For many people, the desire to travel peaks when summer comes. Whether you are heading off for a short vacation or travel longer term for a break, you need to make preparations for unexpected medical events. Many people are confused the difference between travel insurance and international health insurance. In this article, we will provide detailed introduction about travel insurance and international health insurance, the difference between them, and some suggestions before traveling overseas.

What is Travel Insurance? 

Travel insurance is designed to prevent you from losses in many circumstances within a certain period of time. Common travel related issues are:

  • Emergency Medical Treatment
  • Loss of Luggage
  • Loss of Personal Belongings
  • Medical Evacuation

You can choose a customized plan for yourself and your family.

Do You Need Travel Insurance?

Travel insurance can provide you with temporary protection while you are overseas. If you are traveling with young children and valuable luggage, planning to explore adventurous activities, or visiting a place where kidnapping risks and attacks are high, you want to make sure that you are covered by travel insurance. It is quite likely that your domestic health plan will not cover you when traveling abroad and medical claims can easily run into the many hundreds of thousands. For trips under one year, travel medical insurance is your best option.

Travel Insurance China can offer travel medical insurance to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. Please download IMG Patiot brochurecontact us to obtain a quote online.

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What is International Health Insurance? 

International health insurance is designed for those living or working overseas for a longer period of time. Unlike travel insurance that generally only covers emergency healthcare, international health insurance will not only cover routine medical care but also allow expats to receive medical treatment anywhere with their region of cover. An international health insurance plan usually includes:

  • Full hospital coverage
  • Extensive cancer coverage
  • Routine check-ups
  • Cover for chronic conditions
  • Medical Evacuation & Repatriation

Besides, in addition to the core plan, you and your family have more options to choose: out-patient treatment, parent and baby care, dental & vision care, emergency evacuation & repatriation, etc. Having the correct plan in place, will give you peace of mind that the medical needs of you and your family will be taken care of.

Do You Need International Health Insurance? 

If you are planning to relocate overseas, or the standard of your destination’s medical facilities is not as expected, you will need to obtain a tailored comprehensive international health insurance coverage. Besides, medical treatment in many countries around the world are expensive. Without an international health insurance plan, you might incur very expensive medical costs.

Travel Insurance China can offer global medical insurance to Chinese citizens who live abroad for more than 6 months per year. Through our owner, TFG Global Insurance Solutions Ltd., we can offer a variety of excellent international health plans that can cover medical treatment around the world and even include the USA as an option. The plans that we can offer can include medical treatment back in China.

Here are several plans to choose from:

For more information, please contact us today and obtain a quote online.