The Difference Between Travel & International Travel Insurance

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Either you are planning to move to another continent or just want to go away for the weekend, you will need to make preparations in case of an unexpected event that requires medical attention. Before you decide to purchase a policy, you should be aware of the difference between travel and international travel insurance.

  • What is Travel Insurance?

Often travel insurance is confused with international travel insurance. While international health insurance is designed to cover treatment of chronic conditions, treatment check-ups and continuing treatment abroad, travel insurance is tailored to cover personal belongings, emergency medical treatment and cancellations. Although there are some similarities, the differences are more important. Although travel insurance policies offer in-patient treatment and in some cases multilingual support, the accommodation is usually semi-private. The policy only covers you in a specific area and only for the duration of your trip (maximum 30 days). The most significant difference between travel and international travel insurance is that travel insurance is not designed for long-term expatriation and you cannot rely on it for long-term care because of a low level of medical cover.

The Difference Between Travel & International Travel Insurance The Difference Between Travel & International Travel Insurance Pictures
  • What is International Travel Insurance?

International travel insurance or expatriate health insurance is meant for people who are working or living abroad for an extended period of time. Unlike travel insurance that covers treatment until you are well enough to return home, this type of policy will allow you to choose where you receive full in-patient treatment, including private hospitals. Because it has a high level of flexibility, expatriate insurance provides worldwide coverage for emergency medical treatment, cancer treatment, regular health check-ups, maternity, dental care, vaccination, rehabilitation and compassionate visits. Some even cover pre-existing conditions, hazardous sports and terrorism. Another benefits of this policy is its lifelong renew ability option available with certain providers.

  • The importance of international insurance

Many people believe that standard travel insurance will cover them in a foreign country and are not aware of its limits. Although international travel insurance is not the first thing that comes in mind when you are planning to move to another country, it is essential that you consider it. Without an expatriate health plan, you will have to pay yourself for the cost of healthcare abroad that can be very expensive. In case you require an emergency procedure or a visit to the doctor, you will be held liable for all the expenses. An overseas health insurance will give you confidence and piece of mind that your health is covered in a foreign country.