{"id":13320,"date":"2024-03-05T23:08:29","date_gmt":"2024-03-05T15:08:29","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=13320"},"modified":"2026-04-16T02:16:25","modified_gmt":"2026-04-15T18:16:25","slug":"travel-insurance-for-visitors-protecting-your-health-abroad","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/travel-insurance-for-visitors-protecting-your-health-abroad.html","title":{"rendered":"Insurance for Visitors: Protecting Your Health Abroad"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Both travel insurance and short-term international health insurance protect your health while abroad as a visitor. Travel insurance protects against a range of travel-related risks, and short-term international health insurance offers coverage for health-related risks.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">short-term international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, you may also want to consider <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">expat health insurance<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">. They are designed for different needs, and there are significant differences among them.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we explain these types of insurance in detail and how you should choose among them. We\u2019ll also cover medevac insurance, which covers the cost of <\/span><a href=\"https:\/\/www.medical-repatriation.uk\/repatriation-services\/blog\/medical-evacuation-and-repatriation_6919.html\"><span style=\"font-weight: 400;\">medical evacuation or repatriation<\/span><\/a><span style=\"font-weight: 400;\"> should that become medically necessary.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Travel Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13323 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar.jpg\" alt=\"Towers By Water, West Bay, Doha, Qatar\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/towers-by-water-west-bay-doha-qatar-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Travel insurance provides coverage for a variety of risks that travelers may encounter on their trip, and one of its crucial functions is to protect the health of visitors against injuries, medical emergencies, and infectious diseases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Travel insurance typically includes coverage for medical expenses incurred due to unexpected illnesses or injuries during the trip, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Doctor visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prescription medications<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical evacuation if necessary<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Moreover, travel insurance often provides a 24\/7 helpline for medical advice, coordination of medical services, and assistance in locating suitable medical facilities. These services can be invaluable when visitors may face language barriers or difficulty navigating the local healthcare system.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, travel insurance has its limitations. For starters, most travel insurance policies do not cover medical expenses related to <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/pre-existing-condition\/\"><span style=\"font-weight: 400;\">pre-existing conditions<\/span><\/a><span style=\"font-weight: 400;\">. Individuals with pre-existing conditions should thus consider other insurance options which may provide coverage for these conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, the coverage period of travel insurance is limited, and while the health-related protection it offers may vary depending on the specific policy, <\/span><b>the emphasis is generally on addressing and managing emergencies rather than providing comprehensive or long-term care<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Individuals planning to stay abroad for an extended period, such as expats or <\/span><a href=\"https:\/\/www.forbes.com\/sites\/jackkelly\/2024\/02\/14\/how-to-become-a-digital-nomad\/\"><span style=\"font-weight: 400;\">digital nomads<\/span><\/a><span style=\"font-weight: 400;\">, may thus need to explore alternative insurance options, like expat health insurance or international health insurance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Short-term International Health Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13324 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland.jpg\" alt=\"Wittenberg Skyline With Clock Tower, Deutschland\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/wittenberg-skyline-with-clock-tower-deutschland-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Short-term international health insurance offers comprehensive medical coverage for individuals who are temporarily abroad for up to 12 months. This insurance provides coverage throughout their time spent overseas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Short-term international health insurance covers the cost of medical treatment while abroad, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital stays<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specialist consultations<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Unexpected health issues such as accidents and illnesses<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Visitors can choose a policy that suits their specific travel period, ranging from 1 to 12 months. You can thus have adequate health coverage for your overseas stay without committing to a long-term insurance plan. Typically, you can extend your coverage if needed.