Explore with Confidence
Travel Medical Insurance
When you travel internationally, domestic insurance doesn’t come with you. But with the free help of our agents, fixing this is a breeze.
Why Is Travel Medical Insurance So Important?
Typically, domestic health insurance does not provide coverage for overseas medical emergencies and international travelers are unable to obtain this type of protection after they are outside of their home country.
Exploring far-away lands without medical coverage could leave you vulnerable to all kinds of expenses, beyond the standard hospital bills.
Travelers who are injured overseas may need assistance with things like:
Emergency Medical Evacuation
Sometimes referred to as medevac or medivac, Emergency Medical Evacuation ensures that you get to the right hospital quick after an injury and that you get care on the way. Travel insurance can mitigate enormous costs of a medical evacuation in the event of unforeseen emergencies.
Emergency Medical Reunion
When loved ones need to be with a patient after an injury, Emergency Medical Reunion can lead to expensive overseas travel and lodging expenses. Having the right coverage allows friends and family the peace of mind to be with those who need them when they need them.
Trip Interruption occurs when a traveler is forced to end their trip early and return home. Provided that it occurs for a covered reason, such as medical emergency or natural disaster, the expenses for the remainder of the trip are reimbursed up to 150%.
Return of Mortal Remains
Sometimes called repatriation of mortal remains, which is the worst-case scenario of a loved one passing away while traveling overseas. The body must be appropriately transported back to family at this time.
What Happens If I Don’t Get Travel Health Insurance?
In short, debt, further injury, or even loss of life.
The forms of additional assistance involved with severe injury overseas can add up to hundreds of thousands of dollars. Emergency medical evacuation alone may cost $50,000 or more. If something happens while you’re traveling internationally, and your regular health insurance or credit card doesn’t offer any coverage, you’re at risk of suddenly weathering many thousands of dollars of debt.
If you’re unable to fulfill an unexpected medical evacuation, this risk may also result in failure to receive the best medical care. This could mean the difference between saving or losing a limb – or a loved one’s life.
What Do Travel Insurance Plans Cost?
The average cost of a travel insurance plan for a relatively short trip overseas might be $100 or less. Our agents’ expertise and personal assistance is completely free. They’re available to help make sure you pick a plan that fully covers your needs.
With Murray’s BCBS Travel Insurance Policies, not only will you be able to enjoy your adventures with peace-of-mind, but you won’t have to pay upfront and then wait for reimbursement either. Our support is there the moment it’s needed.
Will My Whole Family Be Covered?
A person that has applied for benefits, is named on the application and for whom HPA has received the appropriate plan cost, is considered eligible for benefits under our travel insurance plan.
Eligible Dependents include a spouse who is legally married to you or your unmarried child from 30 days old until his/her 19th birthday.
When Will My Coverage Start?
Your coverage will start on whichever of the following events occurs last:
- The date HPA receives a completed application and the appropriate plan cost for the period of protection; or
- The effective date requested on the application; or
- The moment you arrive in the country noted on the application; or
- The date HPA approves the application.
What are Some Features of the Plan?
|Emergency medical evacuation||$100,000|
|Return of mortal remains||$20,000|
|Emergency medical reuinion||$10,000|
|Return of minor children||$5,000|
|Unexpected recurrence of a pre-existing condition||$5,000 (for US Citizens only)|
|Loss of checked luggage||$250|
|Emergency dental for accidents||$500|
|Accidental death and dismemberment||$25,000 for eligible person – $5,000 for eligible dependent(s)|
|Incidental visits||Up to $50,000|
|30-day extension of benefits||Up to $5,000|
How long do I need to purchase coverage for?
The minimum term of protection is only 15 days and the maximum is 12 months. Benefits can be purchased in a combination of monthly and 15-day periods by paying the appropriate plan cost.
Learn more about how travel insurance protects you
When Does the Coverage Terminate?
Expiration Date of the Term of Protection terminates on the earliest of the following:
- The moment You return to Your Home Country; or
- The expiration of twelve months from the Effective Date; or
- The date shown on the Schedule provided by Murray Insurance Agency; or
- The end of the period for which the Plan Cost has been paid; or
- The date You are no longer considered an Eligible Person; or
- For foreign visitors, the Date You become a permanent resident of the United States.
Is Pre-Notification Required?
Pre-notification (notification to HPA) is required prior to all hospital admissions and inpatient/outpatient surgeries. In case of an Emergency, Admission notification to HPA must be within 24 hours, or as soon as reasonably possible. This does not guarantee that benefits will be paid. HPA does not guarantee payment to a facility or individual for medical expenses until HPA determines that it is a Covered Expense.
Who Is the Trust?
Benefits under this Plan are provided by the American Consumer Insurance Trust. The Trust is insured by U.S. Fire Insurance Company.
Notice to residents of Florida: The benefits of this Plan are provided by the American Consumer Insurance Trust. The Trust is insured by U.S. Fire Insurance Company and is governed by the law of a state other than Florida. Your homeowner’s policy, if any, may provide coverage for loss of personal effects provided by the baggage and personal effects benefits. For U.S. Residents: This insurance is not required in connection with the purchase of Your travel arrangements.
What Are the Benefits, Terms and Conditions?
