Whether you are a U.S. citizen traveling abroad or a resident from another country planning a trip to the United States, travel insurance is strongly recommended as a means to supplement your medical insurance plan. Many traditional insurance carriers have extremely limited coverage outside of their home country and oftentimes require that the patient pay the entire medical bill upfront; filing a claim for reimbursement once they return home. Filing a claim is an extremely complex and time consuming process, and does not guarantee any return of payments made. Therefore, adding a travel insurance plan that covers medical and travel emergencies up front can provide peace of mind.
Travel Insurance provides inexpensive but broad coverage in such instances. The coverage allows you to design it according to your needs, such as different deductibles and maximum benefits, allowing you the insurance coverage you desire.
Items covered by travel insurance:
- Accidents or illnesses
- Medical evacuation
- Trip cancellation/interruption
- Accidental death or dismemberment
- Returning ones remains to home country
- Lost or stolen baggage
There are even options to add hazardous sports riders to your policy should your trip include activities such as surfing, skiing, or hang gliding, or in the case of visiting countries prone to natural disasters. In such cases, premiums will be increased accordingly but you can rest assured you have complete coverage.
Travel Insurance exclusions:
- Pre-Existing conditions
- Acts of war or terrorism
- Injuries related to drug or alcohol usage
Our agents can guide you through the application process, helping you obtain your policy and identification card instantaneously. Don’t go on your next trip without adding this essential coverage. Call us today!