Emergency Medical Coverage
Travel medical coverage pays for unexpected injuries or illnesses while abroad. It is not a substitute for routine care.
Typical Inclusions
- Physician and hospital charges for sudden illness or injury
- Prescribed medications during treatment
- Emergency dental for pain relief
- Medical evacuation to the nearest adequate facility
Common Exclusions
- Elective procedures and routine checkups
- Non emergency treatment or unstable pre existing conditions
- High risk activities unless specifically covered
Always read the policy wording. Definitions of “emergency,” “reasonable and customary,” and “necessary” matter during claims review.