Introduction
When planning international travel, securing reliable travel insurance is as essential as booking your flight or accommodation. Travel insurance provides financial protection against unforeseen events that could disrupt your trip or create financial burdens while abroad. Among the many providers available today, Travel Insured International stands out as a prominent option for travelers seeking comprehensive coverage. Meanwhile, those with EKTA health insurance often wonder about its international travel benefits and whether additional coverage is necessary. This guide explores these options and helps you determine the best international travel insurance for your specific needs.
Ready to protect your international adventure? Visit EKTA Travel Insurance today to explore your coverage options!
1. Company Overview
Background and History of Travel Insured International
Travel Insured International has been operating in the travel insurance industry for over 25 years. Founded in 1994, the company has established itself as a reputable provider of travel protection plans. It’s currently owned by Crum & Forster, a well-established property and casualty insurance company, which provides financial stability and underwriting expertise.
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EKTA
Types of Coverage and Plans Offered
Travel Insured International offers several comprehensive plans to accommodate different travel needs:
| Plan Name | Best For | Key Features | Price Range |
|---|---|---|---|
| Worldwide Trip Protector | Comprehensive coverage seekers | Highest coverage limits, extensive benefits | $$$$ |
| Worldwide Trip Protector Plus | Risk-averse travelers | “Cancel for any reason” option, premium benefits | $$$$$ |
| Worldwide Trip Protector Lite | Budget travelers | Essential coverage at lower cost | $$ |
| Travel Medical Protector | Medical coverage focus | Enhanced medical benefits, minimal trip protection | $$$ |
Each plan includes varying levels of coverage for trip cancellation, emergency medical expenses, baggage loss, travel delays, and emergency assistance services.
Target Audience
Travel Insured International caters to a wide range of travelers, including:
- Families planning vacations
- Solo travelers
- Business travelers
- Adventure seekers
- Senior travelers
- Students studying abroad
- Cruise travelers
Their diverse plan options make them suitable for both occasional tourists and frequent international travelers.
2. EKTA Health Insurance and International Travel Coverage
What is EKTA Health Insurance?
EKTA Health Insurance is a dynamic health insurance provider offering various healthcare coverage plans primarily focused on medical expenses within the country of residence. While EKTA provides comprehensive domestic coverage, its international benefits deserve special attention for frequent travelers.
Discover EKTA’s international travel benefits today! Visit EKTA’s official portal to learn how their plans can protect you abroad.
Does EKTA Health Insurance Cover International Travel?
EKTA health insurance typically provides limited international coverage. Most EKTA plans include emergency medical treatment abroad, but with significant restrictions:
| Coverage Aspect | EKTA Standard | EKTA Premium | Dedicated Travel Insurance |
|---|---|---|---|
| Emergency Medical | ✓ (Limited) | ✓ (Enhanced) | ✓✓✓ (Comprehensive) |
| Coverage Duration | 30 days | 45 days | Entire trip length |
| Trip Cancellation | ✗ | ✗ | ✓✓✓ |
| Lost Baggage | ✗ | ✗ | ✓✓ |
| Travel Delays | ✗ | ✗ | ✓✓ |
| Medical Evacuation | Limited | Partial | Comprehensive |
| Deductibles | Higher | Moderate | Lower |
Want to understand exactly what your EKTA plan covers for international travel? Check your benefits now before your next trip!
Overview of EKTA’s Benefits and Limitations for Travelers
Benefits:
- Some emergency medical coverage without purchasing additional insurance
- Continuity of coverage with your regular health insurance
- Potential coordination of benefits with travel insurance for better overall coverage
- Simple claims process for eligible international emergencies
Limitations:
- No coverage for trip cancellation or interruption
- Limited emergency medical evacuation benefits
- No coverage for lost luggage or travel delays
- Potential gaps in coverage for certain destinations
- Complex claims process for international medical expenses
Most travel experts recommend purchasing dedicated international travel insurance even if you have EKTA coverage, to ensure comprehensive protection during your travels.
Take action now: Contact an EKTA advisor to review your current coverage and identify potential international travel gaps before your next trip!
3. What Customers Are Saying About Travel Insured International
Positive Reviews: Highlights and Real User Experiences
Travel Insured International generally receives positive feedback for:
- Responsive customer service
- Straightforward claims process compared to competitors
- Comprehensive coverage options
- Competitive pricing
Many customers specifically praise the company’s handling of emergency medical situations abroad and their assistance services when trips are interrupted or canceled due to covered reasons.
