Travel health coverage is also referred to as visitor health insurance. It is a type of insurance policy that is utilized during short-term travel. Having medical coverage when traveling is a good idea, in case you fall ill or become injured. When planning a trip, make it a point to find an insurance company that can provide you with travel medical insurance in NYC.
Is Travel Insurance the Same as Health Insurance?
Purchasing a policy of travel medical insurance is not the same as your regular health insurance. It is intended to cover any loss accrued while traveling (dental and health emergencies). Your travel insurance policy will not cover any routine, elective, or routine medical treatments.
Important distinctions between health and travel insurance
- Coverage purpose: Travel medical insurance is not intended for continuous medical care, but rather for emergencies that arise while you are away from home.
- Emergency protection: Provides coverage for pressing medical and dental issues while traveling.
- No routine care: Excludes elective surgeries, continuing therapies, and routine examinations.
- Short-term coverage: usually only lasts as long as you’re traveling.
- Not primary, but supplementary: functions in addition to, not in place of, your current health insurance.
- Travel peace of mind: Assists in lowering financial strain in the event of an unforeseen illness or accident overseas.
How a Policy of Travel Medical Insurance Operates
When you plan a trip overseas, you don’t plan to get sick or hurt. However, having that little bit of protection “just in case” is important. You may carry medical insurance at home; however, when traveling abroad, that coverage doesn’t follow you. A vacation of a lifetime can turn into a financial nightmare should you require medical care without insurance. For employers, offering group health insurance in NYC can offer the same essential protection, protecting their well-being and financial security at home and abroad.
The insurance professionals at Margolis & Associates can help save your vacation with one of their medical insurance policies. Some of the benefits our medical insurance policies offer include:
- Baggage loss
- Interruption in travel
- Hospitalization
- An emergency evacuation
- Trip timelines are unexpectedly adjusted
- Your trip gets canceled
Purchasing a travel insurance policy is similar to any other insurance plan. You buy coverage for the time period you need coverage for as protection against specific risks. If something happens, you call the insurance company and file a claim requesting reimbursement or payment for the monetary loss.
Contact Margolis & Associates for Travel Medical Insurance
As you are planning your next trip abroad, before you pack your bags and board the airplane, contact Margolis & Associates. After you purchase your tickets and plan the itinerary, call us for travel medical insurance.
You never know if something will happen to create an interruption or cancellation of your trip. Therefore, talk to your insurance agent about our traveler’s reimbursement package. It offers reimbursement of any non-refundable, prepaid expenses if your travel plans are cut short.
NYC residents trust Margolis & Associates for all their travel insurance needs. Why risk a financial loss that can be averted by getting a medical travel insurance policy? Contact us before tragedy strikes! Before buying airline tickets or booking a hotel, call Margolis & Associates to make sure that your next vacation is completely covered.
Visit our local office at 118 East 28th St., Suite 704, NYC. Or, call us at (212) 684-0711. You can also reach out to us by faxing an inquiry to 212-889-0965. We are open Monday through Friday from 9:00 am until 5:00 pm.
