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Travel Medical Insurance Agency in NYC

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Margolis & Associates Services - Travel Medical Insurance

How Travel Medical Insurance Works

Travelling abroad can be an exciting experience. But what would happen if you or one of your family members became ill or injured while away from home? Most travelers assume they will be covered by their standard medical plan. The truth is, many traditional plans are not designed for international travel. If you experience illness or injury while traveling, it is unlikely you will be able to find an in-network medical facility, which could mean an expensive doctor’s visit for you. Your vacation can quickly turn into a costly fiasco if you’re not prepared for a medical emergency.

Or what if you get into an accident with your rental car in another country? Chances are your standard auto insurance coverage won’t be of much help. If you want to be taken care of in these situations, you need travel health insurance and other types of coverage designed for jet setters just like you.

Margolis & Associates Insurance Agency in NYC offers several travel medical insurance plans that provide key medical benefits for international visitors, vacationers and travelers such as:

No matter what activities you have planned while abroad, travel health insurance and other additional coverage can ensure an unexpected issue doesn’t turn the vacation of your dreams into a nightmare.

  • Hospitalization
  • Emergency Evacuation
  • Trip Interruption
  • Trip Cancellation
  • Adjustable Timelines
  • Baggage Loss and more!

Are you prepared for any unexpected issues that may come up?

There are many situations that your regular insurance may not cover such as pre-existing conditions. A pre-existing condition is any injury, illness, disease or other medical condition that occurs prior to the travel plan’s effective date and for which you had symptoms and sought diagnosis, medical treatment, and/or new prescription medications or a change in your current prescription.

While many travel medical insurance plans do offer coverage for an acute onset of a pre-existing condition, the conditions that are actually covered under this benefit can often be very confusing to many travelers.

With specialized travel insurance you can be covered for situations like these, and more.

  • Car Rental Collision Insurance
  • Dental Emergency Coverage
  • Medical Evacuation
  • High Risk Adventure Sports Coverage
  • Pre-Existing Conditions

What if you suffer a heart attack abroad, an evacuation is issued for political reasons, or you are injured in sports activities or an act of terrorism?

We are the travel insurance broker trusted by NYC residents, and if you travel regularly, you can always count on us to provide the coverage you need. Don’t take a chance; get a travel policy before your next trip to another country. The right Travel Medical Insurance Plan can prevent you from getting stuck with a whopping bill if you need to be transported home, to another hospital or to the nearest place of safety.

Travel medical plans also often include:

  • Doctor or hospital recommendations
  • Translation services
  • Emergency Medical Evacuations
  • Repatriation Coverage if you are killed or die on your trip your body is properly transported home or to a funeral home nearby.  
  • Some Accidental Death and Dismemberment (AD&D) and/or Term Life benefits which are paid regardless of any coverage you may have back home for a covered injury.

Why It’s Important to Have Travel Medical Insurance in NYC

We know that the reasons to travel abroad are many and varied – that’s why our services are designed to provide you with the assistance you need no matter where you are. 

Have you ever thought about what you would do if you become injured or ill while traveling in a foreign country? What if you lose your bags? What if you have to cut your trip short or cancel it entirely? Anything can happen while you are traveling, but with travel medical insurance and other coverage from Margolis & Associates in NYC, you can have peace of mind when you travel, whether it is for business or pleasure.

One of the questions we are frequently asked is: “What is the difference between trip interruption, travel delay coverage, and trip cancellation?”

Nearly all the same reasons you would cancel your trip are covered as a trip interruption. This benefit often offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut their travels short.

We are the travel insurance broker trusted by NYC residents, and if you travel regularly, you can always count on us to provide the coverage you need.

  • Unexpected or accidental death of an immediate family member (spouse, child, parent or sibling).
  • A break-in at the insured’s principle place of residence, or the substantial destruction of the principle’s residence due to a fire or natural disaster?

If you’re a victim of identity theft, you could face health and financial risks.

When a thief uses your name or personal information to obtain medical care, the thief’s health information can become mixed with yours.

  • That could affect not only your future medical treatment, but also your insurance and payment records, and even your credit report.
  • Identity theft insurance may cover expenses such as long distance phone bills, notary and certified mailing costs, credit reports, stop payment orders and even attorney fees.

Isn’t it great to know that travel insurance for luggage can come to the rescue for you? However, it’s not entirely that simple.

Lost or delayed luggage can be a source of tremendous angst because you’re in an unfamiliar place, don’t know your way around, may not speak the local language and you’ve travelled a long way and are tired. Remember, your bag could be stolen or destroyed on the return flight as well. If you were travelling with medication, some items may be very costly to replace.

The airlines have strong limits on what they will pay for lost or damaged luggage, but travel insurance coverage for lost luggage can make the difference.

  • With a package plan, even the items you bought while on your trip are protected up to the limits of the policy.
  • Some policies will also provide cover for theft of cash, and for the cost of replacing travel documents such as your passport or credit cards that are stolen or lost.

Our travel medical insurance and travel insurance plans give you plenty of coverage options for anything that may come up while you are traveling. In addition to being a trusted broker of travel health insurance, we can also assist you in finding Medical Insurance in NYC, so get in touch with us for all your insurance needs.

Whether you are vacationing, living or working abroad for short or extended periods, frequent travelers between countries or maintain multiple countries of residences, isn’t it reassuring to know…

Margolis & Associates is there with you wherever you go?

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