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10 Best International Travel Health Insurance for Mexico, Europe & Canada | Best Travel Insurance in 2022
This article will discuss the ten best international travel health insurance for Mexico, Europe, & Canada.
You have just packed your bags, mapped your itinerary, and set your “Out of the Office” message-It’s vacation time, But what about the travel Insurance? According to a 2019 study by the Travel Health Insurance Association of Canada, about 13% of Canadians are not that sure if they have Traveled the insurance before going on to the vacations. Furthermore, of those who have bought the insurance,17% do not really know what their policy will cover.
As a professional travel writer, I may find this rather alarming. Canadian health insurance is not valid which is outside Canada. Also, your provincial or territorial health plan may cover all the costs even if you are traveling domestically.
If you suffer from an accident or get abroad, unexpected medical bills can also bankrupt you. That’s why the Canadian government may advise all travelers to buy travel insurance. I may never leave the country without it.
Whether you are taking a two-week trip or a gap year abroad, every Canadian needs to travel the insurance, regardless of the age and the destination and length of the destinations.
Will my provincial insurance be valid overseas?
No, suppose you get sick or even injured overseas. In that case, the Canadian government will not constantly cough up the time to cover your medical costs. Here are some sobering facts: Canadian public insurance is not valid outside of Canada; foreign hospitals can also be extremely expensive and demand payment before treating you.
The Canadian government will not pay a Cnidarian’s medical bills for an illness or accidents abroad. So you are also on the hook for footing the bill.
What does travel insurance cover?
Every travel insurance policy is different. What is covered depends on how much you are willing to pay for the coverage. Specific medical services that you can expect to be covered include the emergency hospital and the medical costs, ambulance and the air ambulance costs, physician and the laboratory costs, prescription drugs, outpatient services, and the air ambulance or the commercial repatriation in the home.
How much coverage do I need?
Securing the policy with a minimum of around $1m maximum payable is a much safe bet. But do not just look at the numbers when you are choosing a policy-you should read the fine print. Every insurer has a list of the situations in which the coverage is not provided, otherwise known by the exclusions. Check whether your provider includes the coverage or has the provisions for the following.
Pre Existing medical conditions
According to the International Association for the Medical Assistance to Travelers, a preexisting condition is something that had happened before you were insured. Some of the policies may cover the claims relating to the preexisting conditions that are much controlled and stable but read the definitions much more carefully. If you do not declare a condition, the entire policy could also be invalidated.
Ensure that the policy will cover the medical evacuation to the nearest hospital and/or to Canada, as well as the costs of the medical escort to accompany you to your final destination.
If you plan on engaging in very high-risk activities on your trip, you may need to shell out some extra dough for a more comprehensive plan. Unfortunately, many of the polices do not cover risky activities such as skiing or even snowboarding out of the bounds, scuba diving,white-water rafting, or participation in any rodeo activities. Ask the questions and get the specifics before purchasing a policy to cover your bases.
Best travel insurance companies
Travel insurance companies will help you protect the financial investment that you have made in your vacation, whether you have booked a tropical cruise or even a sightseeing trip to a far-flung land. Though purchasing the travel insurance coverage is optional, it does help you to avoid losing the money on the prepaid travel expenses if your travel plans may go awry.
Many of the credit cards will offer you some sort of travel insurance coverage. Still, it is most important to note that credit card travel insurance does not always include medical or dental coverage, nor the emergency evacuation coverage-three of the most important and the most protective types of travel insurance. So now we are going to discuss some of the best companies.
1. Allianz Travel Insurance
Allianz Travel Insurance will provide you with a selection of 10 travel insurance plans intended to suit different traveler needs. You can also purchase coverage for a specific trip. Still, you can also purchase an annual travel insurance plan if you travel more often and want to buy a new travel insurance policy each of the time.
When it comes to purchasing travel insurance for a particular trip, Allianz offers several levels of coverage. While each plan comes with its inclusion and coverage limits, it is also the most popular single-trip plan in the OneTrip Prime plans.
With the help of a one trip Prime, you can also receive the trip cancellation up to $100,000, trip interruption coverage which is up to $150,000, emergency medical coverage for the $25,000, up to $1,000 in the baggage loss, theft, or even the damage, and up to the $500 in the change fee coverage, among the other benefits.
The one trip Prime plan will also cover the children ages 17 and younger for free when traveling with a parent or even the grandparent. You also customize additional coverage for the rental cars or preexisting conditions.
Allianz also lets you apply for a travel insurance quote to manage your policy. The Company will also offer a smartphone app that will let you manage your plans from your preferred mobile device.
2. Travelex Insurance Services
Travelex will offer you two main travel insurance plans-travel basic and then travel select. The Company also will let you tailor your policy to meet your unique needs with the optional add-ons.
If you are looking for an affordable plan, you should consider the Company’s Travel basic plan. This plan will cover 100% of the insured trip that cost for the cancellation and the interruptions and up to $500 for the trip delays.
