Your Ultimate Travel Insurance Glossary: Terms starting with M

Glossary on Travel Insurance Terms starting with M

 Understanding travel insurance can be complex, but knowing the key terms and concepts can simplify the process. This glossary is designed to answer essential questions about travel insurance, such as “What is included in travel insurance?” and “What is LTA in travel insurance?” It covers a wide range of topics, from the most common type of travel insurance to specifics like global travel protection and what “worldwide” means in the context of coverage.

Whether you're curious about the duration of travel insurance, what international and domestic policies cover, or what travel insurance does not cover, this guide has you covered. Discover the different types of travel insurance, the importance of having coverage, and how global travel insurance terms apply, especially with considerations for COVID-19.

With clear explanations and examples, you’ll learn about global travel policies, what is covered in international travel insurance, and how to obtain the right travel insurance for your needs. Dive into our glossary to gain a comprehensive understanding of travel insurance and make informed decisions for your next trip.

To help you decode this complex landscape, we've compiled a comprehensive glossary from A to Z. Whether you're a seasoned traveler or a first-time explorer, this guide will equip you with the knowledge you need to understand and make the most of your travel insurance coverage.

A	B	C	D	E	F	G	H	I	J
K	L	M	N	O	P	Q	R	S	T
U	V	W	X	Y	Z

1. Medical Expenses: Medical expenses refer to the costs associated with necessary medical treatment received during a trip. Travel insurance policies often provide coverage for medical expenses incurred due to illness or injury while traveling.
2. Medical Evacuation: Medical evacuation, also known as emergency evacuation, involves transporting a traveler to the nearest suitable medical facility for necessary medical treatment. This coverage is essential for situations where local medical facilities are inadequate to address the traveler's condition.
3. Missed Connection: Missed connection coverage reimburses travelers for additional transportation expenses incurred if they miss a connecting flight or transportation due to a covered reason, such as a flight delay or cancellation.
4. Multi-Trip Insurance: Multi-trip insurance, also known as annual travel insurance, provides coverage for an unlimited number of trips within a specified period, typically one year. This type of policy is ideal for frequent travelers who take multiple trips throughout the year.
5. Maximum Benefit Limit: The maximum benefit limit is the maximum amount of coverage available under a travel insurance policy for a specific benefit, such as trip cancellation, medical expenses, or baggage loss. Policyholders should be aware of these limits when choosing a plan.
6. Medical Repatriation: Medical repatriation involves transporting an injured or ill traveler back to their home country for further medical treatment. Travel insurance policies may cover the expenses associated with medical repatriation in certain circumstances.
7. Medically Necessary: Medically necessary refers to healthcare services or treatments that are deemed essential for the diagnosis or treatment of an illness or injury. Travel insurance coverage typically applies to medically necessary expenses incurred during a trip.
8. Missed Departure: Missed departure coverage provides reimbursement for additional transportation expenses incurred if a traveler misses their scheduled departure due to a covered reason, such as a traffic accident or public transportation delay.
9. Mandatory Evacuation: Mandatory evacuation occurs when local authorities order residents or travelers to leave a specific area due to an imminent threat, such as a natural disaster or civil unrest. Travel insurance policies may provide coverage for expenses related to mandatory evacuation.
10. Medical Exclusions: Medical exclusions are specific conditions or circumstances that are not covered under a travel insurance policy's medical benefits. Policyholders should carefully review the policy documents to understand any medical exclusions that may apply.
    
    
    
11. Medical Condition: A medical condition refers to any illness, injury, or medical issue that exists at the time of purchasing travel insurance or booking a trip. Travel insurance policies often have provisions regarding pre-existing medical conditions.
12. Medical Screening: Medical screening is the process of assessing an individual's health status, including pre-existing medical conditions, to determine eligibility for travel insurance coverage. Some insurers require applicants to undergo medical screening before issuing a policy.
13. Medical Emergency: A medical emergency is a sudden and unexpected illness or injury that requires immediate medical attention. Travel insurance policies typically provide coverage for medical emergencies encountered during a trip.
14.  Medical Assistance: Medical assistance refers to services provided to travelers in need of medical care while traveling. This may include arranging medical treatment, coordinating medical evacuations, and offering medical advice.
15. Medication Coverage: Medication coverage pertains to the reimbursement of expenses related to prescription medications required for the treatment of an illness or injury during a trip. Travel insurance policies may offer coverage for medication costs under certain circumstances.
16. Medical Records: Medical records are documents that contain a traveler's medical history, diagnoses, treatments, and other relevant healthcare information. Insurers may request medical records to verify pre-existing conditions or assess claims related to medical expenses.
17. Medical Treatment Abroad: Medical treatment abroad refers to healthcare services received by travelers while visiting a foreign country. Travel insurance policies often include coverage for medical treatment abroad, including hospitalization, surgery, and outpatient care.
18. Medical Referral: A medical referral is a recommendation from a healthcare provider for a patient to seek additional medical treatment or specialized care. Travel insurance may cover the costs associated with medical referrals received during a trip.
19. Medical Repatriation Assistance: Medical repatriation assistance involves arranging and coordinating the transportation of an injured or ill traveler back to their home country for medical treatment. Travel insurance may provide coverage for medical repatriation assistance services.
20. Medical Advice Hotline: A medical advice hotline is a telephone service that travelers can contact to receive medical advice and assistance while traveling. Some travel insurance policies include access to a medical advice hotline as part of their assistance services.
21. Missed Connection Coverage: Missed connection coverage provides reimbursement for additional expenses incurred if a traveler misses a connecting flight or other transportation due to a covered reason, such as a flight delay or cancellation.
22. Medical Evacuation: Medical evacuation, also known as medical repatriation, involves transporting an injured or ill traveler to the nearest appropriate medical facility or their home country for further treatment. Travel insurance policies often include coverage for medical evacuation expenses.
23. Maximum Benefit Amount: The maximum benefit amount is the highest dollar value that a travel insurance policy will pay for a covered claim or benefit. Policyholders should be aware of the maximum benefit amounts for each coverage category listed in their policy.
24. Mandatory Evacuation: A mandatory evacuation occurs when government authorities require residents or travelers to leave a specific area due to an impending threat, such as a natural disaster or civil unrest. Travel insurance may provide coverage for expenses related to mandatory evacuations.
25. Medical Concierge Services: Medical concierge services assist travelers in accessing healthcare resources, scheduling appointments, and navigating medical facilities while abroad. Some travel insurance policies include medical concierge services as part of their assistance offerings.
    
