When comparing plans, review coverage limits, exclusions and whether pre-existing conditions are included. Some policies offer additional benefits, such as emergency evacuation or coverage for COVID-19-related expenses. Be sure to check if the policy meets any insurance requirements for your destination country.

Once you’ve selected a plan, you can often apply online and receive proof of coverage by email. It’s also a good idea to carry a physical or digital copy of your policy while traveling.

The amount of international travel health insurance coverage you need depends on your destination, trip length and the type of activities planned. For short trips to countries with robust healthcare systems, a lower coverage limit-such as $50,000 to $100,000-might suffice. However, if traveling to remote areas, countries with expensive medical care or engaging in high-risk activities like skiing or scuba diving, higher coverage limits-up to $500,000 or more-may be advisable.

Emergency medical evacuation is another factor to consider, as these services can cost upwards of $100,000. Policies with evacuation coverage typically offer limits ranging from $250,000 to $1 million.

Additionally, travelers with pre-existing conditions may need a plan that offers specific coverage for their health needs. Premiums are higher for extras such as coverage for pre-existing conditions and travel to remote locations. Evaluating the healthcare costs in your destination country can help you determine an appropriate coverage limit to reduce the risk of large out-of-pocket expenses.

International travel health insurance can offer financial protection and peace of mind, but they also come with limitations and conditions. These constraints may affect their usefulness in certain situations.

• Financial protection: Covers unexpected medical expenses abroad, which may not be covered by domestic health insurance plans.

• Emergency assistance services: Many plans offer 24/7 assistance, including help locating medical providers and arranging medical evacuations.

• Flexibility: Policies can be tailored to meet specific travel needs, whether for a single trip or multiple trips throughout the year.

• Policy exclusions: Coverage for certain activities, such as extreme sports, might require additional riders or be excluded altogether.

• Limited coverage periods: Many policies are valid for only a set number of days per trip, which could be restrictive for long-term travelers.

• Pre-existing conditions: Not all plans cover pre-existing medical conditions, and those that do may come with limitations or higher premiums.

International travel health insurance offers financial protection for unexpected medical issues while abroad, covering expenses like hospital stays, doctor visits and emergency evacuations. The right coverage depends on factors such as your destination, trip length and activities, with higher limits being useful for longer stays or high-risk travel. Some policies also address specific needs, including pre-existing conditions or trip interruptions caused by medical events. Comparing plans allows travelers to find coverage that aligns with their situation, ensuring that medical costs do not become an added burden during their travels.

• A financial advisor could help you create a financial plan to cover travel costs and other future expenses. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can have a free introductory call with your advisor matches to decide which one you feel is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.

• Choosing a low-cost place to retire can have a sizable impact on your financial security and comfort in retirement. SmartAsset’s tax friendliness calculator can help you determine where your retirement dollars will go the farthest.

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