Do you love traveling across cities or even countries? Have you ever think to cover your medical condition during your trip? Well, if not yet, this is the time for you to put more interest on it. Why? When you are traveling, you can’t predict what is going to happen later, do you? You might get sick or injured in the middle of your trip. The medical cost abroad will be very expensive, and you will end up regretting your late decision. It is the reason why getting medical coverage during your travel is essential. Lots of insurance companies will help you to solve this problem. However, if you confuse which one offering the best coverage, here we provide you top best travel medical insurance reviews to help you choose the best one for you. Check out the details below!
Consideration before Choosing Travel Medical Insurance
Before choosing the insurance company, there are some considerations to help you put your choice in the best one. As you might already know, travel medical coverage comes in different shape and size. One insurer might only sell medical coverage, while the others will offer you more customized coverage plan to cover a few specific risks. However, a good travel insurance company should at least offer a policy that includes five major coverages, including:
- The emergency medical care that is covering treatment cost for a medical emergency during your trip.
- Medical evacuation and repatriation to help you arranging and paying for medical transport to the health center, or if necessary, return to your home.
- Trip cancellation or interruption including reimbursing pre-paid and non-refundable expenses such as hotels, flights, and tours, if you are in the condition that needs to cancel your trip or cut the travel period.
- Loss and delay baggage or personal item. Another unexpected experience during your trip isn’t only about your health condition, but also about your belongings. A good travel insurance company should also cover lost, stolen, or damaged baggage or personal items. Moreover, they might also offer to reimburse for your clothes, toiletries, or other essential items if your baggage gets delayed.
- 24/7 worldwide assistance is needed to help you deal with your claims, medical emergencies, and other travel-assistance anytime anywhere.
Top Best Travel Medical Insurance
In the following list of travel medical insurance reviews, you can choose which one is the best one to cover your next trip.
- Travelex Insurance Services
Travelex Insurance Services positioned at the top list selection due to various travel insurance plan offers. Of course, each insurance plan comes along with a different level of protection. However, Travelex offers 24-hour medical assistance, hospital service, ambulance transportation, emergency dental procedures, and so on. Moreover, the plans can also cover for both new and pre-existing conditions for frequent and infrequent business travelers. You can also choose other optional coverages. For example, the Adventurer Plus Pak that covers activities such as motorcycles and also reimbursement for stolen sports equipment, or The Lifestyle Pak that covers specific travel types.
Travelex offers the best coverage for a family trip. Why? Travelex is the only insurance company that covers children under 21 at no additional cost. It is the best offer for a family with more than one underage kids who go along on the trip. However, there are some restrictions to get that offer. For example, you need to purchase the middle-tier Travel Select plan with $50K for medical treatment coverage caps and $25,000 of total trip cost. There is also optional coverage that is the Active Family Pak that covers child care cancellation and traveling pets’ medical protection.
Furthermore, you can also calculate your insurance quote through Travelex online quote tool. When you are visiting Travelex official website, you just need to enter your travel dates, state, age, and costs to calculate the quotes. The results will come out in seconds. If you have any questions, the customer service always ready to friendlily pick up your phone call in less than a minute and reply your email within hours.
- MH Ross
MH Ross offers several different policies for medical travel insurance with the different limit for each policy. On top of the options, this insurer provides a Complete plan worth $250,000 for emergency medical treatment for illness and injuries coverage with additional emergency medical evacuation coverage worth $500,000. MH Ross also cover pre-existing conditions on all plans include dental expenses. If you get injured or ill during your trip, MH Ross insurance will also cover for ambulance transportation and prescription medications. The best thing from MH Ross travel medical insurance is a variety of plan options. For example, if you think that $250,000 medical coverage is too much to cover your travel, you can opt for a more affordable plan such as $50,000 worth of coverage only.
- HTH Travel Insurance
One nice thing from purchasing a policy from HTH Travel Insurance is that you are the one who chooses how much medical coverage you will need. You can put any number up to $1 million. From its various travel medical coverage plans, HTH gives more flexibility. It means you can decide to keep all or deduct some points from the plans. Comparing to other travel medical insurance company, HTH might be the only one provides this valuable offer. However, you need to enroll in a primary health plan in advance to be eligible for the plans.
- Generali Global Assistance
Generali Global Assistance also offers up to $250,000 worth of emergency medical costs. This number will be calculated from what kind of treatment you receive during your trip. The coverage will include coverage for medications, surgeries, and doctor visits. Moreover, Generali also provides coverage up to $1 million for emergency medical transportation like ambulance, bedside visits, and also return of remains. In this way, this insurer will ensure that the customer, especially kids, can get home safely from their trip. One thing to be considered choosing Generali is it pre-existing conditions which only cover under the Premium plan. The pre-existing also covers up to final payment on the booking of your trip.
So, do you think which one will offer the best coverage for your next travel agenda?