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Purchasing travel medical insurance

There is lots of excitement involved in planning a vacation. Your mind is consumed with imagining all that you might see and do. Even the more mundane aspects of trip planning are probably at the forefront of your thoughts. What airline will I fly with? How long will I be out of town? Who will water the plants and watch the dog? All of these questions are important, but there is one you should consider that often goes unasked: What will I do if I am injured or become ill during my vacation? No one likes to imagine the possibility of getting hurt on a trip, but it is important to be prepared and protected. Purchasing travel medical insurance is a necessity if you want to have a worry-free trip. The following dos and don’ts for purchasing travel medical insurance will help put your mind at ease, and ensure that you are completely ready to take your next trip.


Do shop around for the best price

Making a rushed decision about purchasing medical travel insurance can add more stress than if you take the time to find the best deal for you and your travel needs. Some insurance companies sell travel insurance for as little as $1 per day. Take your time and look for the best deal.

Do consider a discount group plan

If you’re purchasing for a group of at least 4-5 people, some travel medical insurance companies are willing to offer coverage at a discounted rate. This is a great way to save money and ensure that all of your loved ones are covered in the event of an emergency.

Do make sure you are covered for adventure trips

Are you into extreme sports like heli-skiing or hang gliding? Before you embark on your next wild adventure, make sure your medical insurance plan will cover you if you get hurt. Some plans have supplemental riders or clauses built into their coverage to protect you during your most extreme escapades.

Do search for business travel plans

If you travel often for business, look for an insurance company that has plans for frequent fliers and international travelers. You can save money if you find a plan that is tailored to your business traveling needs.

Do look for deals if you are studying abroad

Studying abroad presents lots of challenges and adventures and it’s important that you are covered through them all. Most study abroad programs require that students have travel medical insurance before they are issued a visa. Many insurance companies offer plans that will cover students at an affordable rate.


Do not assume you’re covered by your regular health insurance

The insurance plan that is provided by your employer or that you are funding independently may not include coverage outside of your home country. Don’t assume that you are covered only to find out during a trip that you are wrong. Do your research and be certain you’re covered before you embark on your trip.

Do not believe you’re invincible and travel without insurance

Many people operate under the assumption that they will not be in harm’s way, but you are not always in control of the circumstances that can affect you. It’s better to have travel medical insurance and not use it, than it is to not be prepared and find yourself in an unexpected situation where you need it.

Do not forget to read all the fine print

Every plan will come with clauses and fine print that require careful review and examination. Read your contract carefully, and make sure you have a complete understanding of the exact terms of your plan in order to avoid unexpected surcharges in the future.

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Travel medical insurance is an integral part of your next international vacation. Make sure you go over plans carefully and ensure that you are getting the best deal and coverage for your specific travel needs.

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Photo Credits: P1010147 by Flickr: lindyi; Check Man, Cross Man and Jump Man © ioannis kounadeas -

Shelby WaltonHCC Medical Insurance Services Employee

Shelby Walton is an employee of HCC Medical Insurance Service, a provider of international travel medical insurance. In her role, she is responsible for creating content for a community of over 40,000 travelers on Facebook....

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