Travel Insurance Health Coverage: Why You Must Have One


They say that we should be traveling more in 2020. That is if you can afford it. And if you can finance it, make sure that you have a travel insurance health coverage. 

Indeed, you can fly for cheap now. Thanks to the many promos that you see online. However, accidents can happen at any time while you are in a foreign land. And this is where travel insurance becomes useful. 

Is Travel Insurance Health the Same as the Coverage You Get from a Health Insurance? 

Travel insurance with health coverage is different from health insurance. However, the former has some benefits that are identical to the latter. 

Health insurance, per se, pays for your medical care, medicine, and emergency medical treatment, among others. Each plan is different. The coverage is continuous as long as you pay for its premium every month. 

Travel insurance with medical coverage, on the other hand, will only pay for a few medical-related expenses. It can handle your medical expenses if you get injured or sick when you travel abroad. You may not use it domestically. 

Depending on the plan, you can get emergency medical coverage. The plan will reimburse you for the entire cost related to your medical treatment during your trip. It can cover ambulance services, hospital charges, and other expenses. 

Apart from that, you can get the insurance that also includes ambulance transfer to the nearest hospital. It can also pay for the expenses related to the transportation cost in bringing you home. 

Does a Travel Insurance Health Cover Travel Delay? 

It still depends on the plan. Some travel insurance options can cover you for cancellations. It can assist you in getting a ticket if your flight is delayed or you miss your connecting flight. 

You may obtain a travel delay coverage on top fo the health coverage. It is beneficial if your flight is delayed for some reason. Keep in mind that there is no way for you to control your flights. 

Flight delay can be caused by a lot of reasons. It could be that there is inclement weather or that the plane encounters a mechanical issue. With travel insurance, your plan will refund your hotel accommodations or meals during the delay. 

On the other hand, if you missed flight connection, a missed connection coverage will cover the costs related to missed departure because of severe weather, an accident while you are going to the airport, etc. 

Delayed Luggage or Lost Luggage
Another thing about travel insurance is that you can have a plan with health and delayed luggage coverage. This is vital in case you have lost or delayed luggage during your trip. 

Your plan will refund you up to the plan’s benefit limit. 

Your policy may also pay you for other essentials. However, it does not cover the cost of the actual items in the delayed luggage. Then again, if the luggage is lost or damaged, your plan will reimburse you and replace all lost items. 

If you have health insurance coverage, you may add a travel medical plan to it. It includes coverage for any cost related to your emergency medical treatment while you are traveling. You may even find a plan that covers you for routine health care and medicines while you travel. 

There are travel plans for multi-trip plans and long-term travel. Having this type of plan is ideal if you frequently travel. It is also ideal if you live abroad to study or work. 

If you are working abroad, you should consider getting a long-term travel medical insurance. This coverage will include protection for your health and medical emergencies. 

You can find a plan that will cover your dependents. There are also travel insurance with health benefits that cover vaccinations and routine health checkups. 

However, before you purchase one, make sure that you have read the plan’s terms. Keep in mind that some plans will require that you obtain coverage for one year before you can get the long-term benefits. In that case, there is a waiting period here before you can access the coverage. 

If you are thinking of purchasing a travel insurance health plan, you may wonder when is the best time to purchase it. Is it the day before leaving or you can have it a few months earlier? 

You can purchase it earlier. You can also buy one even when you left home for the trip. If you have left home and decided to purchase travel insurance with health coverage, you may contact the provider. 

Any travel insurance will be effective the day following the purchase. In that case, if you are already traveling and you bought a policy today, your coverage would start tomorrow. Depending on the length of the term, you can find a policy that covers throughout your trip. 

Should You Buy Travel Insurance Early? 

Any type of insurance will cover you for unforeseen events. The main benefit of purchasing it early is the period that it covers. That is, from the purchase date and the day of your travel. 

In that case, when you buy a policy earlier, your coverage will start after the date of your purchase. For instance, if you travel a month from now but you bought a plan today, your coverage will start tomorrow. You will be covered for any unexpected events that might arise tomorrow until the last day of your trip. 

But if you purchased a plan during your trip, your plan will not cover costs related that incurred before the purchase date of the plan. It might be too late to purchase coverage as something has already affected your trip. 

It is also vital to remember that the coverage of travel insurance will depend on the terms. If you obtained a policy with trip coverage because of inclement weather, you will be covered if your trip was delayed because a storm develops. However, if the delay was a result of a mechanical issue, your plan may not cover it. 


Travel insurance health coverage is vital every time you travel abroad. As mentioned earlier, there are unexpected events that might affect your health while you travel. 

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