Single trip travel medical plans
Several insurance companies such as Seven Corners, HTH Worldwide, FrontierMEDEX and others provide single trip travel medical plans.
What is Single trip travel medical plan?
Single trip travel medical plans are travel health insurance for medical emergencies and evacuations. This is especially useful for those who are traveling outside their home country. Travelers headed outside their health insurance network and short-term visitors to the U.S. are covered under this. Optional coverage and upgrades are available for travelers such as business travelers.
Single trip travel medical plans provide coverage for:
- Emergency medical expenses, doctor’s fees and hospital stays
- Prescription medications
- Emergency dental
- Emergency medical evacuations and repatriation
- Return of minor children and emergency reunions
- Accidental death and dismemberment (AD&D)
Optional riders are available as well. These can be availed by adding a top-up for a small fee. They go a long away in protecting from eventualities. Some of these riders include:
- Pre-existing condition exclusion waivers
- Athletic and sports coverage for participation in team/contact sports
- Hazardous activity coverage for skiing, scuba diving, mountain climbing, sky diving, etc.
In addition, some single trip travel medical plans offer additional protection such as:
- Baggage coverage
- Trip interruption coverage
- Trip cancellation coverage
- Term life coverage
Factors that affect the pricing include:
- Policy maximum choice
- Traveler’s age
- Deductible choice
- Optional riders
Multi-trip travel medical plans
Several insurance companies such as Seven Corners, HTH Worldwide, FrontierMEDEX, Allianz, Global Uderwriters, AIG Travel Guard, Travel Insured and others provide multi-trip travel medical plans.
Multi-trip travel medical plans include international travel health insurance for medical emergencies and evacuations covering multiple trips in a single year. This is best for categories of students, business travelers, seniors, retirees, and missionaries who may travel multiple times during a year. Several annual travel health insurance plans also provide optional riders for additional protection.
Multi-trip (or annual) travel medical plans provide insurance coverage for such common medical concerns that can strike anytime:
- Emergency medical and dental treatment
- Evacuation and repatriation
- Accidental death and dismemberment (AD&D)
- Flight accidents
Multi-trip (or annual) travel medical plans also include:
- Trip cancellation
- Trip interruption
- Baggage
- Travel delay
- Rental car collision
Additionally, some plans offer special coverage for specific traveler types, like business travelers. These include:
- Business equipment loss and equipment rental fees
- Airline change fees
- Pre-existing medical conditions (with purchase of an exclusion waiver)
Price is a function of certain factors such as:
- Traveler’s age
- Deductible choice
- Optional riders
Long-term major medical plans
Long-term major medical plans, also refered to as Long-term care (LTC) insurance is an insurance coverage that provides nursing-home care, adult day care, home-health care for those individuals age 65 or older. These especially are those individuals who have a chronic or disabling condition that requires constant supervision. LTC insurance offers greater flexibility and options than several public assistance programs.
It is prudent to take the travel protection program from LatinOFare that covers several advantages such as trip cancellation, trip delays, trip interruption, baggage delays, emergency medical expenses, and more. You should also invest in travel assistance services from LatinOFare which include a host of post-ticketing benefits. Choose the options while booking your ticket online at Latinofare.
