If you have ever heard the term travel medical insurance, you may have instantly thought about that commercial with the dog hiding his bone and just assumed that it was an insurance company. While there is a Traveler’s Insurance Company, there is still a brand of insurance called travel insurance, and you may find that it is your best option, especially if you’re a frequent traveler.

Travel medical insurance, to put it simply, is a brand of insurance that covers you all across the globe. For example: If you live in California but need to visit Japan on a business trip, a lot of insurance plans will squirm their way out of paying for care if you get sick or injured abroad. It’s in the fine print. With travel insurance, however, you are fully covered wherever you may roam.

Fortunately for all the world travelers out there, you can still find cheap medical insurance that will cover your travel. However, covering your medical expenses abroad isn’t all travelers’ insurance does. There is a wide range of positives to selecting this type of insurance.

What Travel Insurance Covers

Typically, most people buy insurance based on what they assess to be a risk in their life. You don’t want your children to go without care, so you make sure you put them on your insurance. If you’re in relatively good health, you may opt for a higher deductible for a lower monthly payment. But unlike normal health insurance, travel insurance is a completely different setup.

Here are some of the things travel insurance has been known to cover:

• Medical and dental expenses, at your home or abroad
• Emergency situations
• Return of a child
• Accidental death, disablement or injury, including benefits
• Funeral expenses
• Some plans even cover travel expenses if you fall ill or get injured

This type of insurance isn’t for everyone, obviously. But if you are the type of individual that likes to travel or travels a lot due to your career, then travel insurance is the best way to go to ensure you’re not stuck with the bill should an accident or illness strike.