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Travelers Medical Insurance

Medical emergencies can happen unexpectedly while traveling. Having the right coverage ensures access to care and financial protection.  Traveling without medical coverage is a gamble best avoided. Insurance may not seem essential until the moment it becomes invaluable.                    

Why Travel Medical Insurance is Important

Key Considerations When Choosing a Policy

Key Considerations When Choosing a Policy

  •  Covers emergency medical treatment abroad. 
  • May include medical evacuation back to your home country. 
  • Provides 24/7 assistance hotlines for finding care overseas. 
  • Often includes coverage for trip interruption or cancellation due to medical emergencies. 

Key Considerations When Choosing a Policy

Key Considerations When Choosing a Policy

Key Considerations When Choosing a Policy

 

  • Coverage limits (especially for medical evacuation). 
  • Pre-existing condition clauses. 
  • Adventure or high-risk activity exclusions. 
  • Length of travel and number of countries covered. 
  • Whether coverage begins before departure or only once abroad. 

Check Your Domestic Health Insurance

Key Considerations When Choosing a Policy

Check Your Domestic Health Insurance

 

  • Many U.S. domestic policies do not cover international travel or may only provide limited emergency coverage. 
  • Medicare typically does not cover care outside the U.S. (with very few exceptions). 
  • Contact your health insurance provider before travel to understand: 
  •  What is covered abroad ?
  •  Is emergency evacuation included ? Is direct billing with hospitals possible. 

Disclaimer

 The information above is for general educational purposes only and does not constitute insurance or legal advice. Always read policy details carefully and consult with an insurance professional before purchasing coverage.  

Copyright © 2025, RJK Consultant. All Rights Reserved.

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