Comprehensive travel insurance is a one-stop-shop of sorts. Many policies cover everything from trip cancellations to hurricanes. They also cover medical emergencies and evacuation from a country in the event of medical need. 

These types of plans are great for foreign travel, travel to remote areas and expensive vacations, like upscale cruises. However, you need to read the fine print to see just what is covered and what isn’t when choosing an all-inclusive option. Don’t skip that step.  

Travel-Related Medical Insurance

The second option to consider is travel-related medical insurance without the extra add-ons offered with total trip insurance. If you don’t want a package plan, this is your way to cover medical expenses. Medical insurance is important if you’re leaving the country. After all, you don’t want to rack up medical bills in a foreign country if your regular insurance doesn’t cover foreign travel.

When it comes to travel-related medical insurance, it’s important to read between the lines. Experts say to choose a policy that specifically covers emergency medical evacuation. If you’re going on an action-packed adventure, experts say to double check to make sure that adventure travel is covered under the policy you choose. 

It’s also essential to clarify that there is a 24-hour number that you can call in your native language in the case of an emergency. If you’ve had an accident in the middle of the night, someone needs to be available to receive your call for help -- and you want to be able to understand them. 

Further, investigate whether or not the plan that you choose covers the cost of bringing your body home in the event of death. As terrifying as this sounds, it saves your family transportation expenses if death occurs.