Does Insurance Help Pay Hotel When Traveling and Family is Hospitalized? 

Medical care in the United States is not distributed equally, and people living in rural areas often face long travel times to receive treatment. Traveling for medical care increases the risk of developing a serious illness later. However, some people may qualify for travel expenses if they are traveling 50 or more miles to a trauma center. This type of insurance often pays for a family member’s round-trip flight or a friend’s hotel while they’re hospitalized. 

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Medical evacuation travel insurance pays for a round-trip flight for a friend or family member 

If you are traveling with a friend or relative, medical evacuation travel insurance can help pay for a round-trip flight to take them home if they become ill while abroad. This benefit typically has a minimum hospitalization period, so it is not applicable if you are staying at home. You may also be able to claim reimbursement for the costs of a friend or family member’s hotel stay and meals, which can be reasonable. 

Medical evacuation travel insurance helps protect you from the astronomical costs associated with a medical evacuation. A round-trip flight to a preferred medical facility can cost upwards of $150,000. The cost of a medical evacuation can be as high as $25,000 in North America, up to $100,000 in Europe, and more than $250,000 worldwide. Having this protection is vital to your peace of mind while traveling. 

Pre-existing conditions covered by insurance 

Most travelers aren’t aware of the concept of “pre-existing condition” and may be confused by it. To clarify, a pre-existing condition is a medical condition you had before the insurance plan began. A pre-existing condition is anything that has changed your health, including any tests, treatments, or prescribed medication you may have received. If you or someone in your family has a pre-existing medical condition, the insurance provider will not cover the costs associated with the change. 

When it comes to travel insurance, you should make sure that you choose a plan that covers pre-existing medical conditions. Travel insurance companies look at whether or not a pre-existing condition has gotten worse while you’re traveling. In other words, if you have a condition that’s been treated for years without a problem before, your plan will not cover it when you’re abroad. 

Cost of travel insurance 

Travel insurance covers unexpected medical costs, including emergency dental treatments. Some policies offer additional benefits like emergency lodging replacement, lost luggage, and assistance with returning home if you are involved in a covered incident. While you will need to cover the first $5,000 out of pocket, the rest will be covered by your insurance company. You should also look for international travel medical insurance, as it offers 100% coverage up to a set maximum. 

The cost of travel medical insurance depends on the age of the people who are covered and the length of the trip. Younger people generally pay less than those who are older. Many policies cover illness or injury that occurs after the effective date, so it’s important to look at the terms carefully. While most policies are flexible, they do not cover emergencies that occur before the policy takes effect. Additionally, many policies only cover hospitalization costs after the trip has begun. 

Coverage available on credit cards 

There are several options for medical coverage on credit cards when traveling, including emergency evacuation, which covers up to $100,000 of medical expenses. Many cards will cover medical evacuation as long as you are 100 miles away from home and the trip lasts five to 60 days. You can get reimbursement for up to seventy-five dollars a day for hotel convalescence. If you don’t travel far enough to benefit from this insurance, you can also buy a travel insurance plan to protect yourself. 

Some cards also offer cancel for any reason coverage, which reimburses 50%-75% of your prepaid travel costs. But this type of coverage may not be available on every card. And with the recent coronavirus outbreak, insurers may be tempted to restrict or eliminate these policies. As a result, you may need to pay more. To get this coverage, make sure you know the limits and exclusions of your credit card’s cancellation policy.