    
    
26. Medical Payment Coverage: Medical payment coverage, also known as medical expense coverage, reimburses travelers for medical expenses incurred due to illness or injury during a trip. It may cover hospitalization, doctor visits, prescription medications, and other medical services.
27.  Medical Tourism: Medical tourism refers to traveling to another country to receive medical treatment or procedures, often at a lower cost or with shorter wait times than available in one's home country. Travel insurance may offer coverage for medical tourism-related expenses.
28. Mugging Coverage: Mugging coverage provides reimbursement for losses resulting from a mugging or robbery that occurs during a trip. It may cover stolen cash, personal belongings, and medical expenses resulting from injuries sustained during the incident.
29. Missionary Insurance: Missionary insurance is designed for individuals traveling abroad to engage in religious or humanitarian missions. It typically provides coverage for medical expenses, emergency medical evacuation, trip interruption, and other benefits tailored to the needs of missionaries.
30. Mental or Nervous Disorder Exclusion: This exclusion in a travel insurance policy typically specifies that the policy does not cover losses or claims arising directly or indirectly from mental or nervous disorders, including anxiety, depression, or other psychological conditions.
31. Military Duty Cancellation: Some travel insurance policies include coverage for trip cancellation if the insured traveler is called to active military duty unexpectedly. This coverage may reimburse non-refundable trip expenses if the deployment dates overlap with the planned travel dates.
32. Minimum Essential Coverage (MEC): Minimum essential coverage refers to the type of health insurance coverage that individuals are required to have under the Affordable Care Act (ACA) in the United States. Travel insurance policies may or may not qualify as minimum essential coverage.
33. Medical Screening: Medical screening is the process by which travelers provide information about their medical history, current health status, and any pre-existing conditions when purchasing travel insurance. Insurers may use this information to determine coverage eligibility and premiums.
34. Medical Underwriting: Medical underwriting is the assessment of an individual's medical history and health status by an insurance company to determine coverage eligibility and premium rates for travel insurance policies. Some policies require medical underwriting for certain travelers, especially those with pre-existing conditions.
35. Mountaineering Coverage: Mountaineering coverage provides insurance protection for travelers participating in mountaineering or climbing activities. It may include coverage for accidents, emergency evacuation, and rescue services specific to mountainous terrain.
36. Medical Referral Services: Medical referral services assist travelers in finding and accessing medical care while abroad. These services may help arrange appointments with healthcare providers, clinics, or hospitals in the traveler's destination and facilitate communication between the traveler and medical professionals.
37. Motorcycle Coverage: Motorcycle coverage extends travel insurance protection to travelers who plan to ride motorcycles during their trip. It may include coverage for accidents, injuries, and damage to rental motorcycles, subject to policy terms and conditions.
38. Mobile App: Some travel insurance providers offer mobile applications (apps) that allow policyholders to access their insurance information, file claims, receive assistance, and access other travel-related services directly from their smartphones or tablets.
39.  Marine Insurance: Marine insurance provides coverage for travelers on cruises, yacht charters, or other marine vessels. It may include benefits such as trip cancellation, trip interruption, medical coverage, and emergency evacuation tailored to maritime travel.
40. Medical Evacuation: Medical evacuation, also known as medical repatriation, refers to the transportation of a traveler to the nearest appropriate medical facility or their home country for medical treatment in the event of a serious illness or injury during travel. Medical evacuation coverage in travel insurance policies typically includes arrangements for transportation and medical supervision.
41. Medical Expense Reimbursement: Medical expense reimbursement is a feature of travel insurance that covers the costs of medical treatment, hospitalization, and related expenses incurred due to covered illnesses or injuries while traveling. Policyholders may be reimbursed for eligible medical expenses up to the specified coverage limits and subject to policy terms.
42. Missed Connection Coverage: Missed connection coverage reimburses travelers for additional transportation expenses incurred when they miss a connecting flight, cruise, or other scheduled transportation due to covered reasons such as flight delays, cancellations, or other unforeseen circumstances. This coverage may include the cost of alternative transportation to reach the traveler's intended destination.
43. Multi-Trip Insurance: Multi-trip insurance, also known as annual travel insurance or frequent traveler insurance, provides coverage for multiple trips taken within a specified period, typically one year. Instead of purchasing separate policies for each trip, travelers can opt for multi-trip insurance, which offers convenience and cost savings for frequent travelers.
44. Medical Treatment Extension: Some travel insurance policies offer medical treatment extension, which allows policyholders to extend their coverage period for medical treatment beyond the original policy expiration date if they are unable to return home due to a covered illness or injury. This extension ensures continued coverage for necessary medical care until the traveler can safely return home.
45. Medical Consultation Services: Medical consultation services provide travelers with access to medical professionals for remote medical advice, diagnosis, and treatment recommendations while traveling. These services may be available through telemedicine platforms, hotline numbers, or online consultations, offering convenient access to healthcare guidance for travelers in need.
46. Mugging Coverage: Mugging coverage provides insurance protection for travelers who become victims of mugging or robbery while traveling. It may include coverage for stolen belongings, medical expenses resulting from injuries sustained during the incident, and emergency assistance services to help travelers in distress.
47. Mandatory Evacuation Coverage: Mandatory evacuation coverage reimburses travelers for expenses incurred when they are required to evacuate a destination due to a government-issued mandatory evacuation order, typically in response to natural disasters, civil unrest, or other emergencies. This coverage may include costs associated with transportation, lodging, and additional living expenses during the evacuation period.
    