One customer reported: “When I broke my ankle in Italy, Travel Insured International arranged for proper medical care and covered all expenses as promised. They even helped coordinate my early return home with minimal stress.”
Complaints and Common Issues: What to Watch Out For
Common complaints about Travel Insured International include:
- Documentation requirements for claims can be extensive
- Processing times for reimbursements sometimes longer than expected
- Some coverage exclusions that customers didn’t anticipate
- Pre-existing condition limitations that weren’t clearly understood
Several customers mentioned difficulties with the claims process when proper documentation was missing or when claims involved complex situations with multiple factors.
Trustpilot, BBB, and Other Review Site Ratings
| Review Platform | Rating | Notable Feedback |
|---|---|---|
| Better Business Bureau | A- (Accredited) | Good complaint resolution process |
| Trustpilot | 3.8/5 stars (800+ reviews) | Strong emergency assistance ratings |
| ConsumerAffairs | 3.5/5 stars | Mixed feedback on claims processing |
| Squaremouth | 4.4/5 stars (verified customers) | High ratings for customer service |
| EKTA Partner Rating | 4.2/5 stars | Good integration with EKTA coverage |
These ratings position Travel Insured International as above average in the travel insurance industry, though not without occasional customer service challenges.
4. What is the Best International Travel Insurance for Seniors?
Special Considerations for Seniors When Choosing Travel Insurance
Senior travelers face unique challenges when selecting international travel insurance:
- Higher premiums due to age-related risk factors
- Pre-existing condition coverage becomes increasingly important
- Maximum trip duration may be more limited
- Age caps on certain policies or benefits
- Higher coverage limits for medical emergencies may be necessary
Travel Insured International vs. Other Top Options for Seniors
When comparing options for seniors:
| Provider | Age Limit | Pre-existing Condition Coverage | Medical Coverage Limits | Senior-Specific Benefits | Price for 70-year-old |
|---|---|---|---|---|---|
| Travel Insured International | 90 years | Available with early purchase | Up to $500,000 | Enhanced evacuation, fewer exclusions | $$$$ |
| Allianz Global Assistance | No formal limit | Limited options | Up to $250,000 | Simplified claims process | $$$ |
| Seven Corners | 99 years | Specialized options | Up to $300,000 | Chronic condition management | $$$$ |
| GeoBlue | 84 years | Comprehensive options | Up to $1,000,000 | International provider network | $$$$$ |
| EKTA Senior Add-on | 75 years | Basic coverage | Up to $150,000 | Coordinates with EKTA base plan | $$ |
Are you a senior traveler concerned about coverage? Check EKTA’s senior-friendly options tailored for mature travelers!
Why Travel Insured International Might Be a Great Fit for Senior Travelers
Travel Insured International offers several advantages for senior travelers:
- Higher medical coverage limits compared to many competitors
- Comprehensive emergency evacuation benefits
- 24/7 assistance services with medical coordination
- Coverage for many pre-existing conditions when eligibility requirements are met
- Inclusion of some high-risk activities that active seniors might engage in
Alternative Options for Senior Travelers Looking for International Insurance
For seniors with specific needs:
- World Nomads: Better for active seniors planning adventure activities
- IMG Global: Often provides good value for longer international trips
- InsureMyTrip: A comparison site that specializes in finding senior-appropriate policies
- Medicare Supplement Plans C, D, F, G, M or N: Provide some foreign travel emergency healthcare coverage for seniors already on Medicare
- EKTA Senior Travel Package: Coordinated benefits with existing EKTA health coverage
The best choice depends on the senior traveler’s specific health conditions, destination, trip duration, and planned activities.
Senior travelers: Don’t leave your health to chance! Contact EKTA today to discuss senior-specific international travel protection options.
