There are four general policy types, ranging from basic to deluxe international policies. For more general tips on buying a travel health policy, read the related article Travel Health Insurance.
A Basic Policy May Be Enough
Those shopping for travel coverage will find several types or levels of protection. A basic travel medical policy should cover expenses associated with illness or accident for the traveler and his or her spouse and family, if applicable. The policy should cover the same type of expenses as a basic major medical policy: hospital costs, doctors’ fees and prescription drugs. Importantly, a travel policy should also include evacuation insurance.
Shoppers should be able to choose from several coverage amounts, ranging from as low as $35,000 per person to as high as $1 million, and should also have a choice of several deductible amounts.