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Travel insurance provides coverage for emergency medical expenses incurred while traveling.
If you already have health insurance, why would you need travel medical insurance, too?
Because your insurance may not travel with you.
In general, many medical insurance plans do not cover care received outside the United States. This includes standard Medicare and Medicaid plans. Travelers on these plans may want to consider a travel insurance policy.
Additionally, many traditional health plans may not cover care received in other states. So even domestic travelers may need to consider purchasing a travel insurance policy.
If your health insurance doesn't provide coverage when traveling, if there is an emergency, you could end up paying expensive medical bills out of pocket. Medical emergencies are costly, and expenses can add up quickly.
How quickly? One man had a medical emergency in Europe and required an air ambulance flight back to the United States. His expenses included a hospital stay and an air ambulance flight home. The total bill was $117,000. Fortunately, he had a travel
insurance plan from Arch RoamRight. Read his story.
Travel medical insurance is designed to be a supplement for your everyday health insurance.
When traveling, travel insurance provides coverage for:
Travel insurance plans, like the ones offered by Arch RoamRight, are not designed to replace your everyday health insurance.
While travel insurance is designed to provide emergency medical coverage for short-term trips out of the country – such as a vacation – travel health insurance is a long-term alternative for those who plan to spend an extended period of time outside
of their home country.
Travel insurance plans, like those offered by Arch RoamRight, only cover trips up to a maximum of 180 days and can provide coverage for medical emergencies, such as broken bones or emergency surgeries.
Travel health insurance is for trips longer than 180 days and usually provides coverage for preventative care, doctor visits, and elective surgeries. Arch RoamRight does not offer travel health insurance.
Travel insurance is designed to cover emergency medical bills that arise when you’re far from home. Arch RoamRight offers several plans, depending on your travel insurance needs.
Several of Arch RoamRight’s plans offer travel medical insurance in addition to trip cancellation and other coverage.
Travel is unpredictable, and so is your health.
These scenarios and more are just some of the reasons why you should consider a travel medical insurance plan for your travels:
These incidents can happen to anyone, even a healthy, prepared traveler.
Some countries actually require visiting United States citizens to have a travel medical insurance plan before being allowed to enter:
Other countries may have other requirements for travel medical insurance based on your country of citizenship or length of stay. To stay up to date on this information, it is best to consult the State Department’s official website.
If you have a pre-existing condition, you may want to consider one of Arch RoamRight’s travel insurance plans. These plans can include a waiver of the pre-existing conditions exclusion
if the following conditions are met:
†For definitions, please refer to the policy.
All RoamRight plans come with a 14-day money-back guarantee, so you can feel confident with your purchase.
Start your quote for travel medical insurance, or call 1-800-699-3845 to speak with a representative.
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Why You Need Travel Insurance for Domestic Trips Read a story of how one of our employee’s parents neglected to purchase travel insurance prior to a cross country trip and ended up regretting it. Read More ->
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