Do you need travel insurance if you have international health insurance with a medical evacuation/repatriation rider?

Discuss the different insurance options from car to health insurance.
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hershey
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Do you need travel insurance if you have international health insurance with a medical evacuation/repatriation rider?

Post by hershey » Sat, 10 Jul 2021 6:14 pm

I believe that travel insurance is important and would buy it, but I am wondering if one needs travel insurance if one already purchased a comprehensive international health insurance plan that includes outpatient, dental and medical evacuation/repatriation riders.

My understanding is if I get sick while traveling, even if I need to be evacuated to the nearest hospital by air ambulance, the international health insurance plan I describe already covers this. Adding travel insurance plan would cover not medical expenses, but thefts and lost baggage, and the costs of cancelling or rebooking flights or hotels. Unless you planned a major expensive trip, you might just decide to self insure for these, because medical costs are covered.

Is my understanding correct, or are there good reasons to generally buy travel insurance even if you have the kind of comprehensive international health insurance plan I described?

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