 • Multi-Trip vs. Single Trip Plans. Some plans cover a single trip (TravelGap Single Trip and TripProtector) and others cover all the trips you take during a year (TravelGap Multi-Trip). These Multi-Trip plans will usually put a limit on the duration of coverage during any one trip (commonly about 30-70 days). If your trip exceeds that, you won't be covered at all, or won't be covered after the threshold day passes. So these plans aren't good for extended travel, study or work abroad.
• There are also group plans. If you're traveling on business, there are probably other colleagues in your company who also travel internationally. If your company has foreign employees, they may travel to the U.S. on account of training and other purposes. Your company can purchase group coverages for both of these situations.
• Secondary vs. Primary Coverage. Determine whether you need primary or secondary coverage. In case of a medical claim or problem, primary coverage generally ignores your other insurance and pays the claim, if it's for a covered service. Secondary coverage sometimes requires that you first go to your primary plan (for instance, Blue Cross) and request payment. Secondary coverage is probably adequate for most travel (it should be cheaper), if you have good primary health insurance.
• Pre-Existing Conditions Exclusion. A lot of travel plans leave out pre-existing medical conditions. This means that your coverage does not include medical conditions that you  have now or have had in the past (the definition can be different). Some of HTH's TravelGap products do not exclude pre-existing conditions. Moreover, under HTH's TripProtector plan, the pre-existing condition limitation is waived if coverage is bought within 24 hours of making your final trip payment.
• Other Exclusions. Many policies will not cover accidents and injuries referred to particular sports and activities viewed as high risk, such as skydiving. Even scuba diving and skiing coverage may be limited or require a higher premium. Many policies also do not include mental illness, and they won't cover you if you're traveling against the advice of a doctor or traveling for the purpose of seeking medical care. Read the policy to be sure it has the appropriate coverage.
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