Only the following, which are specifically enumerated in the following list of charges and which are not excluded, shall be considered as Covered Expenses:
- Charges made by a Hospital for room and board, floor nursing and other services inclusive of charges for professional service and with the exception of personal services of a non-medical nature; provided, however, that expenses do not exceed the Hospital’s average charge for semiprivate room and board accommodation.
- Charges made for intensive care, coronary care charges and nursing services.
- Charges made for diagnosis, treatment and surgery by a Physician.
- Charges made for an operating room.
- Charges made for outpatient treatment, same as any other treatment covered on an inpatient basis. This includes ambulatory Surgical centers, Physicians’ outpatient visits and examinations, clinic care, and surgical opinion consultations.
- Charges made for the cost and administration of anesthetics.
- Charges for medication, X-ray services, laboratory tests and services, the use of radium and radioactive isotopes, oxygen, blood, transfusions, iron lungs, and medical treatment.
- Charges for physiotherapy, if recommended by a Physician for the treatment of a specific Disablement and administered by a licensed physiotherapist.
- Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or surgeon.
- Local transportation to or from the nearest Hospital or to and from the nearest Hospital with facilities for required treatment. Such transportation shall be by licensed ground ambulance only, within the metropolitan area in which You are located at that time the service is used. If You are in a rural area, then licensed air ambulance transportation to the nearest metropolitan area shall be considered a Covered Expense.
Optional Hazardous Sports Rider: If You purchase the Optional Sports Coverage, benefits will be paid up to the chosen plan maximum, if You become injured while participating in any of the following Sports: Hang gliding, parachuting, bungee jumping, snowmobiling, snorkeling, jet skiing, water skiing, snow skiing, spelunking, parasailing, and snow boarding.
Emergency Dental Treatment: Benefits are paid for Reasonable and Customary expenses up to the maximum shown on the Schedule of Benefits for repair or replacement to sound, natural teeth damaged as a result of an Accident.
Emergency Medical Evacuation and Medically Necessary Repatriation: Benefits are paid for Eligible Expenses incurred up to the maximum shown in the Schedule of Benefits, if Injury or Illness commences during the Term of Protection results in Your Medically Necessary Emergency Medical Evacuation or Repatriation. The decision for an Emergency Medical Evacuation or Repatriation must be pre-approved and arranged by the Assistance Company in consultation with Your local attending Physician.
Return of Mortal Remains: Benefits will be paid for the reasonable Covered Expenses incurred up to the maximum as stated in the Schedule of Benefits, to return Your remains to Your current Home Country, if You die. Covered Expenses include, but are not limited to, expenses for embalming, or cremation, a minimally necessary container appropriate for transportation, shipping costs, and the necessary government authorizations. All Covered Expenses in connection with a Return of Mortal Remains or cremation must be pre-approved and arranged by the Assistance Company.
Emergency Medical Reunion: When the Assistance Company and Your attending Physician determine that it is necessary and prudent for You to have an Emergency Medical Evacuation or Repatriation, this Plan will arrange to bring an individual of Your choice, from Your current Home Country, to be at Your side while You are hospitalized and then accompany You during Your return to Your current Home Country. Benefits will be paid up to $10,000 for a round trip economy air fare ticket as well as for reasonable travel and accommodation expenses up to a maximum of 10 days, as pre-approved and arranged by the Assistance Company.
Return of Minor Child(ren): Should You be traveling alone and are hospitalized because of a covered Illness or Injury and Your Minor Child(ren) is left unattended, the Assistance Company will arrange for a one way economy fare(s) to Your current Home Country. If an attendant/escort is necessary to ensure the safety and welfare of Your Minor Child(ren), the Assistance Company will also arrange these services. The Plan will pay for these services up to a maximum of $5,000 provided all transportation and services are pre-approved and arranged by the Assistance Company. Meals and lodging are Your responsibility.
Interruption of Trip: If your trip is interrupted due to one of the following reasons:
- Death of a Family Member.
- Serious damage to your principal residence from fire, flood or similar natural disaster (tornado, earthquake, hurricane, etc.). Benefits will be paid up to $5,000 for the cost of economy travel less the value of applied credit from an unused return travel ticket to return you home to your area of principal residence.
Loss of Checked Luggage: Benefits will be paid up to the maximum shown in the Schedule of Benefits, for loss, theft or damage to baggage and personal effects, checked with a Common Carrier provided You have taken all reasonable measures to protect, save and/or recover Your property at all times. This plan is secondary to any coverage provided by a Common Carrier and all other valid and collective insurance. There will be a per article limit of $50 to a maximum of $250.
Accidental Death and Dismemberment: Benefits shall be paid up to the maximum noted on the Schedule of Benefits if You sustain an Accidental Injury. The Injury must:
a) Occur during Your Term of Protection; and
b) Occur within 365 days after the date of Accident causing such Loss.
We Can Help You Find the Right Policy
Instead of trying to navigate the confusing insurance marketplace alone, contact us today to request help from our experienced team of agents. We understand the ins and outs of the industry and will be able to help you find the travel medical plan that’s right for you and your family. Oh, and our expert advice is always free.
Step 1: Contact an Agent
Our expert team of agents is awaiting your phone call. We have served over 150,000 Floridians, like you, in the past 30 years.
Step 2: Compare Plans
Your agent will work with you, explaining all of your options and giving their expert advice to find the perfect plan that fits all of your needs.
Step 3: Finalize Your Policy
In one phone call, we’ll finalize your policy.