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, like all insurance plans, short-term international health insurance has limitations. For example, pre-existing conditions are typically excluded from coverage. Some insurers may offer optional <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/rider-exclusionary-rider\/\"><span style=\"font-weight: 400;\">riders<\/span><\/a><span style=\"font-weight: 400;\"> to cover pre-existing conditions, but additional costs or restrictions often follow.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Routine or pre-planned treatments in the individual&#8217;s home country are also usually not covered. Additionally, certain high-risk activities, such as extreme sports or hazardous occupations, may be excluded from coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity <\/span><\/a><span style=\"font-weight: 400;\">coverage, short-term international health insurance may provide limited coverage or exclude it altogether. Pregnancy is often considered a pre-existing condition, and insurers may have specific <\/span><a href=\"https:\/\/www.privatehealth.gov.au\/health_insurance\/howitworks\/waiting_periods.htm\"><span style=\"font-weight: 400;\">waiting periods<\/span><\/a><span style=\"font-weight: 400;\"> before maternity benefits become available.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Although some policies offer limited coverage for complications arising from pregnancy, routine prenatal care and childbirth expenses are rarely covered. Expectant mothers should thus review the policy terms before relying on short-term international health insurance for maternity-related expenses.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Summary of Your Health Insurance Options as a Visitor<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13325 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru.jpg\" alt=\"Machu Picchu At Sunset, Peru\" width=\"800\" height=\"600\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru-300x225.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru-600x450.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru-768x576.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/machu-picchu-at-sunset-peru-150x113.jpg 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Below is a table comparing the key aspects of travel insurance and short-term international health insurance. Expat health insurance and international health insurance are also included in the comparison because many people end up securing these coverages after learning more about them.<\/span><\/p>\n<table style=\"border-color: black; margin-left: auto; margin-right: auto;\" border=\"1\">\n<tbody>\n<tr>\n<td><\/td>\n<td><strong>Travel Insurance<\/strong><\/td>\n<td><strong>Short-Term International Health Insurance<\/strong><\/td>\n<td><strong>Expat Health Insurance<\/strong><\/td>\n<td><strong>International Health Insurance<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage Duration<\/strong><\/td>\n<td>Duration of the trip<\/td>\n<td>1 to 12 months<\/td>\n<td>Usually long-term (1+ years)<\/td>\n<td>Varies (often long-term)<\/td>\n<\/tr>\n<tr>\n<td><strong>Purpose<\/strong><\/td>\n<td>To protect against trip-related risks<\/td>\n<td>To provide health coverage for temporary stays abroad<\/td>\n<td>To provide health coverage for long-term living abroad<\/td>\n<td>To provide health coverage with international mobility<\/td>\n<\/tr>\n<tr>\n<td><strong>Medical Coverage<\/strong><\/td>\n<td>Limited<\/td>\n<td>Comprehensive<\/td>\n<td>Comprehensive<\/td>\n<td>Comprehensive<\/td>\n<\/tr>\n<tr>\n<td><strong>Trip-related Coverage<\/strong><\/td>\n<td>Trip cancellation, baggage damage or loss, travel delays, etc.<\/td>\n<td>Limited or none<\/td>\n<td>Limited or none<\/td>\n<td>Limited or included depending on the policy<\/td>\n<\/tr>\n<tr>\n<td><strong>Pre-existing Conditions<\/strong><\/td>\n<td>Typically not covered<\/td>\n<td>Typically not covered by default<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<\/tr>\n<tr>\n<td><strong>Inpatient Care<\/strong><\/td>\n<td>Limited coverage or none<\/td>\n<td>Covered<\/td>\n<td>Covered<\/td>\n<td>Covered<\/td>\n<\/tr>\n<tr>\n<td><strong>Outpatient Care<\/strong><\/td>\n<td>Limited coverage or none<\/td>\n<td>Covered<\/td>\n<td>Covered<\/td>\n<td>Covered<\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.healthcare.gov\/glossary\/preventive-services\/\"><strong>Preventive Services<\/strong><\/a><\/td>\n<td>Limited coverage or none<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<\/tr>\n<tr>\n<td><strong>Dental Coverage<\/strong><\/td>\n<td>Limited coverage or none<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<\/tr>\n<tr>\n<td><strong>Vision Coverage<\/strong><\/td>\n<td>Limited coverage or none<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<td>Coverage varies<\/td>\n<\/tr>\n<tr>\n<td><strong>Coverage Territory<\/strong><\/td>\n<td>Varies depending on the policy<\/td>\n<td>Worldwide coverage possibly with excluded region(s)<\/td>\n<td>Coverage in specified country(ies)<\/td>\n<td>Worldwide coverage possibly with excluded region(s)<\/td>\n<\/tr>\n<tr>\n<td><strong>Renewability<\/strong><\/td>\n<td>Not applicable<\/td>\n<td>Typically renewable for up to a year<\/td>\n<td>Renewable<\/td>\n<td>Renewable<\/td>\n<\/tr>\n<tr>\n<td><strong>Suitable for<\/strong><\/td>\n<td>Tourists, occasional travelers<\/td>\n<td>Longer overseas trips, students, short-term work assignments<\/td>\n<td>Expats, long-term residents, employees<\/td>\n<td>International travelers, digital nomads, individuals with global mobility<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">This table provides only a general comparison. Specific details may vary depending on the insurer and policy terms.