It will also offer up to $100,0000 in emergency medical evacuation and repatriation coverage,$15,000 in medical and dental coverage, and up to $500 in coverage for the lost, damaged, or stolen baggage and the personal effects.
Plus, you have access to primary coverage with absolutely no deductibles. Therefore, the Company will recommend this plan for only domestic, short, and vacations.
If you are just traveling internationally, you should consider the Travel select plan. Limits are also very high with this kind of plan: You will get up to $500,000 in case of emergency medical and dental coverage, and up to $1,000 in the coverage, damaged and the stolen baggage, and the personal effects. What’s more, children ages above 17 and younger who are traveling with insured adults are covered at no additional cost.
Travelex also offers custom upgrades, so you can also add that to your plan, including the car rental coverage and the accidental death and dismemberment insurance. In addition, the travel select plan will allow you to add a preexisting condition which is a waiver, provided you purchase travel insurance within the 15 days of your initial trip deposit.
3. World Nomads Travel Insurance
World Nomads will sell customizable travel insurance policies that vary in coverage and the price based on your own needs. It is policy inclusions are very bored. In contrast to the other travel insurance companies, it also covers adventure the sports, such as scuba diving, bungee jumping, mountain biking, and skiing, in its standard policy.
Generally speaking, you will also have the choice between the two travel insurance plans-a, a standard plan or an Explorer plan–when you will apply for a free quote from the World Nomades. The standard plan will provide a significantly lower level of coverage for a more affordable upfront cost. In contrast, the explorer plan will offer a more robust coverage for a higher premium.
4. AIG Travel
Aig travel will offer you three types of travel insurance plans: the annual plan for all of the trips in one year, the pack N go plan for the last-minute trips, and the single-trip of the plan.
Single trips can also be ensured with the essential, preferred, or the Deluxe level of the coverage depending on the cost of your trip and the amount of the reimbursement you want to be guaranteed. However, suppose you are a New York state resident. In that case, you will pick from a similar Silver, Gold, or Platinum plan depending on your own needs.
The amount of coverage and the limits in your plan can also vary depending on your trip details. This variability will make it essential to obtain a quote through the AIG Travel search engine to verify the coverage levels that you can qualify for.
5. Seven Corners
Seven Corners will offer you the travel insurance plans available for U.S. residents. Still, it also will offer travel insurance with all the medical coverage for the visitor’s plans that can be easily purchased with up to $5 million in the coverage. Still, you can also purchase travel insurance for most students; groups travel insurance plans, and annual travel insurance plans for frequent travelers.
6. Generali Global Assistance
Generali Global Assistance will offer you three travel insurance plans you can customize according to your own needs: a Standard plan, a very preferred plan, and a premium plan. It is also a standard plan that will provide the lowest level of coverage. In contrast, the Premium plan will offer more coverage and much higher limits for a higher upfront.
The Preferred plan promises the same coverage as the Standard plan, but with the special coverages for sporting the equipment and delays. That also makes this plan a bit of a valuable option if you are traveling for a golf tournament or a ski trip.
7. IMG Travel Insurance
IMG offers a plan specifically designed for retired travelers ages 65 and older. IMG travel insurance focuses on three main types of coverage – travel medical insurance, international health insurance, and traditional travel insurance.
This company will also offer a GlobeHopper Senior plan suited for retired travelers ages 65 and older. The plans are explicitly geared toward ex-pats, students, business travelers, and government workers.
IMGs have three main travel insurance plans for business or family travelers: iTravelInsured Travel Lite, iTravelInsured Travel LX, and iTravelInsured Travel SE.
8. AXA Assistance USA
The company’s plans include missed connection coverage. In addition, AXA Assistance USA has three tiers of travel insurance for customers who want to pay more to get the proper coverage.
The Gold Plan is AXA’s mid-tier option with around 100% coverage for the trip cancellation, 150% in the converge for he trip interruption, $200 per day in the coverage for the trip delays, $1,000 in missed connection coverage, $500,000 in the coverage for the emergency medical evacuation, and $100,000 in the sickness and accident coverage.
9. HTH Travel Insurance
It will provide you with Generous coverage at the mid-tier level. With the HTH Travel Insurance, consumers have an extensive range of options that already fit different goals. For example, you can buy medical-only coverage for single or multiple trips, standalone trip cancellation coverage, and more.
In addition to the coverage for many specific components of your trips, HTH Travel Insurance will also offer you comprehensive travel Insurance coverage. The plan will come in three tiers: Economy, Classic and Preferred.
10. GeoBlue Travel Insurance
By providing access to an elite network of providers, innovative mobile and online tools, the convenience of telemedicine tools, and exceptional customer service, GeoBlue gives world travellers and expats living a global lifestyle peace of mind. We are proud to be the global standard for comprehensive, dependable, and convenient health and safety protection.
You do not have to be enrolled in a Blue Cross or Blue Shield medical plan to purchase a GeoBlue plan because it is an independent licensee of the Blue Cross Blue Shield Association.
This article has explained the best international travel health insurance for Mexico, Europe, and Canada. We recommend you do some research of your own to get the best results.