Travel Health Insurance
Medical Coverage While Traveling
Travel health insurance can help protect you from unexpected medical expenses while traveling outside your regular health plan’s service area or outside the United States. Coverage may include emergency medical care, hospital services, prescriptions, and medical evacuation.
As an independent licensed health insurance agent, I can help you review available travel medical plans, compare coverage and costs, and select an option based on your destination, trip length, age, and healthcare needs.
✓ Compare available travel medical plans
✓ Review medical limits, deductibles, and exclusions
✓ Understand emergency evacuation coverage
✓ Receive personalized guidance at no additional cost
What Is Travel Health Insurance?
Travel health insurance provides temporary medical coverage while you are away from home. It can help cover eligible medical expenses that may not be fully covered by your regular health insurance or Medicare while traveling.
Travel medical plans may include:
• Emergency medical treatment
• Hospital and physician services
• Prescription medications
• Emergency medical evacuation
• Repatriation of remains
• Coverage for certain pre-existing conditions
• Assistance services while traveling
Understanding Travel Health Insurance Costs
Travel health insurance costs vary based on your age, destination, trip length, coverage amount, deductible, and the benefits included in the plan.
Premium
The amount you pay for the travel health insurance policy. Most plans require a one-time payment based on the length of your trip.
Deductible
The amount you may need to pay for eligible medical expenses before the insurance plan begins paying its share.
Coverage maximum
The maximum amount the plan may pay for eligible medical expenses during the coverage period.
Coinsurance
The percentage of eligible medical costs you may be responsible for after meeting the deductible.
When Should You Purchase Travel Health Insurance?
It is best to purchase travel health insurance before your trip begins. Coverage availability, effective dates, and eligibility rules vary by insurance company and plan.
You may be asked for information such as:
• Your travel dates
• Your destination
• Your age
• The number of travelers
• Your preferred deductible and coverage amount
• Whether you need coverage for pre-existing medical conditions
• Whether you need emergency medical evacuation coverage
Important: Travel health insurance generally does not cover medical expenses that occur before the policy’s effective date. Review the policy details carefully before purchasing.
How I Can Help You Choose a Travel Health Plan
Choosing travel health insurance involves more than comparing price. I can help you review:
✓ Medical coverage maximums
✓ Deductibles and coinsurance
✓ Emergency medical evacuation benefits
✓ Coverage for hospital and physician services
✓ Prescription medication coverage
✓ Pre-existing condition provisions
✓ Trip length and destination requirements
✓ Policy exclusions and limitations
My goal is to help you select travel medical coverage that fits your destination, trip length, healthcare needs, and budget.
Is Travel Health Insurance Right for You?
Travel health insurance may be appropriate if you:
✓ Are traveling outside the United States
✓ Have limited or no medical coverage at your destination
✓ Are enrolled in Medicare and traveling internationally
✓ Want protection from unexpected emergency medical expenses
✓ Need emergency medical evacuation coverage
✓ Are traveling for vacation, business, study, or an extended stay
✓ Want access to travel assistance services while away from home
Frequently Asked Questions
When should I purchase travel health insurance?
It is best to purchase coverage before your trip begins so the policy can take effect for your travel dates.
Does Medicare cover me outside the United States?
Medicare generally provides very limited coverage outside the United States, except in certain specific situations. Travel medical insurance may help cover eligible emergency medical expenses abroad.
Are prescription medications covered?
Some plans may cover eligible prescription medications related to a covered illness or injury. Coverage varies by policy.
Does travel health insurance cover pre-existing conditions?
Some plans may include limited coverage or a waiver for certain pre-existing conditions when eligibility requirements are met. Policy terms vary.
Does travel health insurance include emergency medical evacuation?
Many plans offer emergency medical evacuation benefits, but coverage limits and requirements differ by plan.
Meet Your Independent Travel Health Insurance Agent
Derene Derricotte
Choosing travel health insurance does not have to be confusing. I can help you compare available travel medical plans, review coverage limits, deductibles, emergency medical evacuation benefits, and policy exclusions. My goal is to provide clear, personalized guidance before you travel—without pressure.
Travel health insurance does not have to be confusing. I’m here to answer your questions, compare travel medical options, and help you choose coverage with confidence.
Why Choose Derene Derricotte?
✓ Independent licensed health insurance agent
✓ Compare available travel medical plans from insurance companies I represent
✓ Personalized one-on-one guidance
✓ Help reviewing coverage limits, deductibles, and exclusions
✓ Assistance understanding emergency medical evacuation benefits
✓ Support before your trip and while selecting coverage
✓ Personalized service for travelers in the states where I am licensed
Have questions about travel health insurance?
Schedule your complimentary travel health insurance consultation today.
Serving clients in
New Jersey, New York, Pennsylvania, Connecticut, Delaware, Florida, Georgia, Virginia, Ohio, and Texas.
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No Cost • No Obligation • Personalized Travel Health Guidance
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Travel Health Insurance Disclaimer
Travel health insurance coverage, benefits, exclusions, limitations, and eligibility requirements vary by insurance company and plan. Any information provided is limited to the insurance products and companies I am authorized to represent. Please review the policy documents carefully before purchasing coverage.