International Travel Insurance Q&A
What can international travel insurance cover?
All our plans can cover medical emergencies, trip cancellation, trip interruption, medical evacuation, and lost, damaged, or stolen luggage. ExactCare Extra also adds fixed-benefit claims payments for approved flight annoyances like flight departure delay, missed connections, and tarmac delay. Depending on what plan you buy and when you buy it, international travel insurance can also cover pre-existing medical conditions, and trip cancellation for any reason.
Can you buy international travel insurance online after booking?
Yes! That’s a great time to buy travel insurance for an international trip. If you buy within 15 days of making your initial deposit, you can often qualify for bonus coverage. For instance, if you want international travel insurance with coverage for pre-existing medical conditions, you need to buy early. However, if you’re a procrastinator, many plans let you buy coverage up until the day before you leave.
How much does international travel insurance cost?
Plan costs vary depending on what they cover, but expect a plan to cost about 8 to 10 percent of your total prepaid trip cost, regardless of whether you buy international travel insurance online or from a travel professional.
Is trip insurance worth it for international travel?
Absolutely! Travel insurance is often worth the investment for its potential to help reimburse you for hundreds of thousands of dollars of covered expenses for emergency evacuation, medical bills, and costs related to trip cancellation and interruption. Also, trip insurance is recommended for travelers by the U.S. State Department, further underlining its worth. (Source: travel.state.gov)
Do I need international travel medical insurance, or health insurance while travelling internationally?
Not all medical plans cover you when you travel overseas, meaning you could be faced with thousands of dollars of medical bills that you have to pay on the spot. Travel insurance can help pay hospital and doctor bills if you get sick or injured when you’re on vacation in a foreign country, and can cover the cost of the medical evacuation to transport you to an adequate medical facility.
Should you get travel insurance for international travel?
We think so, but if you’re not sure, ask your travel professional, or someone who travels abroad frequently.