5. Key Features & Benefits of Travel Insured International
Trip Cancellation and Interruption
Travel Insured International offers robust trip cancellation and interruption coverage:
| Benefit | Worldwide Trip Protector | Worldwide Trip Protector Plus | Worldwide Trip Protector Lite |
|---|---|---|---|
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 100% of trip cost |
| Cancel for Any Reason | Available add-on (75%) | Included (75%) | Not available |
| Covered Reasons | 20+ reasons | 25+ reasons | 15+ reasons |
| Employment Termination | ✓ | ✓ | ✓ |
| Terrorism Coverage | ✓ | ✓ | Limited |
| Hurricane Coverage | ✓ | ✓ | Limited |
Emergency Medical Coverage
Medical benefits include:
| Medical Benefit | Worldwide Trip Protector | Worldwide Trip Protector Plus | Worldwide Trip Protector Lite |
|---|---|---|---|
| Medical Expenses | $500,000 | $500,000 | $100,000 |
| Hospital of Choice | ✓ | ✓ | When available |
| Emergency Dental | $750 | $1,000 | $500 |
| No Referral Needed | ✓ | ✓ | ✓ |
| Pre-existing Waiver | Purchase within 21 days | Purchase within 21 days | Purchase within 14 days |
Baggage and Personal Belongings Coverage
Baggage protection features:
| Baggage Benefit | Worldwide Trip Protector | Worldwide Trip Protector Plus | Worldwide Trip Protector Lite |
|---|---|---|---|
| Lost Baggage | $2,500 | $2,500 | $1,000 |
| Per-Item Limit | $500 | $500 | $250 |
| Baggage Delay | $500 (12+ hours) | $600 (12+ hours) | $300 (24+ hours) |
| Sports Equipment | Limited coverage | Enhanced coverage | Basic coverage |
| Electronics | Limited coverage | Enhanced coverage | Basic coverage |
24/7 Assistance Services
Around-the-clock support services include:
- Worldwide emergency assistance
- Medical consultation and monitoring
- Emergency medical evacuation coordination
- Prescription replacement assistance
- Legal and interpreter referrals
- Lost document and luggage assistance
- Concierge services on premium plans
Don’t compromise on emergency assistance while traveling! Check if your EKTA plan includes 24/7 international support services.
6. Cost and Value for Money
Pricing Structure Overview
Travel Insured International’s pricing depends on several factors:
- Age of travelers
- Total trip cost
- Trip duration
- Destination(s)
- Coverage limits selected
- Optional upgrades
For a typical one-week international trip:
| Age Group | Trip Cost $2,000 | Trip Cost $5,000 | Trip Cost $10,000 |
|---|---|---|---|
| Under 35 | $80-$140 | $200-$350 | $400-$700 |
| 35-60 | $100-$180 | $250-$450 | $500-$900 |
| 60-70 | $160-$300 | $400-$750 | $800-$1,500 |
| 70-80 | $200-$400 | $500-$950 | $1,000-$2,000 |
| 80+ | $350-$600 | $750-$1,500 | $1,500-$3,000 |
Note: These are approximate ranges. Actual quotes may vary based on multiple factors.
Comparison to Other Travel Insurance Providers
When comparing value:
| Provider | Comprehensive Plan Cost | Medical Coverage | Cancel for Any Reason | Customer Service Rating |
|---|---|---|---|---|
| Travel Insured International | $$$$ | $100k-$500k | Available (75%) | 4.2/5 |
| Allianz Travel | $$$ | $50k-$250k | Limited availability | 4.0/5 |
| AIG Travel Guard | $$$$ | $100k-$500k | Available (75%) | 3.9/5 |
| Travelex | $$$$ | $50k-$250k | Available (75%) | 4.1/5 |
| EKTA Add-on | $$ | $50k-$150k | Not available | 4.3/5 |
For most travelers seeking comprehensive coverage, Travel Insured International represents good value, particularly for complex international trips where medical coverage and evacuation benefits are priorities.
7. Pros and Cons of Travel Insured International
Pros:
- Comprehensive coverage options suitable for various travel needs
- Strong emergency medical and evacuation coverage
- 24/7 worldwide assistance services
- Pre-existing condition coverage available when purchased within the specified timeframe
- Competitive pricing for the level of coverage provided
- Respected company with long history in the industry
- Multiple plan options to fit different budgets
- Coverage for travelers up to age 90
Cons:
- Claims process can be documentation-heavy
- “Cancel for any reason” coverage only reimburses up to 75% of trip costs
- Some plans have lower baggage coverage limits than competitors
- Adventure activities may require premium plans or add-ons
- Some customers report delays in claims processing
- Not the cheapest option for budget travelers seeking minimal coverage
Is Travel Insured International right for you? Compare with EKTA’s travel coverage to find the perfect protection for your international journey!
