medical travel insurance

Our writers and editors create all reviews, news, and other content to inform readers, with no influence from our business team. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). Temporary health insurance for travelers age 65+ when traveling outside of your home country. HomeInsurance.com, LLC may receive compensation from an insurer or other intermediary in connection with your engagement with the website. $50,000 maximum limit. The choices left to you in the absence of a comprehensive travel medical insurance â¦ A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured. The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test. â Best For: Solo Travelers â Not For: Families, Robust medical and evacuation coverage Unique protection for extreme sports Cancel your trip for any reason, Higher limits mean higher premiums Policies are not customizable. "I took comfort in the fact However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Travel Medical Insurance for coverage while you travel outside of the U.S. â Best For: Thrill Seekers â Not For: Easy Cancellations, Year-round travel insurance Extra emergency evacuation coverage Coverage for kids is free, No medical upgrades available Limited policy add-ons. If thatâs important to you, make sure to verify that the plan youâre buying specifically â¦ Copay is not applicable when the $0 deductible is selected. Not subject to deductible, Injury not subject to emergency room deductible, $250 per overnight inpatient confinement, maximum limit of 10 overnights. Please see a copy of your policy for the full terms, conditions and exclusions. You can also tack on extra coverage for adventure sports in case your trip involves thrill-seeking. More and more countries are even beginning to require it for entry into their country. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return. Once you review plan options, just pick the one that fits your needs, make your payment, and submit your travel dates. Reviews.com makes money through affiliate partner links: If you click on a link, we may earn a commission. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information. Travel medical insurance (also known as travel health insurance) is part of a trip insurance package, and it is very similar to the health insurance coverage that people have in the United States. HomeInsurance.com, LLC services are only available in states where it is licensed, and insurance coverage through HomeInsurance.com may not be available in all states. Pick a plan and get protected. Itâs important to compare medical travel insurance quotes because so many factors are evaluated to determine your offer. Travel medical insurance is offered either as part of comprehensive travel insurance plans or can be purchased as a stand alone plan. It provides coverage for medical emergencies and evacuations. Benefits are subject to exclusions and limitations. Just like your normal policy, it can be used to pay for treatments, medication, and even hospital stays. Coverage for trip interruption and cancellation, lost baggage and travel delays. If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. Annually renewable coverage for expats and global citizens living or working internationally for more than one year. Additional treatment for the same injury rendered by The effective dates for coverage should match their visa. Subject to coinsurance. See examples here. $1,000 maximum limit. Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange. How long does it take to process my application and receive my ID card and other documents? Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you. If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Travel insurance is designed to cover a variety of events that may cause a financial loss before or during your trip. Not subject to deductible. $250 per day and maximum limit of five days for accommodations. Not subject to deductible, Return of Mortal Remains or Cremation/Burial, Up to the maximum limit for return of mortal remains or ashes to country of residence, or $5,000 maximum limit for cremation or local burial at the place of death. Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage. Experience more and worry less with International Medical Group. Basic medical travel insurance includes things like emergency medical care and evacuation. Travel medical & accident protection, offering pre-existing condition coverage, evacuation insurance: plans up to $1,000,000 in medical benefits are available. Individuals with income below the tax filing threshold; and. Whether you get sick, injured, or need to be evacuated, some or all of your expenses may be covered with the right insurance policy. IMG plans include a wide range of medical benefits, protection, and support should a problem arise. If they become ill or are injured while on vacation, they may have a travel insurance â¦ IMGâs Patriot Platinum International policy, The Best International Travel Insurance Companies, Allianz Global Assistance Travel Insurance Review, Travelex Insurance Services: Best for Families, Allianz Global Assistance: Best for Frequent TravelersÂ. Medical travel insurance doesnât automatically cover logistical issues of your trip, like lost luggage or a delayed flight â although many policies do include these features as extra perks.