Trip vs Travel vs Global Medical Insurance plans

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).

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.

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