Travel Insurance

No one wants to get sick while on vacation, and an illness or injury can be one of the most devastating events that can happen during a trip. Travel medical insurance is designed to help in these cases. It’s especially important if you’re traveling outside the country, where your U.S. health plan might have only limited or no coverage.

What is Travel Insurance?

Travel medical insurance pays for emergency medical expenses during a trip. If you are traveling and have an unexpected illness, injury or medical condition that’s covered by your travel medical insurance, the plan will reimburse you up to the plan limits.

Travel medical insurance will pay “reasonable and customary” charges for bills such as:
  • Ambulance service
  • Doctor bills
  • Hospital and operating room charges
  • X-rays, examinations, treatments, lab tests and anesthetics
  • Drugs and medicines
  • Dental care

The Benefits of Travel Insurance

  • It protects you against losses during travel: Some of the losses that Travel Insurance covers include loss of checked-in baggage, loss of passport, etc. By providing coverage against these losses, it compensates the traveller for additional expenses that may occur due to these losses.
  • It compensates medical expenses: One of the main reasons of opting for Travel Insurance is to compensate against accident or medical treatment costs that may incur during travel. In case of any accident, dental treatment or medical treatment, expenses up to the limit specified in the insurance policy are reimbursed by the insurance company. Some insurance companies have a network of hospitals in different countries through which cashless treatment can be done. The Travel Insurance company also provides help to ensure the insured person doesn’t have any problems. This is one of the biggest Travel Insurance benefits.
  • It covers against changes to the trip itinerary: At any point of time, there may be changes to the trip itinerary. It could be because of unforeseen circumstances, health problems, cancellation by the seller of the hotel or airline booking, or the financial bankruptcy of the travel company or cruise company offering the trip. A Travel Insurance policy compensates against these losses that may occur before a trip commences. Travel Insurance also covers against trip curtailment due to any reason. This coverage might differ from product to product.
  • It covers personal liability: Personal liability is coverage against damage caused by the insured to a third person. During travel, especially international travel, if by any chance you cause any damage to a third person who has to be compensated, this part of Travel Insurance will provide compensation. Third party liability can be for damage to property or to a person. This personal liability coverage might differ from product to product.

Contact us to learn more about the right travel insurance for you.
(714) 289-1099
1451 Quail Street, Suite 109
Newport Beach, CA 92660​​
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