June 1, 2020
Due to travel restrictions, plans are only available with travel dates on or after
Due to travel restrictions, plans are only available with effective start dates on or after
Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep; Russian Federation; Israel
When you buy emergency medical travel insurance, what’s covered? What’s not? And how does it help you?
Here’s everything you need to know about travel insurance with emergency medical benefits.
When you get seriously sick or hurt during your trip, you need help. Emergency medical benefits are the part of your travel insurance that covers the cost of medical evacuation and/or medical care in an emergency.
To get a little more detailed:
True to its name, it covers medical emergencies that occur while you’re traveling. We define a medical emergency as a sudden, unexpected illness, injury, or medical condition that occurs while you’re on your trip and could cause serious harm if it is not treated.
There are a few key words in this definition:
Dental injuries or infections, lost fillings, and broken teeth that require treatment can be covered by emergency dental benefits.
Each plan has a maximum dollar limit for emergency medical and emergency transportation benefits. Please read your plan documents for specific details and exclusions associated with your plan.
Read more: Travel Emergency Medical Insurance Explained
Yes. If your plan includes emergency medical benefits and the Epidemic Coverage Endorsement, then you can be reimbursed for costs for emergency medical care for COVID-19.
It includes some extra benefits that can be really helpful! These include:
Yes! Did you know that in most other countries, medical providers do not accept American health insurance plans? Medicare doesn’t provide coverage outside of the United States, either. Instead, the hospital or doctor’s office will ask you to pay with a credit card or cash. If you can’t pay, you may be refused treatment.
No one wants to pay thousands of dollars for emergency treatment (or even hundreds of thousands, for some medical evacuations). With emergency medical travel insurance, you don’t have to worry.
That depends. If you have a good health insurance plan, you may not need emergency medical insurance while traveling within the U.S.
However, it’s still a good idea! Allianz Travel Insurance’s emergency medical benefits have a few advantages your regular health insurance may not provide:
Yes! We get more than 4,000 calls each year from travelers who need help with a medical emergency. The most common emergencies we see are things that can happen to anyone, even people who are generally healthy and fit: fractures from falls; trauma (often from motor vehicle accidents); cardiovascular problems, such as a heart attack or stroke; and pulmonary/respiratory problems, such as a collapsed lung.
Active travelers especially need travel medical insurance, if you plan to participate in activities such as hiking, cycling, skiing, horseback riding, etc. on your trip. Just make sure you read the exclusions in your plan. Certain high-risk activities are excluded from coverage.
Yes! Children aren’t immune from medical emergencies while traveling, whether a tummy bug or a fractured wrist. Luckily, two of our plans offer free coverage* for children 17 and under when traveling with a parent or grandparent: OneTrip Prime and OneTrip Premier, which doubles most OneTrip Prime post-departure benefit limits (*not available on policies issued to Pennsylvania residents).
Yes, but you have to make sure your plan includes the existing medical condition waiver and meets all the requirements. If you insure your full nonrefundable trip costs within 14 days of paying your first trip deposit, and you’re medically able to travel when you do so, you can be covered for most existing medical conditions.
An existing medical condition is defined as an injury, illness, or medical condition that, within the 120 days prior to and including the policy purchase date:
The illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.
In situations like these, your emergency transportation benefits can be life-saving. If you suffer a serious illness or injury on your trip and the local medical facilities can’t provide the medical treatment you need, our medical team will arrange and pay to transport you to the closest appropriate facility. Please note, however, that we must make the medical evacuation arrangements — if you do it yourself, your insurance may not pay for it.
If you need help urgently, call your destination’s equivalent of 911. The free Allianz TravelSmartTM app makes it easy to reach local emergency services with a single tap, wherever you are.
Then, contact 24-hour assistance. Our team of experts can arrange emergency medical transportation, if needed; refer you to pre-screened local medical providers, provide an interpreter, guarantee advance payment for medical care (where accepted), monitor your condition, update relatives back home, and arrange your transportation home. In short, we’ll do everything we can to make sure you’re getting the care you need.
Read more: What To Do In A Medical Emergency
Yes! Allianz Travel Insurance offers plans for every budget. Low-cost emergency medical travel insurance plans include:
If you’re planning more than two trips in the next 365 days, you can save money with an annual travel insurance plan:
Wondering which plan is right for you? Get a quote for your next trip.