International Health Insurance vs Travel Insurance | Allianz Care (2024)

FAQs

What is the difference between international health insurance and travel insurance? ›

International health insurance is designed to provide a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance provides cover for emergency treatment while you are in another country for a shorter space of time.

Travel medical insurance is different from your health insurance because travel medical insurance is a supplemental policy that helps protect you while you're traveling. It's only valid for the length of your trip and is meant to supplement your health insurance when you're out of network.

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.

International medical insurance plans cover your healthcare costs wherever you are. Coverage usually includes in-patient, out-patient, wellness, evacuation, dental, and vision treatment, along with premium other benefits.

Comprehensive travel insurance

The comprehensive policy usually covers delays, cancellation due to sickness or death, lost luggage and some emergency medical costs.

It can also be expensive, difficult to file claims, and not always cover the things you thought it would — or should.

Even if your health plan does cover you internationally, you may want to consider buying a special medical travel policy. Much of the additional coverage available is supplemental (or "secondary"), so it covers whatever expenses your health plan doesn't, such as deductibles.

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas. More information is also available on the CDC insurance page.

How much does international health insurance cost? ›

International health insurance can cost you anywhere from $200 to $900 per month— with an average of $500. However, your international health insurance can vary depending on the following factors: International or local.

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

If you read any of our other articles, you'll remember that we always offer a simple recommendation for Medical Insurance. Overseas travelers should have these minimum levels of protection: Medical Insurance Coverage - $100,000. Medical Evacuation Coverage - $250,000.

How much travel medical insurance do you need? Squaremouth, a travel insurance comparison site, recommends buying at least $50,000 in emergency medical coverage for international travel. For travelers going on a cruise or to a remote destination, the site recommends at least $100,000 in coverage.

Before you go, consider your insurance options in case you need care while traveling. Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding," the agency writes.

While some countries require travel insurance, you do not always need coverage abroad. Whether you're traveling to the Seychelles, Jordan, the United Arab Emirates or Argentina, determining if you need travel insurance should be at the top of your planning list.

What Does International Insurance Mean? International insurance provides coverage for people who are traveling internationally. It can be especially important for people who are traveling for a significant period of time.