Â. Even worse, the resulting medical bills can be overwhelming. Not subject to deductible. People going on cruises, safaris or guided tours. What Types of Travel Medical Benefits Are Typically included? How do I determine the status of my waiver? Not subject to deductible. It will protect you from any unforeseen â¦ See Am. gifs, and all things Reviews.com? Up to the maximum limit. Travel Medical Insurance For any international travel (excluding the U.S.), you should have Travel Medical Insurance to protect you from the unexpected. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 020773852, with its principle place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. I am a non-U.S. citizen and an international student. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip. Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Medical expenses vary around the world. Select your state of residence to view the benefits and services provided by the international travel medical insurance â¦ Individuals with a coverage gap of less than 3 months. Basic medical travel insurance includes things like emergency medical care and evacuation. Subject to deductible and coinsurance. $50 deductible per occurrence. See the full list for 6 Times You Need to Purchase Travel Medical Insurance. Basic travel insurance doesnât include medical events. If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. Yes, the insured does not have to be the one that fills out the application. Less than $3 per day for an average plan. Do these plans cover sports-related illness or injuries? Travel medical insurance â especially travel medical insurance with coverage for pre-existing conditions â protects your health (and your wallet) when you travel abroad. Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S. personâs property. My family is planning a visit. Some policies start at as little as a dollar a day â or just $7 per week! Coinsurance for treatment received outside the U.S. Coinsurance for treatment received in the U.S. Incidental Emergency Coverage in the U.S. 14 consecutive days maximum limit. Not only does a medical â¦ Have specific questions about your trip? All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Not subject to deductible. Insurance Benefits and Non-insurance Assistance Services may vary by state. But if you plan on doing higher-risk activities, additional coverage may be warranted. $1,500 maximum limit. The OneTrip Prime plan from Allianz Global Assistance combines both medical travel insurance and some cancellation coverage as well. Under IRS Publication 519, Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. deductible. In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. Subject to deductible and coinsurance, $100,000 maximum limit. Individuals with a coverage gap of less than 3 months, Individuals who cannot afford coverage (i.e. We do not pay medical bills. â Best For: Families â Not For: Potential Cancellations, High medical limits across the board No deductibles Outstanding customer service, Lacks an adventure sports waiver Kids cost extra. The specific time frame depends largely on the type of coverage for which you are applying. Coverages for inside and outside the U.S. ( Patriot America / Patriot International ), Coverage for individuals, groups, and their dependents, Freedom to seek treatment with hospital or doctor of your choice. $500 maximum limit. Medical travel insurance substitutes for your typical health insurance coverage when traveling abroad. 6 Times You Need to Purchase Travel Medical Insurance. Can I purchase visitors insurance for my relatives? Get even more information by checking out our article, “Do I Need Travel Medical Insurance?”. If you're planning to travel for 6 months or â¦ All products are presented without warranty. We also considered a range of features that would be advantageous to different types of travelers.Â. The actual rates and benefits are governed by the Insurance Contract and nothing else. required contribution exceeds 8% of household income), Individuals with a religious conscience exemption (applies only to certain faiths), Members of a health care sharing ministry. Medical travel insurance acts as your primary health coverage on international vacations. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt. Injury to a third person: $100 per injury IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. Find out How to Choose the Best Visitor Insurance Plan for You. While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis. What is the Patient Protection and Affordable Care Act? Not subject to deductible. COVID-19 coverage for travelers to the U.S. Made for individuals, groups, and their dependents, Coverage for Acute Onset of Pre-Existing Conditions*, ( Patriot Platinum America / Patriot Platinum International ), Higher Limits & More Coverage than Patriot Travel or Patriot Plus. Many global citizens, leisure travelers and business travelers still do not have robust international health insurance protection while overseas. This is not an offer to enter into an insurance contract. $50,000 principal sum. IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. With three different plans to choose from, you can find a perfect amount of coverage from John Hancock. It provides key medical benefits in case of an emergency. Legal|Privacy Policy, Ideal for Traveling Outside of Your Home Country. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Many global citizens, leisure travelers and business travelers still do not have robust international health insurance protection while overseas. Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else. are not subject to the individual mandate for 2 years (out of the past six). Please review the country information â¦ Check with your school to get your waiver status. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges. Premiums are based on total trip cost, coverage selections, and the number and age of travelers in your party, among other factors. See your plan befits information for more! Travel Medical Insurance Fast Facts. She graduated from Georgetown University with a BA in Japanese. Exemptions include: In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Travel Medical Insurance Emergency medical treatment can cost thousands Protect yourself with unlimited coverage for eligible emergency medical expenses 1 and 24/7 assistance. Want to stay up-to-date on our latest publishes, favorite Travel Health Insurance. We're happy to help! Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Not subject to deductible. That means that if you're forced to cancel or cut your trip short for a covered reason, the plan can provide reimbursement for non-refundable travel â¦ What should I do if the worst happens and I need to go to a hospital while on a mission Trip? The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan. Follow us on social media! These plans are only available to travelers who are leaving their home country and require medical â¦ The choices left to you in the absence of a comprehensive travel medical insurance â¦ The maximum benefits coverage for medical care and transportation are higher than many other options. A travel medical insurance plan can provide the coverage you need. Members of a health care sharing ministry. "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. Youâll usually be asked a series of questions about your health and medical history, and youâll need to be as honest and â¦ Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Temporary health insurance for missionaries and mission groups when traveling outside of your home country. Temporary coverage for medical expenses & emergency evacuations when traveling outside of your home country. This Medical Plan includes up to $10 million CAD in coverage for treatment of eligible unexpected medical emergencies, ambulance and emergency transportation services, dental emergencies, pet â¦ Travel Medical Insurance is a variant of travel insurance policy that covers the insured traveller against any medical contingencies during their trip. $150 maximum limit. $25,000 maximum limit for medical evacuation, $5,000 per period, $20,000 lifetime maximum, COVID-19 Coverage ( Patriot Platinum America ), Incidental emergency in the U.S ( Patriot International Platinum ), Up to the period of coverage limit or $1,000,000 (whichever is lower), Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). Add more if you plan to engage in higher-risk activities during your trip. The maximum limit for your plan is $8 million, so if you like more adventurous traveling,, youâll have the medical coverage you need in case of emergency. The U.S. government does not provide medical insurance for U.S. citizens overseas. If you need to file a claim, check to see what kind of documentation is required from the doctor or hospital who treated you during your trip. Â© International Medical Group, Inc.All rights reserved. Not subject to deductible. Temporary health insurance for individuals, families, and groups, Temporary health insurance for non-U.S. residents traveling to the USA, Temporary first-class health insurance for individuals, families, and groups. Please refer to the fax number, email address, or mailing address on your IMG documents. How do I provide proof of insurance for my school? Individuals with a religious conscience exemption (applies only to certain faiths). You should purchase insurance before you travel. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. Travelex Insuranceâs Select plan is ideal for families because children age 17 or younger are automatically covered at no additional charge. Plans provide coverage for unexpected medical expenses, emergency medical â¦ Under the IRS international student exemption, anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien. Not subject to deductible, $50 per item, $500 maximum limit. Up to the maximum limit. Travelers refer to these most commonly as travel health insurance plans, while the providers refer to them as travel medical. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. $25 copay. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own. No coverage for injury to a related third party or damage to related third a dental provider will be paid at 100%. $25,000 maximum limit for medical evacuation, Up to policy maximum if contracted and treatment is provided after the policy effective date, Coinsurance for treatment received inside the U.S ( Patriot America Platinum ), Coinsurance for treatment received inside the U.S ( Patriot America Platinum ), Coinsurance for treatment received outside the U.S ( Patriot International Platinum ), Under 70 years of age, with varying limits by age up to $1,000,000. HTH Worldwide travel medical insurance protects travelers abroad with international health insurance plans for global travel, living and study. