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Medical Travel Insurance  Does it cover pre-existing conditions, and more questions answered.

Buying travel health insurance for your international trip is a smart investment. Travel medical insurance coverage will assure you that you won't bring back medical bills as souvenirs from your vacation.

Medicare doesn't cover you outside the USA
If you are covered under Medicare and a Medicare Supplement Plan, you may not have any medical coverage when you travel outside the United States. Some supplemental Medicare policies do provide coverage, but they rarely cover the costs of an emergency medical evacuation.

"If you are covered under Medicare and a Medicare Supplement Plan, you may not have any medical coverage when you travel outside the United States."
Travel medical plans come in two forms. One covers only your medical and medical evacuation, and typically it will cover you for an extended trip abroad. The other is a general travel insurance plan that covers your medical expenses and emergency evacuation, but also provides cancellation insurance, coverage for your baggage, and trip interruption coverage.

Which should I buy a medical only plan, or a general travel insurance plan?
The plan you need depends on how long you are traveling and what kind of trip you are taking.. If you are taking an extended trip (longer than 30 days) and do not have a specific travel agenda, then you will likely need to get a medical-only plan.

Most packaged travel insurance that provides general travel coverage limits the length of the vacation to 30-45 days. These plans also require you to have a specific set of travel dates.

"If you are taking a shorter vacation, then it is smarter to buy a general travel insurance policy that provides broader coverage."

If you are taking a shorter vacation, then it is smarter to buy a general travel insurance policy that provides broader coverage. These plans still cover your medical expenses and medical evacuation, but they also cover trip cancellation if you become ill and can't take the vacation. The trip interruption coverage will help you resume your trip if you are hospitalized during the vacation. It can also help you return home if you are ill and refund the penalties for the balance of your vacation that you have lost, up to the limits of the policy.

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