<\/span><\/p>\n<div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n\n<h2><span style=\"font-weight: 400;\">Medevac Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13326 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1.jpg\" alt=\"London's Tower Bridge, UK\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-uk-1-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Medical evacuation insurance, also known as medevac insurance, covers the transportation of an injured or ill individual to a medical facility capable of providing adequate treatment. It ensures that individuals receive necessary medical care in a medical emergency while traveling.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medevac insurance usually covers transportation by air or ground ambulance, and sometimes even by sea, depending on the seriousness of the situation and the individual&#8217;s location.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medevac plans commonly include 24\/7 emergency travel assistance services, and further cover the cost of:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return of accompanying dependent children<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Return of mortal remains should a covered individual, unfortunately, pass away while traveling<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Medevac coverage is often included in travel insurance and international health insurance plans. However, standalone medevac insurance plans often provide more elaborate medical evacuation services, greater flexibility and customization options, and higher coverage limits.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Standalone policies also tend to offer better coverage for pre-existing medical conditions. With a standalone policy, there is no risk of other travel insurance benefits being affected by the use of medical evacuation services because it is a separate policy purely focused on medical evacuation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For a detailed explanation of medevac insurance, please click <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/travel-insurance-ensuring-emergency-evacuation-coverage.html\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How You Should Choose an Insurance Policy<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13327 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night.jpg\" alt=\"New York City Skyline At Night\" width=\"800\" height=\"600\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night-300x225.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night-600x450.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night-768x576.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/new-york-city-skyline-at-night-150x113.jpg 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the right insurance always begins with a good understanding of your needs. We recommend that you follow the steps below to make sure the plan you secure is exactly what you need:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Carefully assess your insurance needs, and make sure the right risks are covered.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Shop around, and seek out plans with sufficient coverage limits.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Choose an insurer with a strong reputation for efficient service, good 24\/7 multilingual support, and fairness.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Make sure the insurer has a sizable service provider network, and your preferred service providers are in the network.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pick a plan with premiums you can afford, bearing in mind that plan premiums often depend on the <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/deductible\/\"><span style=\"font-weight: 400;\">deductibles<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.healthcare.gov\/glossary\/co-payment\"><span style=\"font-weight: 400;\">copayments<\/span><\/a><span style=\"font-weight: 400;\"> you select.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Understand the exclusions and limitations of the plan, particularly with regard to coverage for pre-existing conditions and waiting periods.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check whether the insurer will pay service providers directly because <\/span><b>it can create tremendous financial hardship for the client otherwise<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Read the policy terms carefully before signing on the dotted line, and take note of the various requirements and restrictions; it is also important to understand the claims process and the documentation you need to produce when making a claim.<\/span><\/li>\n<\/ol>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Consult with a Travel Insurance Broker or Specialist<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">An <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">insurance brokerage<\/span><\/a><span style=\"font-weight: 400;\"> with international experience can help you navigate through the available options and provide personalized recommendations with your needs and budget in mind. What\u2019s more, <\/span><b>the value for money of their recommendations is hard to beat<\/b><span style=\"font-weight: 400;\"> because they are familiar with the market.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-13328 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia.jpg\" alt=\"Sydney Opera House, Australia\" width=\"800\" height=\"600\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia-300x225.