Why Do I Need Emergency Medical Insurance?
If you already have health insurance, why would you need emergency medical travel insurance, too?
Because your insurance may not travel with you.
In general, many medical insurance plans do not cover care received outside the United States. This includes standard Medicare and Medicaid plans. Travelers on these plans may want to consider a travel insurance policy.
Additionally, many traditional health plans may not cover care received in other states. So even domestic travelers may need to consider purchasing a travel insurance policy.
How Travel Insurance May Save Your Trip
If your health insurance doesn't provide coverage when traveling, if there is an emergency, you could end up paying expensive medical bills out of pocket. Medical emergencies are costly, and expenses can add up quickly.
How quickly? One man had a medical emergency in Europe and required an air ambulance flight back to the United States. His expenses included a hospital stay and an air ambulance flight home. The total bill was $117,000. Fortunately, he had a travel insurance
plan from Arch RoamRight. Read his story.
Types of Emergency Medical Travel Insurance
Travel insurance is designed to cover emergency medical expenses that arise when you’re far from home. Arch RoamRight offers several plans, depending on your travel insurance needs.
Reasons You Need Travel Insurance
Travel is unpredictable, and so is your health.
These scenarios and more are just some of the reasons why you should consider a travel insurance plan for your travels:
- Your everyday health insurance plan may not cover you when you travel overseas or out of state, including common plans like Medicaid and Medicare;
- Medical emergencies experienced far from home or in remote areas can sometimes require an evacuation, which is often a costly expense;
- Common injuries such as broken bones may require a seat upgrade on return flights or a nurse escort;
- You may be traveling by yourself and hospitalized due to an accident or illness and want a loved one to be with you during this time;
- In the event of a tragedy, your remains will be returned home to your loved ones.
These incidents can happen to anyone, even a healthy, prepared traveler.
Concerned about Pre-Existing Medical Conditions?
If you have a pre-existing condition, you may want to consider one of Arch RoamRight’s travel insurance plans. These plans can include a waiver of the pre-existing conditions exclusion
if the following conditions are met:
- Purchase your travel insurance plan within 21 days of making your first trip payment;
- Insure the entire non-refundable cost of your trip;
- Must not be disabled†from travel at the time your premium is paid; and
- This must be your first and only booking for this same time period and destination.
†For definitions, please refer to the policy.
Rest Easy with Arch RoamRight’s Money-Back Guarantee
All RoamRight plans come with a 14-day money-back guarantee, so you can feel confident with your purchase.
Start your quote for travel insurance, or call 1-800-699-3845 to speak with a representative.