. Pregnancy and Maternity benefits are not covered. Preventive Care services are not available. People above age 70 get limited coverage for pre-existing conditions. Coverage for US and Non US citizens is not available in their home country (unless below the threshold limit of days within home country allowed by insurance company). Waiting period may be applicable for pregnancy and maternity coverage. These plans are not guaranteed approval as they go through underwriting review.
Cost
The cost of a trip protection insurance policy will depend on the money you have invested on your vacation and any additional coverage you may need The cost depends on the type of travel insurance you buy, some plans are limited while others are comprehensive. You need to understand the differences between fixed and comprehensive plans before you buy it. More expensive but is comprehensive as they offer long term coverage and includes coverage for maternity, mental, dental, vision and preventive care services. Global plans also offer fixed or comprehensive coverage
Popular Plans
Travel Lite | Travel SE | Travel LX | Round Trip | Round Trip Elite | Round Trip Economy | Round Trip Choice Visitors Care | Visitor Secure | Inbound USA Basic | Patriot America Plus | Patriot International | Patriot Platinum | Atlas America | Atlas International | Liaison Travel Choice | Liaison Travel Elite | Liaison Travel Basic | Patriot Platinum | INF Elite Network | INF Traveler USA | Liaison Travel Plus Global Medical Insurance | Global Medical Bronze | Global Medical Silver | Global Medical Gold | Global Medical Gold Plus | Global Medical Platinum | GeoBlue Xplorer Premier | GeoBlue Xplorer Essential | GeoBlue Xplorer Select
  Trip Insurance Travel Insurance Global Plans
Trip Cancellation Trip Cancellation is available Trip Cancellation is not available Trip Cancellation is not available
Trip Interruption Trip Interruption is available Trip Interruption is not available Trip Interruption is not available
Baggage Loss Baggage Loss is available Baggage Loss is not available Baggage Loss is not available
Medical Evacuation Medical Evacuation is not available Medical Evacuation is available Medical Evacuation is not available
Dental Dental is available Dental is available Dental is available
Accident Accident is not available Accident is not available EvacAccidentuation is not available
Pre-existing conditions coverage pre-existing conditions coverage is not available pre-existing conditions coverage is available pre-existing conditions coverage is available
Pregnancy and Maternity Pregnancy coverage is not available Pregnancy coverage is not available Pregnancy coverage is available
Mental btn-darklth and drug abuse Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is 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 Routine care for pre-existing conditions coverage is available
Cost $$$ $$ $$$$

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Best health insurance for visitors to USA - Comprehensive plans
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Best travel insurance for USA - Fixed plans
  • Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
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