Medical Expenses Travel Insurance

medical expenses insurance

What is Medical Expenses Travel Insurance?

Medical expenses travel insurance is a benefit included in most travel insurance plans. It reimburses you for eligible medical costs you incur during your trip,  helping you avoid a hefty bill if you require medical attention while traveling.


What Does Medical Expenses Travel Insurance Cover?

Medical expenses insurance typically covers a variety of medical costs you might face abroad, such as:

  • Hospitalization: If you require hospitalization due to illness or injury, your insurance can help cover room charges, doctor fees, and other related expenses.
  • Surgery: In case of a necessary surgery during your trip, the insurance can help cover surgeon fees, anesthesia, and hospital charges.
  • Physician Visits: Should you need to see a doctor for a checkup or treatment, your plan might cover the consultation fees and medications prescribed.
  • Ambulance Services: If an emergency requires ambulance transport, your insurance can help cover those costs.

Things to remember:

  • Policy Limits: There are typically limits on how much your insurance company will reimburse for medical expenses. Understand your policy’s maximum coverage amount to ensure it meets your needs.
  • Deductible: A deductible is the amount you’ll need to pay out of pocket before your insurance kicks in. Choose a deductible that balances affordability with sufficient coverage.
  • Pre-existing Conditions: Some plans might have exclusions or limitations for pre-existing medical conditions. Review your policy details carefully to understand coverage for your specific situation.
  • Destination: Medical costs can vary significantly depending on your travel destination. Consider this when choosing your coverage amount.

Remember:  Always check your specific policy wording for any additional details, exclusions, or requirements regarding medical expense coverage.


What is Not Covered by Medical Expenses Travel Insurance?

Medical expense travel insurance offers valuable protection, but it’s important to understand its limitations:

  • Non-emergency Medical Care: Routine checkups or preventive care typically aren’t covered.
  • Pre-existing Condition Exclusions: Some plans might not cover certain expenses related to pre-existing medical conditions as outlined in the policy wording.
  • Adventure Activities: High-risk activities like extreme sports might be excluded from coverage. Double-check your policy for specific details.
  • Evacuation and Repatriation: These are typically covered under separate travel insurance benefits like repatriation insurance.

Do I Need Medical Expenses Travel Insurance?

Here’s how to decide if medical expense travel insurance is right for you:

  • Travel Style: If you’re planning adventures or activities that carry a higher risk of injury, having this coverage can provide peace of mind.
  • Overall Health: Consider your existing health conditions and the potential costs associated with medical care abroad.
  • Trip Duration: Longer trips increase the chance of needing medical attention compared to shorter getaways.

How Much Coverage Do I Need?

The amount of coverage you need depends on your destination, age, health, and risk tolerance.  Generally, it’s wise to choose a plan with a high enough coverage limit to cover potential medical expenses in your chosen destinations.


How Much Does Medical Expenses Travel Insurance Cost?

There are different levels and durations of medical expenses insurance to choose from, so you can pick what fits your trip and budget. Sometimes, coverage for a whole region costs the same or even less than coverage for just one country. For example, the LUMA Asia Pass covers Asia in two different zones as medical expenses in Zone 1* are lower cost than Zone 2* where medical expenses in these countries are higher which increase the cost of the travel insurance for you.

For example the Basic Plan for LUMA Asia Pass, departing from US to Thailand (Zone 1 country) for 1 week would cost: 47 USD approximately.


The Basic Plan for LUMA Asia Pass, departing from US to Singapore (Zone 2 country) for 1 week would cost: 55 USD approximately.



*Zone 1: Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam, Bangladesh , Bhutan , East Timor , India , Nepal*, Pakistan, Sri Lanka


*Zone 2: Zone 1 + Singapore, China , Mongolia , Hong Kong , Macau , Taiwan , Japan , Maldives , and South Korea


Factors that also affect the cost of medical travel insurance:


  • Coverage Limits: Plans with higher coverage limits for medical expenses will naturally be more expensive than those with lower limits. Choose a plan that offers enough coverage for your needs.
  • Deductible: A higher deductible can lower your premium cost, but you’ll be responsible for paying more out of pocket before your insurance kicks in.
  • Destination: Medical costs vary globally. Traveling to regions with expensive medical care might influence the insurance cost. Fro example medical costs in Singapore are high than medical costs in Vietnam.
  • Additional Benefits: If your travel insurance plan includes other benefits besides medical expenses (like trip cancellation or baggage delay), the overall cost will be higher than a plan with just medical expense coverage.


How Does Medical Expenses Travel Insurance Work in a Real-life Example?

Imagine you get appendicitis during your vacation in Hong Kong.  Your medical expenses travel insurance helps cover the cost of your hospital stay, surgery, and doctor fees, reducing your financial burden during this unexpected situation.


Medical expenses travel insurance helps protect you from the high costs of medical care abroad. By understanding what it covers and how it works, you can choose the right plan for a worry-free travel experience.

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