🩺 3 種常見旅遊醫療險怎麼選？Coverage、價格、誰最適合一次比較！
出國前應該買哪一種旅遊醫療險？為什麼每一家的內容看起來都差不多？這篇文章用最簡單的方式，帶你了解「Travel Medical Insurance」常見的三大種類、保障內容、價格範圍，以及最適合哪一種旅客。
🌏 一、為什麼旅遊醫療險比行李延誤更重要？
美國本地的健康保險（HMO / PPO）大多不在海外生效，一旦在國外生病、急診或住院，費用可能高達數千美金甚至更多。
旅遊醫療險最重要的功能，就是把海外醫療費用風險降到最低。
🩹 二、3 種常見旅遊醫療險比較（Quick Comparison）
| 類型 | 主要保障 | 價格範圍 | 最適合誰？ |
|---|---|---|---|
| 1. Travel Medical Insurance | 海外就醫、意外受傷、急診、住院、緊急後送 | $20–$150（依天數與年齡） | 旅遊、留學、商務、短期出國每個人 |
| 2. Visitor Insurance（訪客醫療險） | 門診、急診、住院、意外受傷、突發疾病 | $30–$180（依年齡） | 父母來美探親、親友短期訪美 |
| 3. Emergency Evacuation / Evac-Only | 緊急醫療後送、航空後送返家 | $8–$40 | 長途旅行、偏遠地區旅遊、冒險旅遊 |
🧳 三、逐項解析：哪一種適合你的旅遊？
✔️ 1. Travel Medical Insurance（一般旅遊醫療險）
最常見的旅遊醫療保單，保障海外看病與意外，門診、急診、住院都能賠。
- 適合：出國旅遊、短期旅行、商務出差
- 保障重點：醫療費、意外、後送
- 優點：費用便宜、保障全面
✔️ 2. Visitor Insurance（訪客醫療險）
專門為「來美國訪客」設計，尤其父母來美探親。
這類是華人社區最常出事、最需要的保險。
- 適合：父母來美、親友探親
- 保障重點：急診、意外、慢性病急發（依政策）
- 優點：保額高，保障符合美國醫療費
✔️ 3. Emergency Evacuation（後送保險）
有些旅客已自備海外醫療，但想增加「緊急後送（Air Evacuation）」保障。
例如：旅程中需要被送回美國治療。
- 適合：長途旅行、冒險旅遊、偏遠國家
- 保障重點：航空後送、返家安排
- 優點：費用超低、必要時非常實用
🎯 四、給你的建議：這樣挑最不容易錯
- 一般旅遊：選 Travel Medical（最重要）
- 父母來美：選 Visitor Insurance（訪客醫療）
- 已自備海外醫療：加購 Emergency Evac（後送）
- 常搭飛機：加 Accidental Death（意外身故）
📝 五、結論：3 種旅遊醫療險各有用途，買對最重要
旅遊醫療不是「可有可無」，而是避免海外醫療費爆掉的關鍵。
下一篇，我會寫：
《旅行意外身故 Accidental Death 要不要買？什麼情況會用到？》
如果你想了解有哪些保單適合你，我也可以協助你比較不同公司與方案。
🩺 How to Choose Travel Medical Insurance? A Simple Comparison of the 3 Most Common Types
What type of travel medical insurance should you buy before a trip? Many policies look similar, but their coverage and purpose are very different. This guide explains the three most common types of Travel Medical Insurance, what they cover, and who they are best for.
🌏 1. Why Travel Medical Insurance Matters More Than Baggage Protection
Most U.S. health plans (HMO/PPO) provide little or no coverage outside the country. If you get sick or injured abroad, medical bills can be extremely expensive.
The primary goal of travel medical insurance is to protect you from unexpected medical costs overseas.
🩹 2. Quick Comparison of the 3 Most Common Types
| Type | Main Coverage | Price Range | Best For |
|---|---|---|---|
| 1. Travel Medical Insurance | Doctor visits, accidents, ER, hospitalization, evacuation | $20–$150 | General travel, vacation, business trips |
| 2. Visitor Insurance | Outpatient, ER, hospitalization, injuries, sudden illness | $30–$180 | Parents visiting the U.S., relatives visiting |
| 3. Emergency Evacuation (Evac-Only) | Emergency medical evacuation, air transport home | $8–$40 | Long trips, remote destinations, adventure travel |
🧳 3. Which One Is Right for You?
✔️ 1. Travel Medical Insurance
Best for general trips abroad. Covers accidents, sudden illness, ER visits, and hospitalization.
- Best for: tourists, business travelers
- Main coverage: medical, accidents, evacuation
- Pros: affordable, comprehensive
✔️ 2. Visitor Insurance
Designed for people visiting the United States—especially parents or older relatives.
One of the most important products for Asian families.
- Best for: parents visiting the U.S.
- Main coverage: ER, accidents, sudden illness
- Pros: high coverage limits suitable for U.S. medical costs
✔️ 3. Emergency Evacuation / Evac-Only
For travelers who already have overseas medical coverage but want evacuation protection.
- Best for: remote destinations, adventure or long-distance travel
- Main coverage: air evacuation, medical transport home
- Pros: low cost, essential in emergencies
🎯 4. Recommendation
- General travel: Travel Medical
- Parents visiting the U.S.: Visitor Insurance
- Already have overseas medical: Add Evac-Only
- Frequent flyers: Add Accidental Death
📝 Conclusion
Travel medical insurance is not just optional—it’s a key part of protecting yourself abroad.
In the next article, we will cover:
“Do You Need Accidental Death Coverage? When Does It Apply?”
If you need help comparing plans, feel free to reach out.