Question

Health Insurance

How does travel insurance work?

A Answers (3)

  • AMichael Roizen, MD, Internal Medicine, answered

    Travel insurance helps cover specific costs associated with travel, including the cost of the plane fare or a cruise or group excursion if you have to cancel due to illness or other covered reasons. It also can cover the cost of medical and dental care abroad.

    You can contact travel agents and private insurance companies to purchase travel insurance. Since we’ve become so tech-savvy, you can even buy it as you purchase your plane tickets online. Before you do that, though, you should also call your insurance company and see if they have a travel policy you can buy or if they offer coverage as a part of the plan you already have. Make sure you have something to entertain yourself since you’ll probably be on hold for a while.

    Need more information? The Bureau of Consular Affairs (part of the United States Department of State) offers a free brochure with several companies that offer short-term travel insurance policies.

  • AGrannies on Safari answered

    Travel insurance helps cover specific costs associated with travel, including the cost of the plane fare or a cruise or group excursion if you have to cancel due to illness or other covered reasons. It also can cover the cost of medical and dental procedures.

  • AUnitedHealthcare answered
    There are many different types of travel insurance plans that offer a variety of options to consumers.  Depending on the amount of financial protection you need, you can purchase an insurance policy that pays you back if your trip is interrupted.  Let's say you are planning a luxury Mediterranean cruise but you cannot afford to lose the thousands of dollars if you become ill or if a family member has an emergency. Travel insurance can give you peace of mind by covering the reimbursement of all these expenses --the prepaid cost of the cruise, any cruise excursions, and the airline flights--if this is guaranteed in writing in the insurance plan.  You can purchase travel insurance that gives you coverage in case your trip is canceled for most reasons, including illness, emergencies, weather emergencies, flight cancellations, terrorist attacks, and more. You can purchase additional medical and/or dental insurance that covers you if you are traveling outside the US. Most people do not realize that their regular health insurance policy limits coverage overseas. Or if you do receive medical care in a foreign country, you may have to pay for this out of pocket and your health insurance policy will reimburse you upon your return to the US. Understanding all of this ahead of time can allow you to prepare for travel emergencies, including medical and dental problems, by investing in additional insurance policies.
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What is travel insurance?