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Travel Medical/Trip Insurance, the differences explained and why you might opt to sign up for both!

When you leave your home country, your medical insurance might not travel with you. That means once you leave, you are on your own, and even if your home medical insurance plan includes emergency medical expenses in a foreign country, they never cover medical evacuation expenses. (Medical evacuations can be anything from an ambulance ride, an airlift from a remote location, or medical transport back home after a serious injury).

Travel medical insurance is temporary medical insurance that covers you for the length of your trip. It pays for emergency medical expenses and emergency evacuations.

Other names for travel medical insurance include: International Medical Insurance, International Travel Insurance or Worldwide Medical Insurance.

When signing up for travel medical insurance be sure to include high altitude trekking in your policy.

There are many travel insurance providers to choose from and most of them offer the following:

Option A: You can buy a standalone Travel Medical Insurance policy. This would cover medical emergencies, evacuation, and assistance services.

Option B: You can buy comprehensive Trip Insurance. This covers medical emergencies as well as cancelled trips, baggage, delays etc.

The cost of Trip Insurance is surprisingly affordable and depends on:

  • The length of the trip

  • The age of the traveler

  • The medical and evacuation coverage limits

  • The cost of the entire trip (i.e. covering a $1000 cruise would cost less than a $3000 Safari or Kilimanjaro climb).

Although Local Moshi Adventures refrains from recommending specific insurance providers, we do highly recommend you cover yourself with comprehensive Trip Insurance.


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