Many travel medical insurance policies provide cover Home Country Coverage for incidental trips that you make to your home country. Coverage is usually pro-rated at approximately 5 days per month for each month insured. Some polices require a 3 month minimum purchase and some require the purchase of a rider for an additional premium. When this cover is offered, the sickness or accident must occur while in your home country. You usually can not travel home for the purpose of receiving medical treatment. Lower limits can apply for this coverage as well. Refer to the policy wording for full details of the coverage.
Related articles:
- What is meant by "instant policy" for international medical travel insurance?
- Will travel insurance plans continue to pay for medical treatment after your return home?
- Will Medicare cover medical expenses while traveling outside the country?
- I already have health insurance. Why would I want a travel insurance policy that includes medical coverage?
- Will travel medical insurance include coverage for activities like scuba diving, water skiing and other adventure activities while traveling?
