International Travel Insurance
Whether you are on a safari in Africa, trekking the ruins of the Incas, or sipping coffee at a cafe in Rome, you know that traveling can be adventurous and risky. You never know when you will be stung by a jellyfish, trip over a curb or have another unforeseen accident while traveling.
International Travel Insurance coverage will give you peace of mind for a small accident or if something more major happens. Travel insurance will allow you to enjoy your trip with the assurance that you are covered.
When you leave the United States for vacation, business or missionary work, your health insurance or Medicare will provide little or no coverage for emergency care. If you have a Medicare Supplement, most will have some foreign travel coverage included. They will only pay up to a maximum of $50,000 in your lifetime. One major incident abroad with a stay in the hospital can exhaust those benefits.
Special International Travel policies can include coverage for medical expenses, trip cancellation or interruption, emergency evacuation and repatriation benefits. You select the deductible and amount of coverage you want.
At Imagine Insurance Advisors, we strongly recommend getting a foreign travel policy to cover your international visits. Premiums are based on age, sex, location of and duration of the vacation. We find these types of policies to be very affordable and they can provide additional protection up to one million dollars.
An International Travel Insurance policy works on a reimbursement basis. You pay the bill and bring back a receipt for payment by the policy. Ensure you get a detailed itemization of everything performed as it may be difficult getting more detailed information once you get home since you may not speak the language.
If you have relatives traveling to the United States, we can cover them with the International Travel Insurance while they are here visiting the U.S. We can help you find the right coverage for your trip. Just give us a call and let us know when and where you are going. Imagine having peace of mind as you are enjoying the wonders of the world. By the way, make sure you send us a postcard so we can enjoy your vacation with you.