Medical Insurance for Israel: What Travelers Need to Know

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

So, you’ve booked your tickets to Israel – that’s fantastic!

Now, let’s play a game of ‘What could go wrong?’. You’re probably thinking, “Why ruin the excitement?”

But, hear me out. A lost bag here, a cancelled flight there, or maybe an unexpected visit to the local hospital; these things can happen.

And it’s best to be prepared with a solid travel insurance plan to save your dream vacation from turning into a financial nightmare.

So, put your explorer hat on, and let’s navigate the not-so-complicated world of travel insurance for your Israel trip.

Why You’d Rather Not Gamble On Your Israel Trip

Israel, a land bursting with history, culture, and heavenly hummus, has plenty in store for American tourists.

But let’s face it, unexpected things can happen anywhere, even in the Holy Land. Lost luggage, a nasty sunburn, a fall while hiking Masada; life happens, and travel insurance is your safety net. In some instances, it might even be a requirement for your visa.

Don’t skimp on it!

Travel insurance, although often overlooked, is a crucial component of international travel, and this holds true for those traveling to Israel.

Regardless of whether you are embarking on a spiritual pilgrimage, exploring the historic landmarks, or immersing yourself in the vibrant culture and nightlife, having comprehensive travel insurance coverage ensures peace of mind and financial protection against unexpected events.

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.

Decoding the Travel Insurance Jargon

Now, let’s break down the travel insurance lexicon. Coverage can vary more than the Dead Sea’s salt concentration, so here’s what you want to look for:

  1. Medical Expenses:
    This covers any impromptu dance-offs with local illnesses or injuries, including hospital stays, prescriptions, and even a potential dentist visit. Some policies also cover mental health care and pre-existing conditions.
  2. Trip Cancellation or Interruption:
    If something major comes up, like a sudden illness or a Godzilla attack back home (just kidding on the latter), this is your get-out-of-jail-free card. You’ll get reimbursed for any pre-paid, non-refundable trip costs.
  3. Baggage and Personal Belongings:
    Lost luggage? Theft? Accidental falafel stains? Okay, maybe not the last one, but this coverage will compensate you for lost or damaged personal items.
  4. Emergency Evacuation:
    For serious medical emergencies that require an immediate flight back to the States, this is a life-saver (quite literally!).
  5. Travel Delay:
    When your journey is delayed for a specified number of hours, this coverage pays for additional expenses like hotels and meals. It’s the silver lining to any cloud of delay.

Mastering the Israeli Healthcare Maze

As for healthcare in Israel, here are some tips:

  1. Accessibility: Israel’s healthcare system is top-notch, boasting advanced facilities and mostly English-speaking staff. So, no charades game necessary to explain your symptoms!
  2. Cost: Israeli healthcare costs less than a night out in NYC, but it can still add up. Ensure your travel insurance policy has comprehensive medical coverage.
  3. Prescriptions: Need a refill? Israeli pharmacies, or “beit merkachat,” have you covered. Just bring your prescription along.

Choosing the Perfect Travel Insurance: It’s Not Rocket Science

When it comes to picking your travel insurance policy:

Understand Your Needs:
Are you more of a ‘lie-on-the-beach’ person, or are you planning to go camel racing? Your activities matter when choosing the level of coverage you need. Also, consider your overall health status and the cost of your trip.

Read the Fine Print:
This isn’t a T&C agreement on a software update, folks! Be sure you understand what’s covered, what’s not, and how to make a claim.

Check the Coverage Limit:
Don’t skimp on coverage limits, particularly for medical expenses and emergency evacuation. You’re traveling halfway across the globe, not to the grocery store!

24/7 Assistance:
Choose a provider that’s got your back, no matter the hour. Round-the-clock assistance can be a godsend in a crisis.

FAQs: Answers To Your Burning Questions

Q: Does every travel insurance policy cover pre-existing conditions?

A: Not always. Policies differ. Some might cover pre-existing conditions, while others won’t. So, if you have a chronic illness or condition, make sure to choose a policy that does.

Q: What should I do if I lose my luggage?

A: First, report it to the airline. They might be able to help. If not, contact your travel insurance provider as soon as possible to file a claim.

Q: What if I have a medical emergency?

A: Seek immediate medical attention, and then contact your insurance provider at the earliest opportunity. They can guide you through the claim process.

Q: Can I cancel my travel insurance if I cancel my trip?

A: Many providers offer a “free look” period, usually 10-15 days from purchasing the policy, during which you can cancel for a full refund. If you’re outside of this period, you might be able to receive a pro-rated refund, depending on your provider’s terms.

Travel insurance isn’t just a box to check off your travel to-do list. It’s your shield against the unexpected, your lifeline when you’re far from home, and your peace of mind as you explore the wonders of Israel. Choose wisely, travel safely, and remember, no falafel stains are covered!

Also read: Travel Insurance for Israel