Travel Insurance Plans
What is covered?
Travel insurance is designed to insure you against many travel related losses, such as:
- Trip Cancellation/Interruption
- Travel Delay
- Emergency Medical & Dental Expense
- Emergency Evacuation & Repatriation
- Lost Baggage & Baggage Delay
- Accidental Death and Dismemberment
- 24 hour emergency travel assistance
- Medical Evacuation
Depending on the type of policy some benefits may not be included. So please be aware of all the different plans companies may offer in order to choose the best coverage available.
Comprehensive Packaged Plans
Mostly all the top travel insurance providers offer packaged plans designed to provide the most complete travel protection on a per trip basis. These plans cover any type of trip and offer the highest levels of medical coverage and widest range of benefits. Comprehensive packaged plans are the most inclusive policies available as well as the most expensive.
Travel Medical Plans
Travel Medical Plans provide international medical coverage while traveling up to one year on a per trip basis. Even if you have comprehensive medical insurance, it may not cover you while traveling outside your home country. A Travel Medical plan can guard against an unexpected illness, injury, or accident while traveling abroad and help cover those out of pocket expenses.
Emergency Medical Evacuation Plan
Companies also offer medical evacuation plans that just cover you in the event that you become seriously ill or injured while traveling and need to be medically transported to the nearest medical care facility or hospital or choice. These plans can be purchased for single or annual multi-trip coverage.
Annual Multi-Trip Plans
These travel medial plans as mentioned above are ideal for the frequent or business traveler looking for basic annual travel medical coverage while minimizing the annual cost of insurance. Coverage is good for every trip taken throughout one year. There is trip length restrictions associated with these plans.
Student Travel Insurance
Specifically tailored to meet the travel needs of the international student, these plans provide coverage for medical expenses, travel delay, missed connections, AD&D as well as 24 hour assistance services and other unique services. Whether a US citizen studying abroad or an international student studying in the United States, student travel plans will safeguard your next class trip, study abroad program, or spring break vacation.
Travel insurance and the Schengen Visa
Traveling in Europe has been simplified with the introduction of the Schengen visa. As a visitor to the Schengen area, you will enjoy the many advantages of this unified visa system. With a Schengen visa, you may enter one country and travel freely throughout the Schengen zone. Internal border controls have disappeared; there are no or few stops and checks. This means that internal air, road and train travel are handled as domestic trips, similar to travel from one US state to another.
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