    
    
48. Mental Health Coverage: Mental health coverage in travel insurance policies provides benefits for the treatment of mental or psychiatric illnesses, including depression, anxiety, and other mental health conditions that require medical intervention while traveling. Coverage may include therapy sessions, medication, and hospitalization for acute mental health crises, subject to policy terms and conditions.
49. Medical Concierge Services: Medical concierge services offer personalized assistance to travelers seeking medical care abroad. These services may include scheduling doctor appointments, arranging hospital admissions, coordinating medical transportation, and providing translation services to facilitate communication between the traveler and healthcare providers.
50. Medical Repatriation: Medical repatriation refers to the process of transporting a traveler back to their home country for medical treatment after experiencing a serious illness or injury while traveling abroad. This may involve arranging for medical supervision and transportation via air ambulance or other means.
51. Medically Necessary Treatment: Medically necessary treatment refers to healthcare services or procedures that are required to diagnose, treat, or manage a medical condition in accordance with accepted medical standards. Travel insurance policies typically cover medically necessary treatment for covered illnesses or injuries.
52. Medical Emergency Assistance: Medical emergency assistance services provide travelers with access to 24/7 support and guidance in the event of a medical emergency while traveling. These services may include medical referrals, coordination of emergency medical evacuation, assistance with hospital admissions, and communication with medical providers on behalf of the traveler.
53. Medication Reimbursement: Medication reimbursement covers the cost of prescription medications required for the treatment of covered illnesses or injuries while traveling. Travel insurance policies may offer reimbursement for necessary medications purchased abroad, subject to policy terms and conditions.
54. Maximum Coverage Limit: The maximum coverage limit refers to the highest amount that an insurance policy will pay for covered losses or expenses during the coverage period. Travel insurance policies often have maximum coverage limits for medical expenses, trip cancellation/interruption, baggage loss/damage, and other benefits.
55. Medical Condition Exclusion: A medical condition exclusion is a provision in a travel insurance policy that excludes coverage for losses or expenses related to pre-existing medical conditions. Travelers with pre-existing conditions may be subject to exclusions or limitations on coverage for conditions that existed prior to the policy's effective date.
56. Medical Transportation: Medical transportation refers to the arrangement and coordination of transportation services for injured or ill travelers who require medical care while traveling. This may include ambulance services, medical escort services, air ambulance transportation, or repatriation to the traveler's home country for further treatment.
57. Medical Expense Deductible: The medical expense deductible is the initial amount that a traveler must pay out of pocket for covered medical expenses before the insurance company begins to reimburse eligible costs. Travel insurance policies often include a deductible for medical expenses, which can vary depending on the policy.
58. Medical Records Review: Medical records review is a process conducted by insurance companies to assess the medical history and treatment needs of travelers with pre-existing medical conditions. Insurers may request medical records or documentation to evaluate the eligibility for coverage and determine any exclusions or limitations related to pre-existing conditions.
59.  Medical Referral Services: Medical referral services assist travelers in finding appropriate medical care providers or facilities while traveling. These services may include recommendations for doctors, hospitals, clinics, or specialists based on the traveler's location, medical needs, and insurance coverage.