Standard travel insurance often excludes elective surgery. Here's how to get proper coverage for your Korean medical tourism trip.

Standard Travel Insurance Limitations

Typically NOT Covered

• Elective cosmetic procedures
• Complications from cosmetic surgery
• Trip cancellation for surgery reasons
• Recovery-related claims

Usually Covered

• Non-surgery medical emergencies
• Lost luggage
• Flight issues (unrelated to surgery)

Medical Tourism Insurance Options

Specialized Providers

• Medical tourism-specific policies
• Cover complications
• Extended stay coverage
• Medical evacuation

What to Look For

• Complication coverage
• Revision surgery coverage
• Extended recovery time
• Return trip if needed
• Local medical care coverage

Clinic-Provided Coverage

What Some Clinics Offer

• Free revision within timeframe
• Complication treatment included
• Extended aftercare

Questions to Ask

• What if revision needed?
• Are complications covered?
• How long does coverage last?
• What about hospital costs?

Alternative Strategies

Self-Insurance

• Emergency fund set aside
• Credit card with high limit
• Flexible return flight

Combination Approach

• Standard travel insurance + clinic guarantee
• Emergency fund for gaps
• Medical tourism policy if available

Documentation Needs

• Keep all medical records
• Get English translations
• Save all receipts
• Document timeline of issues

Before You Buy

• Read policy exclusions carefully
• Ask specific questions about your situation
• Get confirmation in writing
• Understand claim procedures