IAMAT |International Association of Medical Assistance to Travellers| IAMAT |International Association of Medical Assistance to Travellers|

Travel Health Insurance 101

Photo By: Somnath Sarkar

Travel Health Insurance 101: Getting the most of your policy

Planning to buy travel health insurance or already have coverage? Ask yourself: Is it the right coverage for me?

Not all travel health insurance policies are the same – providers offer varying degrees of coverage at different price points. Always take the time to read the full terms and conditions of your policy to make sure you know what is and what is not covered. You may discover that your existing coverage or the plan that you’re thinking of buying is not the right one for you. Not knowing the exclusions and limitations of your policy may put you at risk or end up costing you thousands.

To help find a policy that’s right for you, check out:

Understanding Travel Health Insurance

Guide to Travel Health Insurance

Need help getting started?

Navigating the world of travel insurance can be a daunting task. At IAMAT, we believe all travellers should be able to see the world without limitation.

To help, we’ve put together some key pointers on travel health insurance from IAMAT’s Guide to Travel Health Insurance.

What is travel health insurance and why do I need it?

Travel health insurance provides coverage for unexpected emergencies abroad. If you travel without travel health insurance, you may be responsible for the full cost of all expenses related to an unexpected event, accident, or medical emergency abroad.

What type of coverage can I get?

Having a clear understanding of the type of travel you’ll be doing and being aware of the risks you may encounter abroad can take the anxiety out of choosing the right policy.

Travel health insurance policies come in two forms – a travel health plan or trip insurance package.

How can I choose the right policy for me?

Your travel health insurance policy is a legal contract. In return for coverage, you have to adhere to the terms and conditions in your policy. Read your policy from A to Z, including all the fine print, to understand what is included.

Before you buy, consider the following:

For more information on how to choose a policy that’s right for you, check out our resources:

Understanding Travel Health Insurance: Terms You Need to Know is a free resource that includes definitions of common insurance terms, helpful advice and examples, and questions to ask before you buy.

Understanding Travel Health Insurance

Download IAMAT's Guide to Travel Health Insurance for tips on what to look for in travel insurance packages to ensure that you’re fully covered, including information on pre-existing condition waivers and medical questionnaires. It’s free for members.

Guide to Travel Health Insurance

Have a quick peek! Here's an excerpt on Making Sense of Your Medical Coverage.

Last reviewed and updated: December 11, 2018

Travel Health Journal