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Trip Insurance vs Travel Medical Insurance

While going on a trip, most people realize the importance of purchasing travel insurance to protect themselves in case something goes wrong. However, there are terms that people hear about travel insurance: travel medical insurance, trip insurance or trip cancellation insurance, visitors insurance, and so on. For an average customer, it can be difficult to understand whether they are all different types of insurance and which one is the right type of insurance that people should purchase.

Travel insurance is primarily available in two different categories:

  • Travel Medical Insurance
  • Travel medical insurance is primarily focused on medical expenses while you are on an international trip. They are generally designed to cover any medical, conditions, or injuries that may occur after the effective date of the policy. Additionally, some of the travel medical insurance plans also cover acute onset of pre-existing conditions.

    It is also called visitors insurance, and this term is especially popular among visitors to USA.

  • Trip Insurance
  • Trip insurance is primarily focused on the prepaid non-refundable trip cost that you may lose in case you can not go on your trip due to covered reasons. In other words, the primary focus is on trip cancellation coverage. Additionally, there are some trip insurance plans also provide coverage for cancel for any reason, provided some additional conditions are met.

Depending upon what you are trying to get protected against, you can decide which one would be more suitable for you, and the following side-by side comparison can help:

Travel Medical InsuranceTrip Insurance
Trip LengthCan be purchased for any duration ranging from 5 days to 1 year, and some plans renew up to 2 or 3 years.Ideally suitable for trip up to 30 days. The price is the same for any number of days up to 30 days and some plans may allow up to 90 days or 180 days.
Trip TypeInternational trip onlyInternational or domestic trip
Medical ExpensesVarious policy maximums and deductibles available. Within the U.S., direct billing through PPO network may be available. Typically, one medical maximum with no deductible. No PPO network. Some plans may offer additional medical coverage as an optional rider.
Acute onset of pre-existing conditionsTypically, availableTypically, not available
ExtendableTypically, yesNo
Trip cancellationExcludedIncluded
Baggage DelayTypically includedTypically included
Travel DelayTypically includedTypically included
Loss of PassportTypically, not availableTypically, available
Plan EligibilityA wide variety of choices for U.S. residents and non-U.S. residentsMost plans are available only to U.S. residents
Purchase EligibilitySubject to terms and conditions of each plan, refundable before or after the effective date of the policy.Only during the free look period, such as 7 to 10 days after the purchase.
Home Country CoverageIncidental and/or end of trip home country coverage available in some plans.Not available
Rental Car DamageTypically excludedAvailable at additional price in some plans.
VariationsTypically, the same plan is available to the residents of various U.S. states.The exact plan benefits may vary state by state.

Of course, the above is a general comparison of two major types of travel medical insurance. The exact features may vary in each plan, as described in the certificate wording.

Typically, both types of travel insurance plans would provide the coverage for various travel related benefits such as trip interruption, emergency medical evacuation, repatriation of remains, loss of checked luggage, Accidental Death & Dismemberment (AD&D), and more.

We have various insurance plans available both in travel medical insurance as well as in trip insurance categories. For a given type of insurance, you can get the instant quotes from multiple products, compare them side by side, and make an instant purchase online.

However, if you find it confusing to decide which type of travel insurance is the most suitable for your specific situation, please feel free to contact us at any time, we would be glad to help you decide.

Did you know?

Prices are regulated by law.

You cannot find a lower price anywhere for the same product.

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Why purchase insurance from Insubuy®?

Same Price. Better Service.®

There are many advantages in purchasing from Insubuy® and no disadvantages.

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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

Purchase travel medical insurance that includes emergency medical evacuation.

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New immigrant to USA?

You are not eligible to enroll in Medicare for the first 5 years.

Purchase new immigrant medical insurance to bridge the gap.

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Going on a vacation?

You could lose your non-refundable trip costs if you had to cancel your trip.

Buy a trip cancellation insurance package plan and be worry-free.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

Buy J visa medical insurance to meet your requirements.

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Traveling to Europe?

Schengen countries require most non-US citizens to purchase Schengen visa insurance.

Make an instant purchase online and get instant visa letter.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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International student in the U.S.?

Most schools require international students to purchase health insurance.

Purchase international student health insurance that meets most school requirements.

Learn More