Group Travel International Medicare Insurance

Welcome to Proinsurance Hawaii, your trusted partner for travel medical insurance international solutions. Going overseas for a trip is always exciting, but it’s essential that you safeguard your health during your travels.

With our support and expert guidance, you can explore your travel medical insurance international options with peace of mind. We want you to enjoy your international travels knowing you’re covered for any medical emergencies that could arise.

Does My Health Insurance Cover International Travel?

If you already have health insurance, you might wonder whether it covers international travel. This is a common question among travelers!
Standard health insurance policies typically do not provide coverage outside of your home country, which is where travel medical insurance comes into play. At Proinsurance Hawaii, our comprehensive plans are designed to fill in the gaps in your policy, which ensures you’ll receive the essential medical care you need, no matter where your adventures take you!

What Is Travel Medical Insurance?

Travel medical insurance is a specialized type of insurance policy designed to provide coverage for medical expenses you might incur when you travel to other countries.
Typical health insurance policies don’t provide coverage for medical care outside of your home country. In contrast, travel medical insurance is specifically tailored to cover health risks and challenges you may experience while in a foreign country.

How Does Travel Medical Insurance Work?

When purchasing travel medical insurance, you’re purchasing a safety net for any unforeseen medical emergencies that could occur during your trip.

Start by Selecting a Plan

Before your trip, you’ll choose a travel medical insurance plan that suits your needs. At Proinsurance Hawaii, we help you select the right coverage amount, duration, and any additional benefits.

Pay the Premium

The premium you pay for the policy will depend on the extent of your coverage and how long you’ll need the travel medical insurance plan.

Seek Medical Care

If you get injured or ill while traveling, you can seek medical care using your travel medical insurance policy. Depending on the policy you choose, you may have to contact the insurance provider ahead of time to find a healthcare provider in your network.

File a Claim

After receiving care, we’ll help you file a claim with the insurance company. You’ll need to send us all the details and receipts for the medical services you received.

Reimbursement or Direct Payment

Depending on the specifics of your policy, the insurance company will either pay the healthcare provider directly or reimburse you for expenses.

Why Is Travel International Health Insurance Important?

Overseas travel medical insurance is important for a variety of reasons:

  • Financial Protection: Medical care in foreign countries can be expensive, so travel medical insurance protects you from incurring unreasonably high out-of-pocket expenses while traveling
  • Access to Quality Healthcare: Our travel medical insurance policies include a global network of leading healthcare providers, which ensures that no matter where you go, you’ll have access to quality medical care
  • Peace of Mind: Knowing you’re covered for medical emergencies provides peace of mind during your travels so you can focus on seeing the world
  • Compliance with Regulations: Some countries require that you have travel medical insurance before allowing entry, so we’ll help you find a policy to comply with these regulations
Travel medical insurance policies also offer various additional benefits, such as coverage for trip cancellations. We’ll help you sort through the various plans available so you can pick one that suits your needs.

How to Choose the Right Travel Medical Insurance International Policy

Selecting the right policy is critical for ensuring you have the coverage you need during your trip. At Proinsurance Hawaii, we make selecting health travel insurance international policies a no-brainer. Here is a helpful guide with some points to consider when selecting travel medical insurance.

Assess Your Needs


Start by considering these factors:
1. The nature of your trip
2. our destination
3. Any specific health concerns you may have

For example, suppose that you’re traveling to engage in adventure sports. It’s wise to ensure that your policy will cover you for a related potential injury.

Understand the Coverage


Read the policy details to understand what is covered. Look for policies regarding:
Doctor visits
Prescription medications
Emergency evacuation

At Proinsurance Hawaii, we’ll help you with this step so that you have everything you need. We’ll walk you through your options and make recommendations for overseas travel medical insurance based on the information you provide regarding your international travels.

Pay Attention to Exclusions


As you understand what’s covered, you should also pay attention to what isn’t covered. Some policies exclude certain activities, pre-existing conditions, and specific types of care.
We’ll walk you through policy coverage and exclusions so that you know exactly what you’re purchasing and can rest assured that you’re getting adequate coverage.

Determine the Coverage Amount

The next step is to select a coverage amount that adequately meets your needs. This can be complicated since medical costs are quite high in certain countries. We’ll have a full conversation about where you’re going and what needs you anticipate, then help you decide the appropriate amount that will allow you to rest easy in the event you become ill or injured.

Review the Deductible

The deductible is the amount you need to pay before coverage kicks in. In this sense, international travel medical insurance is the same as regular health insurance; if you have a lower deductible, you’ll generally have a higher premium, and vice versa. What you choose to move forward with will depend on your budget and unique preferences.

Consider Additional Benefits

It’s also important to consider any additional benefits you may need, like travel delay coverage or trip cancellation coverage.

Verify the Provider Network

Before setting you up with a travel international medical insurance plan, we’ll make sure there are in-network providers in the country you’re visiting. This will ensure that you have easier access to quality care.

Check for Direct Payment

Different policies offer different payment options, such as direct payment to healthcare providers (which is convenient during emergencies) or claims and reimbursements.

Comply with Destination Requirements

We’ll also check the destination requirements of the country you’re visiting to make sure the policy we set you up with complies with its regulations.

The Proinsurance Hawaii Advantage

Making sure you have the right medical insurance for international travel can be overwhelming, but that’s why we’re here to help! Our commitment to excellence combined with our customer-centric approach means we offer comprehensive coverage options to each one of our clients.
As a full-service insurance company, we’ve dedicated plenty of time and expertise to understanding the nuances of international travel so that the health and well-being of our clients are never compromised.

Tailored Solutions for Groups and Individuals

Whether you’re flying solo, on vacation with your family, or traveling with a corporate group, our travel medical insurance international plans can be tailored to fit your specific needs.

We offer both special group rates and family packages, ensuring everyone in your group can travel with peace of mind.

A Global Network of Healthcare Providers

Our extensive global network of healthcare providers will ensure that you have access to quality medical care no matter where you are. With health travel insurance international plans from Proinsurance Hawaii, you can explore the world knowing that help is just a phone call away.

Stay Informed with Travel Alerts

Through our travel alerts and advisory services, we keep you informed about health risks, unstable political situations, or other factors that could affect your travel plans, helping you stay safe throughout your journey.

Travel International Health Insurance with Proinsurance Hawaii

If you’re preparing for an international adventure, don’t let unexpected accidents or emergencies derail your plans. With travel medical insurance international plans from Proinsurance Hawaii, you can focus on creating memories and exploring the world.
Get in touch with our team of expert insurance advisors today to discuss your travel insurance needs. Request a quote and let our team help you design the perfect insurance package for your journey.