Take care if you are a foreign visitor to the United States to make sure you have the correct coverage. What is the difference between a foreign medical insurance policy and a foreign travel insurance policy?

The answer is simple but in practice there are many overlaps. Travel insurance is generally taken out to protect the financial investment you have made in your trip, and it covers things like replacing your baggage and cancellation. Travel medical insurance covers the cost of any medical treatment you may need abroad.

When you travel to the US as a foreign visitor you need both types of insurance purchased separately, or a policy that covers both. Many travel insurance plans will also include travel medical insurance but not every one will.

Check your policy carefully when you buy. You want to be properly covered for the financial aspect of your trip as well as the medical necessities.