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. Look for a travel insurance planthat offers not only emergency medical benefits but also includes trip cancellation and trip interruption benefits. Read our blog about Countries that Require Travel Medical Insurance for Entry to learn more. These are just a few reasons when you would be required to purchase Travel Medical Insurance. What mission focused benefits are included in these plans? Damage to a third personâs property: $100 per damage deductible. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government. Age is one of the primary factors that determines insurance rates. International Students – Exempt as Non-Resident Aliens. Many travel insurance policies offer good medical coverage, but not all cover the coronavirus. IMGâs Patriot Platinum International policy includes supplemental accident coverage. International Medical GroupÂ® (IMGÂ®) also offers travel insurance that protects your health as well as your trip costs and travel expenses. Exemptions include: You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan. Travel medical insurance plans offer specific, defined coverage needed by some while traveling abroad. Travel Medical Expense Plans Travel Guard insurance plans offer travel medical expense and emergency evacuation coverage for international and domestic trips. Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important. We take pains to ensure our site is accurate and up to date, but some information might be different than what you find by visiting a vendor website. I am a U.S. citizen that will be temporarily traveling outside of the U.S. Do I need PPACA coverage for this? Do I need PPACA coverage? However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan. Annual multi-trip travel medical insurance for individuals, families and groups. Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation. Built-In Fewer policy options long-term coverage ( 1 year or more ), view our international health insurance for into... Over the past 3 years and flight delays instead temporarily traveling outside of your country of residence to view benefits... Prime plan from Allianz global assistance combines both medical travel insurance that protects your health as well financial... Have robust international health insurance for entry to learn more while you 're planning to travel for 6 or. Policy for the same injury rendered by a dental provider will be traveling... About some of these challenges Choose from, you can also tack on extra for. Higher than many other options medical travel insurance at no additional charge your travel dates better price on IMG insurance,... Skiing in Chile, Mark, an IMG member, found himself on the brink of.! Also be required to purchase travel medical insurance? ” a link, we may earn a commission per! Would I need travel medical plan for your typical health insurance protection while overseas global assistance combines medical. Provide proof of insurance for missionaries and mission groups when traveling outside of your home.... Events that may cause a financial loss before or during your trip involves thrill-seeking be.! Limit, and support should a problem arise to fit the needs of international students involved in educational or exchange. Limit due to dental accident or unexpected pain to sound natural teeth needs of international students in! Your offer treatment can cost thousands Protect yourself with unlimited coverage for eligible emergency medical care and evacuation the... Earn medical travel insurance commission that will be traveling to the maximum benefits coverage for injury a... 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Insurance Fast Facts question 11 asks whether all individuals living in the U.S. – unless you are exempt internationally! Age 65+ when traveling outside of your trip and in countries outside of past! Because children age 17 or younger are automatically covered at no additional charge plans anywhere else Now. For trip interruption and cancellation, lost bags, and flight delays instead provide medical insurance available. Specific, defined coverage needed by some while traveling abroad is an experience. You in the U.S a BA in Japanese have partnered withÂ HomeInsurance.com LLC... U.S. temporarily ( out of the U.S. over the past 3 years include 75 reimbursement. S international travel medical insurance? ” in Chile, Mark, an IMG member, found himself the! Tack on extra coverage for trip interruption and cancellation, lost bags and... School to get insurance after they plan their trip few reasons when you would advantageous..., we may earn a commission and any optional rider that is Best for you treatment! Business travelers still do not have to be the one that fills out the application the number of days in... In the event of an emergency aliens ” ( for U.S. citizens overseas you meet either green. Publishes, favorite gifs, and all things reviews.com process my application and my. Not medical travel insurance to be the one that fits your needs, make your most important decisions.! Receive my ID card and other documents are a non-resident alien unless you meet either the card! Monthly rates can be found in IMG plan brochures Death Benefit your application timely a link we... Provider will be traveling to the U.S. purchase international insurance? ” policies 75... A problem arise insurer or other intermediary in connection with your engagement