Travel Medical Insurance Guide

What is travel medical insurance?

Is travel medical insurance necessary?

How is travel medical insurance different from other types of insurance?

Trip insurance benefits in some plans

What does travel insurance cover?

What is travel medical insurance?

Travel medical insurance is a type of international insurance for travelers leaving their home country to visit, or in the case of OCC, undergo weight loss surgery. It is designed to cover emergency health care costs and evacuations incurred while traveling or vacationing abroad.

Depending on the company, this insurance may be called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.

Is travel medical insurance necessary?

It is worth getting because travel medical insurance is what will provide you with medical coverage when you get sick or injured, reimburse you when your camera breaks, your flight is canceled, if you lose a bag, or if something is stolen.

How is travel medical insurance different from other types of insurance?

These plans are for travelers leaving their home country that need to ensure they have coverage abroad. Many insurance plans don’t cover you once you leave the U.S., and an accident or illness abroad would not be covered.

Trip insurance benefits in some plans

Some medical plans offer a few trip insurance benefits, such as minimal trip interruption coverage, coverage for lost or delayed baggage or trip delays. This is a nice additional benefit, but if you are looking for the best trip insurance benefits, review the details of the various plans and choose the one that suits your needs.

What does travel insurance cover?

The following coverage is typically found in a travel medical insurance plan.

  • Reimbursement for unexpected medical and dental costs due to emergency medical care due to an accident.
  • Coordination of and payment for emergency medical evacuation services, including medical care providers to care for you until you reach an appropriate medical care facility.
  • Reimbursement for Baggage Loss/Delay if your luggage is lost, delayed, or stolen.
  • Flight Delay/Cancellation pays for accommodations, meals, and new travel arrangements once you’ve been delayed a certain amount of time
  • Travel Document Protection helps you replace a passport or other travel documents when they’re lost or stolen.
  • Travel Cancelation/ Interruption coverage in case you need to change your travel arrangements.

How much does travel medical insurance cost?

A typical single trip travel medical plan can range from $100 to $200 for a relatively short trip. In general, the premium amount for a travel medical plan is based on:

  • The length of the trip
  • The age of the traveler
  • The medical and evacuation coverage limits

What are the types of travel medical insurance plans?

Travel medical plans come in three types:

  • Single trip travel medical (the most purchased) – this is coverage for a single trip up to six months. It covers the length of the vacation and is paid for up front.
  • Multi-trip travel medical – this coverage is for multiple trips and often purchased in 3, 6, and 12-month segments.
  • Long-term major medical – this is continuous medical coverage for the long term traveler and typically paid monthly. These plans can often be renewed.

While some travel medical plans will cover a few added benefits, the typical travel medical plan does not cover trip cancellations, trip interruption, baggage loss, travel delays and other benefits typically associated with package plans. Travel medical plans are meant for the overseas traveler seeking medical insurance protection outside their home coverage network.

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How to buy travel medical insurance?

You have two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance plan:

Compare plans from all companies: Compare travel insurance plans from all companies, get quotes, and buy online. You can also work with your local agent.
Quote and buy direct: Review the travel insurance companies and plans and purchase directly from the company.

    Travel insurance companies and comparison sites

    There are several companies that may provide travel insurance, please do your research when choosing a company, OCC does not make recommendations for any specific insurance companies.

    Be sure to read all terms and conditions carefully to be sure the policy provides the types of coverage you want, and that it is valid in Mexico. And don’t be afraid to ask an expert to help you choose a policy.

    OCC’s epidemiologist is closely monitoring the COVID-19 status and is actively issuing updates as they are available. The Centers for Disease Control and the World Health Organization are the most trusted sources online.  While the CDC has announced new mask protocols for vaccinated individuals, there will be no changes for our office protocols for patients, guests, and staff members as the announcement does not apply to hospitals or medical facilities. Masks are still a requirement for all patients, guests and staff at our facility.

    As we reinitiate weight loss surgery, we are constantly adapting and installing new and updated safety measures.

    Weight loss surgery is medically necessary.

    Bariatric Surgery and the clash of two pandemics.   

    Major metabolic and bariatric surgery Societies and colleges globally are now calling for the safe resumption of bariatric and metabolic surgery before the COVID-19 pandemic is declared over. 

    The sooner bariatric surgery can be safely performed, the quicker obesity, type 2 diabetes, and other diseases can be reduced or resolved as they are not only chronic they are also progressive.  Obesity is also linked to more than 40 diseases including type 2 diabetes, hypertension, heart disease, stroke, sleep apnea, osteoarthritis, and at least 13 different types of cancer.

    A recent statement from the ASMBS says “Before COVID-19 began, it was clear that patients with obesity were ‘safer through surgery.’ In the era of COVID-19, ‘safer through surgery’ for patients with obesity may prove to be even more important than before.” Obesity and Metabolic syndrome have been identified as an independent risk factor for adverse outcomes including death among COVID-19 patients.

    See here for full COVID-19 update. 

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