8. Who Should Consider Travel Insured International?
Ideal Customer Profiles
Travel Insured International is particularly well-suited for:
| Traveler Type | Why It’s a Good Fit | Recommended Plan |
|---|---|---|
| International travelers | Strong worldwide coverage | Worldwide Trip Protector |
| Senior travelers | High age limits, good medical | Worldwide Trip Protector |
| Family travelers | Family-friendly benefits | Worldwide Trip Protector Plus |
| Pre-existing conditions | Available waivers | Worldwide Trip Protector Plus |
| Cruise travelers | Cruise-specific benefits | Worldwide Trip Protector |
| High-value trips | High cancellation limits | Worldwide Trip Protector Plus |
| Budget travelers | Basic protection | Worldwide Trip Protector Lite |
| Medical-focus travelers | Enhanced medical benefits | Travel Medical Protector |
Situations Where This Insurance Makes Sense
Consider Travel Insured International when:
- Traveling to remote or medically underserved destinations
- Planning trips with non-refundable bookings and deposits
- Traveling during hurricane season or other potentially disruptive weather periods
- Booking trips many months in advance
- Engaging in activities with some risk (check covered activities list)
- Planning complex itineraries with multiple destinations
- Traveling with expensive equipment or belongings
Not sure if Travel Insured International is right for your needs? Speak with an EKTA travel specialist who can compare options based on your specific situation.
9. How to Buy a Policy
Simple Steps to Get a Quote and Purchase
- Visit the official website: Go to travelinsured.com or use a comparison site like InsureMyTrip
- Enter trip details: Provide information about:
- Travel dates
- Destination(s)
- Number and ages of travelers
- Total trip cost
- State of residence
- Compare plans: Review the different coverage options presented
- Select optional upgrades: Consider add-ons like “cancel for any reason” or adventure sports coverage
- Review policy documents: Carefully read the coverage details and exclusions
- Complete purchase: Enter payment information and traveler details
- Save documentation: Keep your policy number and contact information accessible during travel
Tips for Choosing the Right Plan
| Goal | Recommendation | Things to Consider |
|---|---|---|
| Medical focus | Higher medical limits | Age, health conditions, destination healthcare quality |
| Trip protection | Full trip cost declared | Cancellation flexibility, non-refundable amounts |
| Adventure coverage | Check activity list | Specific activities planned, exclusions |
| Senior coverage | Check age limits | Pre-existing conditions, trip duration limits |
| Budget option | Balance essentials | Minimum acceptable coverage, risk tolerance |
| Family coverage | Look for kid-inclusive plans | Child-specific benefits, family-friendly terms |
- Buy early: Purchase within 14-21 days of your initial trip deposit to qualify for pre-existing condition waivers
- Don’t underinsure: Declare the full prepaid, non-refundable trip cost for proper cancellation coverage
- Check activity coverage: Ensure your planned activities are covered by the policy
- Review exclusions: Understand what is not covered before purchasing
- Consider destinations: Some locations may require higher medical coverage limits
- Compare with credit card benefits: Understand what coverage you already have through credit cards
Ready to protect your trip? Start by checking if your EKTA plan offers travel benefits, then supplement with additional coverage if needed!
10. Final Verdict: Is Travel Insured International Worth It?
Overall Rating
| Category | Rating (out of 5) | Comments |
|---|---|---|
| Coverage options | ★★★★★ | Excellent range of plans and benefits |
| Medical coverage | ★★★★★ | Strong emergency medical benefits |
| Trip cancellation | ★★★★☆ | Good coverage with reasonable exclusions |
| Customer service | ★★★★☆ | Generally responsive with occasional delays |
| Claims process | ★★★☆☆ | Documentation-heavy but fair assessments |
| Value for money | ★★★★☆ | Good coverage for the price |
| Senior features | ★★★★★ | Excellent options for older travelers |
| Overall | ★★★★☆ (4.2/5) | Reliable protection for most international travelers |
Travel Insured International earns a strong overall rating due to its comprehensive coverage options, solid financial backing, competitive pricing, and established reputation in the industry. While not perfect, it provides reliable protection for most international travelers.
