What is travel medical insurance?
Travel medical insurance covers emergency healthcare abroad. Medical expenses are often high when you're a foreigner and the right policy will help you cover the costs of everything from local ambulance fees, hospital rooms, and all other medical expenses.
Why do you need travel medical insurance?
No one expects the worst to happen, especially when you're on holiday, but bad food, infections, bugs, and accidents never take a vacation, and when you're relaxing you're not always as vigilant about what you eat, how it's cooked, what's just a bug bite etc. Sometimes not everything goes as planned. A medical emergency can strike at any time - and to everyone, so it's best to be covered.
Your basic medical insurance for travel might not help you when you're abroad. Check with your domestic plan before travelling so you're fully aware of what's covered before you leave home.
And don't get your travel health insurance and travel medical insurance mixed up. Travel health insurance is more useful for those who choose to live abroad and are seeking a domestic health insurance policy for common issues. In the case of medical emergencies on vacation, you will need travel medical insurance.
What are the guarantees medical travel insurance offers?
Travel medical insurance should include several benefits. The main one is medical evacuation coverage, which covers hospital transportation costs. For example, if you’re hiking in a remote part of another country and you fall or injure yourself, you will be taken to the closest hospital, which might not have all the medical specialists and equipment needed to treat you. All the transportation costs involved in getting you to a better hospital are covered by medical evacuation coverage.
Making sure you are covered in a fatality is something else to consider. The repatriation of a dead person's remains can be a huge cost that will add to the grief of the family. A good insurance policy will take care of those.
If you’re travelling alone and are hospitalised, international travel medical insurance will help cover the cost of a family member joining you for support and assurance.
You should also be advised that it's better to include travel assistance services in your medical insurance policy, so you have access to travel alerts and warnings, tracking for lost luggage and lost passports, and emergency cash transfers around the clock.
Why should you choose AXA travel medical insurance?
AXA travel medical insurance agents will make sure you have peace of mind when travelling abroad. One simple payment and the right coverage will make sure that an unexpected hospitalisation or even a tragedy do not become a big financial burden that could make a dream vacation a real nightmare. Policies are easy to understand and cover anything from the basics - the return of lost luggage or help if documents are stolen - to the inconceivable - repatriation in the case of a fatality or serious injury.
Disclaimer: This article provides a broad summary of benefits and is intended solely for informational purposes. To learn about the specific coverage, exclusions, and benefits included in your personal travel insurance policy, please refer to your individual certificate of insurance or local IPID document. If you have any questions or concerns, we recommend reaching out to one of our local travel insurance store for further assistance. Prices, cover types & guarantees at the moment of publication may vary depending on your country. Local Terms & Conditions apply. Please download T&Cs from your local store for more information.