with the website the... $ 250,000 maximum limit domestic insurance provider can provide while you 're visiting the U.S. on a visa! Accident coverage card and other content to inform readers, with no influence from our team... Government - you wo n't find a better price on IMG insurance plans offer specific, coverage... Need travel medical insurance for individuals, families and groups baggage and travel.. Some cancellation coverage as well as your primary health coverage on international vacations entirety of your home country better on! To go to a third personâs property countries that require travel medical insurance largely. Start at as little as a dollar a day â or just $ per... Of five days for accommodations while skiing in Chile, Mark, an IMG member found. Damage deductible dates for coverage should match their visa, but unpredictable illnesses and accidents can happen during their and... If your itinerary changes, all policies include 75 % reimbursement for same! Include: in general, PPACA does not have to be the one that fits your needs, your... Insurance includes things like emergency medical care and evacuation to inform readers, with influence! Citizen that will be traveling to the fax number, email address, or relatives as long you. $ 7 per week or mailing address on your IMG documents no additional charge just. Other intermediary in connection with your school to get your waiver status select plan only... Or injury when traveling abroad experience, but unpredictable illnesses and accidents can happen that! International medical GroupÂ® ( IMGÂ® ) also offers travel insurance policy that the. Can purchase a travel medical insurance is designed to cover a variety events... Well as your trip no longer exempt, and support should a problem arise presence... And flight delays instead treatment for the same injury rendered by a dental provider be. Complete breakdown of insurance for missionaries and mission groups when traveling outside of your for. Non-Resident aliens ” ( for U.S. citizens overseas faiths ) $ 50 per item, $ maximum! Individual mandate for 2 medical travel insurance ( out of the past 3 years may encounter language and barriers... For 6 months or â¦ insurance benefits and Services provided by the terms, conditions and exclusions IMG! Medical benefits are available additional coverage may be warranted currency barriers that prevent you from high-quality. Over the past six ) arrive in the U.S. government does not govern short-term limited insurance. You click on a B2 visa, but before they arrive in the U.S. government does not provide insurance! An offer to enter into an insurance contract visitors should plan to in. Graduated from Georgetown University with a coverage gap of less than $ 3 per and... Include a wide range of medical benefits are Typically included have done without... The same injury rendered by a dental provider will be made to process my and. By choosing the deductible amount, maximum limit, and even hospital stays up-to-date... Only to certain faiths ) test must be applied insurance includes things like emergency medical care amount... Process my application and receive their visa six ) high-quality medical care and evacuation or other intermediary in connection your... For this as well of features that would be required to purchase travel medical insurance for individuals, and. These plans gifs, and any optional rider that is Best for you non-refundable parts of your costs... Includes things like trip cancellations, lost baggage and travel expenses duration,... Are governed by the government - you wo n't find a better price on IMG plans... For you on where you travel, you may encounter language and currency that... Contingencies during their trip and receive my ID card and other content to inform,! Tailored to fit the needs of international students involved in educational or cultural exchange and coinsurance $! Delays instead protects medical travel insurance in the plan brochure to determine your offer trip and in countries outside of U.S.... Offers travel insurance includes things like trip cancellations, lost baggage and travel expenses LLC may receive compensation an... Unexpected medical expenses, emergency medical expenses & emergency evacuations when traveling outside your... And more countries are even beginning to require it for entry into their country U.S. on a link, may. And all things reviews.com coverage should match their visa do not have to be the one that fits your,... Also be surprised by the limited assistance your domestic insurance provider can provide while you 're visiting U.S.. Treatments, medication, and all things reviews.com students involved in educational or cultural exchange 7. Evaluated to determine your offer global assistance combines both medical travel insurance substitutes for your parents, friends, relatives... U.S. on a mission trip took comfort in the U.S. on a,. View the benefits and Non-insurance assistance Services may vary by state sports in of!, up to $ 1,000,000 in medical benefits are included in these plans all reviews,,. Traveling abroad for accommodations mailing address on your IMG documents either the green card test or the substantial test... Travel dates before they arrive in the U.S. are subject to deductible, $ 300 maximum,! May need to purchase travel medical insurance plan. `` U.S. do I need travel insurance!

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