Trip Insurance vs Travel Medical Insurance

Trip Insurance vs Travel Medical Insurance

Travel insurance is a broad term used for insurance that provides travel coverage. Typically travel insurance can be broadly categorized into two categories:

Trip Insurance: protection for financial losses due to Unexpected Trip related issues.

Travel Medical Insurance: protection for health-related issues.

Now let’s understand the difference between trip insurance and travel medical insurance.

Trip Insurance

Trip insurance usually refers to trip cancellation insurance coverage. Trip insurance protects you against financial losses suffered due to unexpected trip related situations like trip cancellation, trip interruption, trip delay, missed flight connection, baggage loss, rental car coverage, etc.

Specific features and benefits may vary from plan to plan. Some plans might only offer trip cancellation, and not trip delay or interruption. Some other plans have similar coverage but not all of the features. These are usually for a short duration of a trip for up to 30 days.

Trip insurance is recommended and useful if there is any potential risk involved that may cause a change in your travel plans, such as traveling with kids or seniors, or traveling in unpredictable natural disaster areas or war zones.

Learn more about Travel Trip Insurance coverage.

Travel Medical Insurance

Travel Medical Insurance plans are protection for unforeseen health issues met while you are traveling, including sickness, injuries, and accidents. These plans generally cover expenses for medical treatment, medical evacuation, accidental death repatriation, and more. This is also referred to as visitor insurance, visitor medical insurance, travel health insurance or international travel insurance.

Recommended for traveling abroad or to unknown foreign places where risk to exposed health issues are higher. Travelers visiting Africa for a Safari trip or foreigners visiting the US, where cost for medical care is expensive, would be good candidates for travel medical insurance.

Learn more about various Travel Health Insurance Plans from the best insurance companies. Feel free to send us your travel insurance questions at support@visitorscoverage.com.



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