Travel Insurance

Travel insurance is a short-term policy that protects your trip, health, and belongings when plans go sideways. It typically combines coverage for trip cancellation or interruption, emergency medical care and evacuation, baggage loss or delay, travel delays, and 24/7 assistance. You choose limits and add-ons like cancelation for any reason, rental-car damage, or adventure sports based on destination and risk tolerance. It reimburses prepaid, nonrefundable costs and pays eligible medical bills abroad when your home plan falls short. Beyond money, it coordinates care, logistics, and translations during emergencies, turning chaos into manageable inconvenience and helping you travel with confidence anywhere, anytime, securely.

What types of health issues are really covered by travel insurance?

Travel insurance medical coverage is designed for sudden, unforeseen problems, not routine care. Commonly covered issues include acute illnesses (food poisoning, respiratory infections, COVID-19 if included), accidental injuries (fractures, lacerations, concussions), emergency room treatment, physician visits, diagnostic tests, hospital admission, surgery, and ambulance transport. Policies typically include emergency dental for pain/trauma, prescription replacement, medical evacuation to the nearest appropriate facility, and repatriation home when medically necessary. Many plans cover pregnancy complications and short-term mental health crisis stabilization. Pre-existing conditions may be covered only with a waiver and stability requirements. Exclusions usually include wellness visits, elective procedures, and risky sports without add-ons.

Does travel insurance help with becoming an Expat or living abroad part-time?

Standard travel insurance is built for short, temporary trips not full-time expat life. Most policies limit each trip’s length (often 30–180 days) and exclude coverage once you establish residency abroad. If you’re moving overseas or living part-time, consider international health insurance or a global major-medical plan instead. These policies cover ongoing care, preventive visits, chronic conditions, maternity, prescriptions, and have broader provider networks. Many include evacuation/repatriation and optional dental or vision. For frequent part-year stays, an annual multi-trip plan can work, but verify the maximum days per trip and pre-existing condition rules. Check visa or local insurance mandates, waiting periods, and whether coverage is primary or secondary. Match benefits to your risks, budget, destinations, and continuity of care, before you commit.