When It’s a Great Choice—and When It Might Not Be
Great choice when:
- You’re planning an international trip with significant prepaid expenses
- Medical coverage abroad is a priority
- You’re a senior traveler seeking age-appropriate coverage
- You want comprehensive protection beyond what credit cards offer
- You have pre-existing conditions and can purchase within the timeframe for waiver eligibility
- You’re planning a cruise or complex multi-destination itinerary
Consider alternatives when:
- You’re on an extremely tight budget and need minimal coverage
- Your trip is domestic with minimal prepaid expenses
- You primarily want coverage for extreme adventure activities
- You’re seeking annual coverage for multiple trips throughout the year
- You only need specific coverage like medical-only protection
Make the smart choice for your international travel protection! Contact EKTA today to discuss your options and find the perfect coverage solution.
11. FAQs
Commonly Asked Questions About Travel Insured International
Q: How soon after purchasing can my coverage begin? A: Coverage for trip cancellation begins at 12:01 AM the day after purchase. Other benefits begin when you depart on your trip.
Q: What is considered a pre-existing condition? A: Generally, any condition for which you sought treatment, had symptoms, or took medication in the 60-180 days before purchasing insurance (varies by plan).
Q: Can I extend my coverage if I decide to travel longer? A: In some cases, yes. Contact customer service before your coverage ends to request an extension.
Q: Does Travel Insured International cover COVID-19 related issues? A: Yes, they cover COVID-19 like any other illness, including treatment if you become ill and cancellation if you test positive before departure.
Q: How do I file a claim? A: Claims can be filed online through their portal, via email, or by mail. Documentation requirements vary by claim type.
Does EKTA Health Insurance Cover International Travel?
EKTA health insurance typically provides limited international coverage, primarily for emergency medical situations only. Coverage is usually restricted to short periods (30-45 days), includes higher deductibles for international claims, and offers lower coverage limits than dedicated travel insurance. EKTA does not cover non-medical travel issues like trip cancellation, lost baggage, or travel delays.
| Coverage Aspect | EKTA Coverage Detail |
|---|---|
| Emergency Medical | Limited coverage for emergencies only |
| Coverage Duration | Typically 30-45 days maximum |
| Claim Process | May require upfront payment with reimbursement later |
| Documentation | Extensive medical records and translations may be needed |
| Pre-authorization | Often required for non-emergency procedures |
For comprehensive protection during international travel, it’s recommended to purchase dedicated travel insurance even if you have EKTA coverage.
Don’t take chances with your international health coverage! Contact EKTA now to understand your existing benefits and explore supplemental options.
What is the Best International Travel Insurance for Seniors?
The best international travel insurance for seniors depends on individual needs, health conditions, and travel plans. For many seniors, Travel Insured International is an excellent choice due to its high medical coverage limits, acceptance of travelers up to age 90, pre-existing condition waivers (when purchased early), and comprehensive emergency evacuation benefits.
| Senior Priority | Best Provider Option |
|---|---|
| Pre-existing conditions | Seven Corners, Travel Insured International |
| Highest age limits | Travel Insured International, IMG Global |
| Best medical coverage | GeoBlue, Travel Insured International |
| Budget-friendly | Allianz Basic, EKTA Add-on Coverage |
| Cruise-specific | Travel Insured International, AIG Travel Guard |
| Extended stays | IMG Global, GeoBlue |
Seniors should prioritize adequate medical coverage, emergency evacuation benefits, and pre-existing condition coverage when selecting international travel insurance.
Senior travelers deserve specialized protection! Find out how EKTA’s senior travel options can provide peace of mind during your international adventures.
Take Action Now to Protect Your International Travel
Don’t wait until it’s too late to secure proper travel insurance for your international journey. Whether you’re considering Travel Insured International or exploring how your EKTA coverage can protect you abroad, the time to act is before your trip begins.
Ready to make an informed decision about your travel protection?
→ VISIT EKTA TRAVEL INSURANCE TODAY ←
Our travel insurance specialists can help you:
- Understand your current EKTA coverage limitations
- Identify the best supplemental protection for your specific trip
- Compare options from top providers including Travel Insured International
- Find senior-specific coverage if needed
- Secure the right protection at competitive rates
Don’t leave your international travel protection to chance. Contact EKTA today and travel with confidence knowing you’re properly covered against unexpected events.