An unexpected injury or illness can quickly ruin a vacation. The best way to protect yourself while you are travelling abroad is to purchase tourist health insurance before you leave for your trip.

Health insurance for tourists offers coverage that your traditional coverage may not provide. Many travelers mistakenly believe that the plan they have in their home country will also cover them when travelling abroad, however, this is not always the case.

Tourist medical insurance will protect you in case of an emergency medical situation. To be eligible for these plans, you must be travelling outside of the U.S. for a minimum of 5 days, or be a non-U.S. citizen who is travelling outside of their home country for a minimum of 5 days. Coverage is available for a maximum of 1-3 years and depends on the plans that you purchase.

The deductible amount for visitors health insurance varies based on your budget and desired level of coverage. You have the option of selecting one of the following deductibles for your plan: $0, $100, $250, $500, $1,000 or $2500.

Coverage is provided for medically necessary services with tourist medical insurance, including emergency care, hospital stays and prescription costs. These services can often costs thousands of dollars, so it’s important to have an insurance for tourist that offer this important benefit.

There are additional helpful benefits available with insurance for tourists as well. Assistance with identity theft, lost baggage and trip interruption are very useful additions to any travel insurance plan. Travelers can also purchase End of Trip Home Country coverage, which extends their coverage for up to two months once they return to the U.S.

Your desired deductible amount, number of days you need coverage and your age will determine the cost of your tourist medical insurance. For more adventurous travelers, optional coverage for extreme sports travelers up to age 65 is also available.

Before you leave for a trip overseas, make sure that you are protected with health insurance for tourist. Designed with travelers like you in mind, this type of insurance is a necessity for anyone who is planning a trip abroad.

Dan Miller frequently writes about visitors health insurance

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