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia-600x450.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia-768x576.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/sydney-opera-house-australia-150x113.jpg 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">What are the main health insurance options available to visitors?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Travel insurance and short-term international health insurance are the two main types of health insurance plans for travelers. However, depending on the individual\u2019s circumstances, expat health insurance or international health insurance could serve their needs even better.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is medevac insurance, and how can I secure this insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Medevac insurance ensures that individuals receive prompt and adequate medical care by transporting them to suitable facilities if medically necessary. Travel insurance and international health insurance plans often include this coverage. Standalone medevac insurance plans are also available.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What are the main things to pay attention to when choosing among health insurance plans?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The main criteria include covered risks, coverage limits, exclusions and limitations, insurer reputation, support from the insurer, premium levels, deductibles, copayments, size of the service provider network, whether the insurer will pay service providers directly, and the policy terms.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In this article, we\u2019ve focused on helping readers choose the right health insurance for their overseas trip or stay. We\u2019ve also compared and contrasted travel insurance and short-term international health insurance with some other similar types of insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Insurers are forever trying to outshine each other with new products with higher limits, improved flexibility and adaptability, wider coverage, and more features, and it is some real work to keep up with their latest offerings. That\u2019s why so many people work with us when securing health insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether it&#8217;s <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term-health-insurance-plans\/\"><span style=\"font-weight: 400;\">short-term international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">expat<\/span><\/a><span style=\"font-weight: 400;\">, or <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">, We have the expertise and experience to tailor a solution that fulfills your requirements within your budget.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What\u2019s more, you will benefit from our advice and support at no extra cost, and you can be sure our recommendations represent the best value for money. So <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> for a quote or a FREE <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">plan comparison<\/span><\/a><span style=\"font-weight: 400;\"> today!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you going to Malaysia or Europe soon? If so, <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-malaysia.html\"><span style=\"font-weight: 400;\">Health Insurance in Malaysia for Foreigners: A Comprehensive Guide<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-in-europe.html\"><span style=\"font-weight: 400;\">Health Insurance in Europe: A Guide for Expats<\/span><\/a><span style=\"font-weight: 400;\"> will exactly serve your needs, just like the plans we recommend will fit your requirements and budget!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Both travel insurance and short-term international health insurance protect your health while abroad as a visitor. Travel insurance protects against a range of travel-related risks, and short-term international health insurance offers coverage for health-related risks.\u00a0 In addition to travel insurance and short-term international health insurance, you may also want to consider expat health insurance and &#8230;<\/p>\n","protected":false},"author":63,"featured_media":13322,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217,208],"tags":[],"class_list":["post-13320","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance for Visitors: Protecting Your Health Abroad<\/title>\n<meta name=\"description\" content=\"Medical emergencies can occur to you while abroad. Learn how to protect your health and wallet with insurance for visitors.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/travel-insurance-for-visitors-protecting-your-health-abroad.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance for Visitors: Protecting Your Health Abroad\" \/>\n<meta property=\"og:description\" content=\"Medical emergencies can occur to you while abroad. 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He writes articles and blog posts, creates infographics and videos, translates between Chinese and English, and more. Skilled at explaining complicated concepts in layman\u2019s terms, Martin believes the gold standard of translation is attained when the translated text is not only accurate, but also reads like an original text. Martin holds a degree in Economics from the University of London, UK. Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people\u2019s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford. 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