01/26/2026
What the medical part of a trip protection plan covers....
What Medical Expense Coverage Can Travel Protection Include?
Travel protection can help reduce the stress of handling health-related surprises during your trip. But does travel protection cover medical expense costs? Yes—there is coverage available for emergency health needs that may arise while traveling. Whether you're hiking through remote terrain, embarking on a cruise, or simply exploring new cities, having coverage for medical expenses means you're not alone when the unexpected occurs.
Here are some of the common medical expenses that may be covered under our robust travel protection plans, with additional detail to illustrate their importance:
Emergency medical treatment
Coverage for sudden illnesses or injuries requiring immediate care. This includes visits to urgent care, emergency rooms, or outpatient clinics when you're away from home. Whether it’s food poisoning, a broken bone, or an unexpected illness, these costs can add up—especially when you travel abroad.
Hospitalization
This includes overnight stays or extended inpatient treatment at a hospital. Accident & Sickness Medical Expense coverage can help with high costs from foreign medical systems.
Emergency dental treatment
Relief for sudden pain, infections, or accidental dental injuries such as a cracked tooth or abscess. Coverage typically includes treatment to alleviate pain and stabilize the condition—not elective dental procedures. It’s also important to note that there is a sub-limit for dental emergencies under the Accident & Sickness Medical Expense benefit.
Prescription medications
Medications prescribed due to an incident on your trip can be covered. If you’re injured or sick and a doctor prescribes antibiotics, painkillers, or any other medication, those expenses may be reimbursed as part of your travel protection plan. Keep in mind that over-the-counter medicines are not typically included.
Emergency medical evacuation coverage
If local care is insufficient, emergency medical evacuation may transport you to the nearest suitable facility, even across country borders. Travel Insured’s emergency medical evacuation benefit can help provide reimbursement while our non-insurance assistance partner can help with the evacuation coordination.
Repatriation of remains
In the tragic event of death while traveling, repatriation of remains helps ensure you or your travel companion’s body is returned to your city of primary residence or your origination point or to the place of burial in The United States of America.
