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Depending on the company selling it, it is sometimes called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.
These plans are for travelers leaving their home country that are concerned with coverage abroad.
Travel medical insurance is for travelers who are leaving their home country.
It provides coverage for medical emergencies and evacuations.
You do not want anything to ruin your hard earned holiday, foreign study or your crucial business meeting.
One usually travels abroad for various reasons- a pleasure trip, a business trip, a study trip etc.
If your main destination cannot be determined, the country you first enter is responsible for granting your visa.
Travel medical plans often include some Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury.
This coverage can fill out your life insurance benefits and provide extra coverage for you or your family in the case of a serious accident.
In general, the premium amount for a travel medical plan is based on: While some travel medical plans will cover a few package-like benefits, the typical travel medical plan does not cover trip cancellation, trip interruption, baggage loss, travel delays and other benefits typically associated with package plans.
Travel medical plans are meant for the overseas traveler seeking medical insurance protection outside their home coverage network.
They were a pioneer in first developing travel medical insurance and have lead the market for decades.