Are Travel Insurance and Health Insurance the Same?

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

Many people believe that travel insurance and health insurance are one in the same. However, there are some major differences between the two types of coverage.

Travel insurance is typically for those who are going on vacation or taking a business trip. Health insurance, on the other hand, is for those who have a chronic illness or condition.

What is the difference between travel insurance and health insurance?

There are a few key differences between travel insurance and health insurance. Travel insurance is typically much more comprehensive than health insurance, covering things like trip cancellation, lost baggage, and emergency medical care.

Health insurance, on the other hand, is focused primarily on providing coverage for routine care and treatment of serious illnesses and injuries.

Another difference is that travel insurance is usually purchased for a specific trip, while health insurance is an ongoing expense.

Finally, travel insurance is typically much cheaper than health insurance, since it covers a limited time period and a specific set of risks.

Also read: Best Travel Insurance for Pre Existing Conditions

Recommended Plans

✅ Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅ Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅ Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

When do you need travel insurance and health insurance?

There are many situations where you might need travel insurance and health insurance. For example, if you are going on a trip and you have a pre-existing medical condition, you will likely need to purchase travel insurance in order to be covered in case you have a medical emergency while on your trip.

Similarly, if you are traveling to a country where there is a risk of contracting a disease or getting injured, you may also want to purchase travel insurance.

In addition, if you are planning on doing any adventurous activities while on your trip, such as hiking, skiing, or whitewater rafting, you may want to purchase a policy that covers these activities in case you have an accident.

Also read: PPO Network Providers in USA – All You Need to Know

What are the benefits covered in travel insurance and not in health insurance?

Some benefits that are typically covered by travel insurance but not by health insurance include trip cancellation and interruption, lost or delayed baggage, and emergency medical and evacuation. Travel insurance may also provide coverage for missed connections, rental car collision damage, and travel delays.

Both are recommended when visiting the USA. Travel insurance will cover any unexpected costs related to travel, while health insurance will provide coverage in case of illness or injury.

Also read: Best Health Insurance Companies for Expats

Pros and Cons of Travel and Health Insurance

Some pros of travel insurance are that it can cover unexpected costs such as medical emergencies, lost luggage, and cancellations. It can also give you peace of mind knowing that you are covered in case something goes wrong.

Some cons of travel insurance are that it can be expensive, and it may not cover everything that could go wrong on your trip.

When it comes to health insurance, there are many pros and cons.

Some pros include that it can help pay for medical expenses, give you peace of mind, and provide you with access to better care.

Some cons include that it can be expensive, you may have to pay deductibles, and it may not cover everything.

Also read: IMG Insurance Review: Plans, Cost & Benefits (The Truth)