What is the difference between Travel and Medical Insurance?
Travel insurance is usually for short periods but can be for up to 3 years and does not cover urgent or elective medical problems. It covers only accidents and emergencies. Travel insurance companies expect you to end your trip and return home for elective or urgent treatment, and some policies require return home immediately once diagnosed. For example, if you were diagnosed with cancer while on a travel policy, there might be an urgent requirement to commence treatment, but it is not life or death to get on an airplane and return home. Travel insurance is also not renewable. If you do have a serious medical problem, your coverage will end at expiry, or when you return home. ProtExPlan medical insurance covers urgent and elective medical problems like cancer, and is guaranteed renewable. If you have expatriate medical insurance, you don’t need travel insurance unless you are traveling outside your area of cover. The underlying assumption with travel cover is that you have proper medic
