Travel Insurance - Overseas trips, long stays, studying abroad, expatriates, working holidays, visits, missionary work
Contents
Reasons to purchase travel insurance
Travel Insurance, don't purchase if you are this type of person!
If you don't mind paying tens of millions or billions of won for medical expenses? You don't need travel insurance. But an interesting fact is that the higher the income, the higher the travel insurance purchasing rate. If you have assets, you make sure to get insurance to protect the assets you have. Accidents at the travel destination cannot be prevented just by being careful. However, with travel insurance, you can prevent damage to your assets and those of your precious family.
Travel insurance product recommendation by country
You need different insurance for each country you travel to
Medical systems vary by country. Developed countries have unimaginably high medical costs. Moreover, in the US and Canada, if you don't have insurance from a local insurer, you are treated as uninsured at hospitals. In such cases, you might not get timely treatment because of the insured patients. The more advanced the country, like the US, Canada, and Europe, the more you need insurance from that country so as not to be discriminated against.
Travel Insurance Service Guide
Never buy if 'this' is missing when you apply for travel insurance
Don't buy if you can't get proper help when you need insurance. It's just a waste of money. Stonewell considers it most important to help customers receive reasonable protection. Experience a service that's fundamentally different from places that just sell travel insurance.
Overseas Travel Insurance Benefits
Choose insurance benefits from Affordable to Comprehensive
We recommend customized insurance for each country's medical system. Below is a summary of benefits for US travelers and Canadian students. The insurance you need to purchase varies depending on your situation, so compare the detailed benefits of the insurance that suits you when filling out the application form.
Up to $8M
Dental & Health & Eyes
Professional Services
Prescription Drug
With the Comprehensive Plan, deductions apply per policy. This plan offers extensive coverage benefits, and if you visit hospitals within the PPO Network, you won't need to pay hospital bills. It's suitable for individuals who frequently require hospital visits or seek premium insurance coverage.
| Benefits | Insured Amount |
|---|---|
| Maximum Limit | $5,000,000 |
| Deductible Options | 0, $100, $250, or $500 per illness or injury available |
| Physician / Specialist Visit | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Urgent Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Walk-in Clinic | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Hospital Emergency Room | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Hospitalization / Room & Board (Average semi-private room rate, Includes nursing, miscellaneous and Ancillary Services) | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Intensive Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Bedside Visit | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Outpatient Surgical / Hospital Facility | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Laboratory | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Radiology / X-ray | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Pre-admission Testing | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Surgery | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Reconstructive Surgery | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Assistant Surgeon | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Anesthesia | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Durable Medical Equipment | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Chiropractic Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Physical Therapy | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Extended Care Facility | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Home Nursing Care | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Prescription Drugs and Medication | N/A(In-Network), 90%(Out-of-Network), 100%(International) |
| Inpatient Mental or Nervous / Substance Abuse | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Outpatient Mental or Nervous / Substance Abuse | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Emergency Local Ambulance | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Emergency Medical Evacuation | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Dental Treatment | N/A(In-Network), 90%(Out-of-Network), 100%(International) |
| Traumatic Dental Injury | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Emergency Reunion | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Interfacility Ambulance Transfer | 100%(In-Network), 100%(Out-of-Network), N/A(International) |
| Repatriation for Medical Treatment | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Return of Mortal Remains | 100%(In-Network), 100%(Out-of-Network), 100%(International) |
| Accidental Death & Dismemberment | Principal Sum Maximum: $25,000 |
| Incidental Trip | 90%(In-Network), 80%(Out-of-Network), 100%(International) |
| Personal Liability Rider | 100% |
| Lost Personal Property | 100% |
| Limited High School and College Sports | 100% |
| Legal Assistance Rider | $500/period of coverage limit |
End of Worries About Medical Expense During Travel
Visit Hospitals that Allow Direct Billing from Insurance Companies
After buying travel insurance, access My Account. As shown in the video image below, you can search for nearby hospitals that are affiliated with the insurance company. If you visit a Direct Payment hospital, the insurance company will directly handle your medical expenses.
Travel Insurance, Real Customer Reviews
Travel Insurance, proven by real reviews.
C.J
Canada
I didn't go to the hospital often in my country, but after coming to Canada, due to the change in environment, I had to visit the hospital often. I am thankful for your kind assistance every time. I feel sorry for bothering you so much.. I highly recommend it. May your business prosper!
Y.K
United States
I got into a car accident and was taken to the emergency room. I was in a daze, so I just showed my insurance card and couldn't take care of anything else. Fortunately, the insurance company paid most of the treatment to the hospital. Later, I found out that the medical bill was over $400,000 USD.
P.H
Europe
I thought a US insurance plan might be better, so I looked into it and purchased. It seems that there's a reason why people talk about US insurance. European hospitals also knew the insurance company and claimed it on my behalf. It might differ for each hospital, but I was very satisfied since I wasn't expecting it, so I'm sending this review.
Overseas Travel Insurance Services
How Stonewell become the number 1
Diseases and accidents do not take holidays. Accordingly, we operate email, phone, and chat consultations without any days off.
Due to our large number of clients, we have top-tier contracts with major insurance companies. We're qualified to offer the best coverage benefits at the lowest prices.
The purchase of insurance may not differ significantly depending on where you buy it. It's like buying the same Lego set from Costco or a Lego store. You don't necessarily have to purchase through Stonewell. However, when you actually need to use the insurance, make sure you will receive adequate support. Unfortunately, many providers in the industry tend to be unresponsive after purchasing.
Frequently Asked Questions about Travel Insurance
Frequently asked questions
Why Stonewell Financial?
We get paid by insurance company to help you acquire most suitable product based on your needs and budget. We as the broker represent our client’s best interests and our duty is to understand your situation, needs, and requirements due deligently to find best solutions.
