International Travel Insurance
eInternationalTravelInsurance.com: Your Protection against losses from travel medical-care, flight delays, trip cancellation, lost baggage
International Travel Insurance: Medical, Trip Cancellation
International Travel Insurance plans provide coverage for overseas medical expenses, evacuation, and non refundable trip costs due to cancellation or trip interruption.
Medical expense coverage is often required because Medicare and most US health insurance (HMO, employee group, PPO) don’t offer coverage outside US borders. Evacuation coverage enables special medical transportation to closest adequate medical facility or back to home country if the insured is sick or injured during the trip.
Trip Cancellation coverage can reimburse for non-refundable trip costs (airline, hotel, cruise, resort bookings) if unforeseen weather conditions, terrorism activities, sickness/death of traveler (or traveling companion or family member) causes a delay or cancellation of the trip.
Trip Cancellation Insurance (trip cancel + medical)
Provides Coverage for medical expenses, trip cancellation & evacuation.
- Available only to US Residents
- Medical limit: $25,000 (medical upgrade to $50,000)
- Trip Cancellation: 100% of non refundable trip costs (due to - weather; terrorism, death or sickness of insured, of traveling companion or of a family member of the traveler or of a family member of traveling companion)
- Evacuation: to closest adequate medical facility with $500,000 limit (with medical upgrade – evacuation is permitted to your hospital of choice in USA & evacuation limit increased to $1 Million)
- Pre-Existing Condition Coverage: Can be covered if you buy this plan for the full non-refundable trip cost within 15 days of making your first trip payment or deposit
- Pre-Existing Condition Definition: medical condition (of insured, traveling companion or family member) that first manifested, worsened, showed symptoms, that was treated, or that required taking Rx drugs (exception granted if medical condition is controlled without change in Rx drugs) during 180 days prior to start of plan
Travel Health Insurance (medical only, no trip cancel)
Provides coverage for medical & evacuation; no trip cancellation.
- Available to both US & non-US residents
- Medical limit: $60,000; $125,000; $600,000; or $1,000,000
- Trip Cancellation: None
- Evacuation: to closest adequate medical facility with $300,000 limit (not to hospital of choice in USA or home country)
- Pre-Existing Condition Coverage for US Citizens: Covered up to plan maximum if insured has domestic US health insurance (Medicare, Individual or employee group plan); otherwise covered outside US & Canada up to $20,000 for under 65years & $2,500 for over 65years
- Pre-Existing Condition Coverage for Non-US Citizens: Covered up to $3,000 with a per night limit of $200 when hospitalized due to heart attack or stroke
- Pre-Existing Condition Definition: medical condition (of insured) that first manifested, worsened, showed symptoms, that was treated, or that required taking prescribed drugs during 36 months prior to start of plan
