Visitors Insurance

International Travel Tips

How much does visitor medical insurance cover? Policies also differ in how much they cover different issues. Read carefully about: Intensive care unit stays, surgery, transplants, outpatient services (e.g. rehabilitation or prescription medications), emergency room visits, dental care, ambulance transport, and repatriation (sending your body home if you die).

Visitor Medical Insurance Exclusions

What is excluded from the visitor medical insurance policy? Read this list carefully. Some policies will not cover you in the event of a terrorist attack, for an injury incurred playing sports, or any number of other situations. Sometimes you can pay more for a “rider” so that you can be covered for things that would otherwise be excluded, such as sports or terrorist attacks. Policies commonly exclude glasses, elective or experimental treatment, war, immunizations, sexually transmitted diseases, hearing aids, anything that happens when you are under the influence of alcohol or drugs, and anything that happens when you are breaking a law (including traffic violations and political protest).

Travel Health Insurance Deductibles

The deductible is the amount that you pay out of pocket before the travel health insurance policy kicks in. You will usually have a range of options, and the higher the deductible, the lower the premium. Compare deductibles with differences in premium prices, and critically evaluate whether you’ll be able to cover the deductible if you need to. Look at what is excluded from the deductible. Sometimes policies will cover evacuation or one doctor visit per year without making you pay the deductible.