If you already have healthcare insurance, why would you need travel medical insurance, too? It’s simple! If you review your current health insurance policy, you may find that you aren't covered for medical expenses incurred from providers outside of your insurance network. In other words, if you incur medical bills while you are traveling, you could be responsible for 100% of the cost.
Reduced coverage while traveling abroad is common among standard health insurance plans. Luckily, travel medical insurance can protect you while you travel. Essentially, travel medical insurance provides short-term healthcare coverage that can reimburse you for certain medical costs while you travel.
While there are some healthcare insurance policies that may cover you while you travel, Medicaid and Medicare do not cover costs incurred outside the United States. For travelers that use either of those plans, travel medical insurance is an important consideration.
Remember, accidents and illness can happen anywhere and anytime, so travel medical insurance is important whether you’re traveling 50 miles away from home or outside of the United States. Luckily, RoamRight offers several different travel medical insurance plans to meet your travel needs:
- (Outside US) Medical – this travel medical insurance provides medical and emergency medical evacuation coverage while you travel outside the United States. It can cover trips up to 360 days in length.
- Multi-Trip Annual Medical – If you plan to take multiple trips throughout the year, this annual travel medical insurance plan is an excellent option.
- Multi-Trip Annual Evacuation – This plan offers emergency medical evacuation benefits for frequent travelers who don't need travel medical insurance.
RoamRight’s travel medical insurance plans are built to accommodate your needs and provide a range of benefits such as medical coverage for pre-existing conditions, multi-trip and annual protection, emergency medical evacuation, and coverage for long-term travel. As with all RoamRight products, when you purchase, you'll have a 14-day "free look" period to evaluate your coverage. Click on the links above to learn more about the types of plans, or chat online with a RoamRight representative who can answer any questions you may have about travel medical insurance.