What Is Supplementary Travel Medical Insurance?

Supplementary travel medical insurance is a type of special insurance policy used to cover expenses that are not covered by your standard medical insurance plan.

Just imagine the number of medical insurance plans that are available in this country. Imagine that each one of these plans might cover some health emergencies, but might not cover others. Then consider all the different emergencies that might happen when you travel, and how likely certain standard medical insurance packages might not cover these emergencies.

What Does Travel Medical Insurance Cover?

So what is supplementary travel medical insurance? Supplementary travel medical insurance was created to cover medical emergencies not covered in your health insurance plan. Ask yourself whether you know which of the following situations your everyday medical coverage covers?

  • Does your health insurance plan cover medical emergencies in a foreign country?
  • Does your health insurance plan cover medical emergencies in international waters during a pleasure cruise?
  • Does your health insurance plan cover minor medical expenses which happen during travel?
  • Does your health insurance plan cover major medical emergencies which happen during travel?

If you answered “no” to any of these questions and you may face this situation, then supplementary travel medical insurance plans were designed with you in mind.

Do I Need Travel Insurance?

People reading this article are the lucky (or smart) ones. Most people about to go on a vacation never ask themselves, “What is supplementary travel medical insurance.” In fact, many people have never heard about the concept of special medical travel insurance. You have, and it made you curious. So when you travel again, you can take the steps to getting full medical coverage for any emergency that might happen during travel.


Keep in mind that you can also get travel insurance for the less painful and tragic expenses in travel. Travel insurance pays expenses caused by lost or delayed baggage or the cancellation of flights and cruises due to storms or bankruptcy. You can even get insurance coverage for accidental death during your flight or vacation.

In fact, you can find supplementary travel medical insurance that covers all these things. It’s going to be a little more expensive, but travel medical insurance gives travelers the peace of mind that they don’t have to worry about what happens if you lose your property, you miss a flight, you have a medical emergency or you die (and leave expenses to your family). In other words, once you have travel medical insurance, you can get on the business of travel and vacationing. You can get on with living.

The next time you plan to travel, contact your regular insurance providers and ask them for a detailed explanation about which eventualities are covered by their insurance plan. If you learn you aren’t fully covered, find a supplementary travel medical insurance provider which will fill in the gaps in your medical coverage. You can find medical travel insurance that also covers travel insurance, too. So there’s no reason you shouldn’t have full medical emergency insurance the next time you travel.

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