Trip Cancellation vs. Travel Medical Insurance

There can be some confusion in deciding which insurance plan is right for you and your trip. To help you decide you’ll want to consider the benefits that each plan offers and what would be most important to you.

Trip cancellation policies cover the actual trip itself and typically provide coverage for personal effect. They also provide you with insurance coverage in case the unexpected happens and you need to cancel your trip. Trip cancellation plans typically provide limited benefits for medical services in case of emergency. One plan that works well for people located inside the US (including non-US citizens) and traveling elsewhere is the RoundTrip International Health Insurance plan. These types of plans usually work well for short-term trips, since you can only purchase up to 90 days of coverage.

Travel medical plans usually provide more enhanced benefits for medical services and they will not cover the actual cost of the trip itself. They do however; provide a limited benefit for “trip interruption”. The Atlas International plan provides coverage outside your home country for inpatient and outpatient services, prescription drugs, emergency medical evacuation, repatriation, doctor office visits, etc.. This plan allows you to choose your maximum coverage limit (from $50,000 to $1,000,000) and your deductible (from $0 to $2,500). You can purchase as little as 5 days or up to 12 months of coverage. This plan can also be renewed for up to 3 years.

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