Medical
InsureMyTrip’s 3 Most Important Things to Know about Travel Medical Insurance
1
Your Health Insurance May Not Cover You Internationally
Many U.S. health plans offer limited or no international benefits. Travel medical insurance fills that gap by covering emergency care abroad, or out of state and out of network, so you aren’t left with large medical bills.
2
Emergency Medical Evacuation Can Be Expensive
If you need to be transported to a better-equipped hospital, evacuation costs can reach tens of thousands of dollars. Medical plans help pay for these services, giving you access to high-quality care if a serious emergency occurs.
3
Coverage Is Only for Unexpected Illness or Injury
Travel medical insurance is designed for emergencies, not routine care. It helps protect you during unforeseen situations, like an injury, sudden illness, or medical evacuation, so you can focus on getting the care you need.
Medical Plans
View All Medical Plans
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WorldTrips Atlas International
WorldTrips Atlas International The WorldTrips Atlas International is a single-trip travel medical plan available to U.S. and non-U.S. citizens who …
Medical Schengen Visa Single -
Blue Cross Blue Shield Global Solutions Medical Coverage for Travel: Single Trip Platinum
Blue Cross Blue Shield Global Solutions Medical Coverage for Travel: Single Trip Platinum The Blue Cross Blue Shield Global Solutions …
Medical Single -
International Medical Group Patriot International Lite
International Medical Group Patriot International Lite The Patriot International Lite plan offers travel medical coverage for individuals that are traveling …
Medical Single
Travel Medical Insurance Plans
What Is International Travel Medical (Travel Health) Insurance?
International travel medical insurance (sometimes called travel health insurance) focuses on medical and evacuation benefits. These plans may be called “travel medical,” “emergency medical,” or “travel health” policies; different names, same purpose: helping with medical emergencies overseas.
What Do the Best Travel Medical Plans Cover?
Top plans include emergency medical treatment, emergency medical evacuation, and 24/7 assistance services. Some may also include limited trip interruption, baggage protection, AD&D, or optional upgrades like hazardous sports coverage. Always review the policy details so you understand what’s included.
Does Travel Insurance Cover Medical Expenses?
Yes, travel medical insurance helps with unexpected emergency care, such as broken bones, emergency dental work, and evacuations. It doesn’t cover preventive care or routine visits. Coverage for pre-existing conditions varies by plan, so review limits and lookback periods to understand how your medical history may be considered.
How Much Travel Medical Insurance Do I Need?
The right amount depends on your trip length, activities, age, and whether your domestic insurance covers you abroad. Many travelers choose higher limits for long trips, adventure activities, or if their home health insurance offers little or no international protection. Pick a limit that gives you peace of mind.
Where Can I Get Travel Medical Insurance for a Schengen Visa?
Schengen Visa plans are designed to meet the medical and evacuation requirements needed for entry into 29 European countries. InsureMyTrip offers visa-compliant plans that include medical coverage, evacuation, accidental death benefits, and limited baggage and interruption protection. Requirements are based on citizenship, not residency.
What Are the Limits for International Medical Insurance?
Coverage limits typically range from $50,000 to $2,000,000. Choose based on your existing insurance, destination, trip length, and activities. Medicare rarely covers care abroad, so older travelers may want higher limits. If your activities involve added risk, make sure they’re covered or consider adding a sports rider.
Do Medical Travel Insurance Plans have Deductible Options?
Most single-trip medical plans start with a $0 deductible, but you can often increase the deductible to lower your premium. Multi-trip medical plans always include a deductible that cannot be removed. Deductible details appear in the “Additional Benefits” section when you compare plans.
Do Travel Health Insurance Plans Have Exclusions?
Yes. Plans may exclude pre-existing conditions based on a lookback period (often 6 months–3 years). Some activities – like scuba diving or extreme sports – may also be excluded unless you add an optional hazardous sports rider. Always review the certificate for specific exclusions before purchasing.
Travel Medical Coverage in Comprehensive Plans
Comprehensive plans include medical coverage plus stronger protection for trip cancellation, baggage, and interruption. If you want both medical support and broader trip coverage, you may prefer a comprehensive plan. Both plan types provide access to 24/7 emergency assistance.
How Does International Medical Coverage Apply While Abroad?
Always carry your policy number and emergency assistance contact information. In most emergencies, you have to call the assistance provider before receiving care or arranging an evacuation. They help coordinate treatment and avoid claims issues. Keep copies of all medical records and receipts for a smooth claims process.
How Much Does Travel Medical Insurance Cost?
Costs vary based on age, trip length, number of travelers, and coverage amount. Medical-only plans are typically more affordable than comprehensive plans. To understand pricing, compare quotes for your specific trip and review the included benefits.
Why Buy a Travel Medical Plan?
Travel medical insurance is ideal if you’re traveling abroad and don’t need trip cancellation coverage. These plans provide essential protection for medical emergencies, evacuation, and 24/7 assistance – key benefits when your health insurance won’t help overseas. Compare plans to find the right fit for your trip.
Which Insurance Providers Offer Travel Medical Plans?
Most major travel insurance carriers offer emergency medical coverage for international travelers.
Which Travel Health Insurance Covers Pre-Existing Conditions Abroad?
Coverage for pre-existing conditions varies by plan.
Some travel medical policies may:
- Exclude pre-existing conditions entirely
- Offer limited coverage after a lookback period (often 6 months–3 years)
- Require the condition to be stable for a set period before travel
InsureMyTrip allows you to filter and compare plans that may offer pre-existing condition coverage, making it easier to find options that align with your medical history.
What Are the Best Travel Health Insurance Options for Retirees?
Retirees and older travelers often prioritize:
- Higher medical limits
- Strong evacuation coverage
- International acceptance
- Coverage where Medicare does not apply
Many travel medical plans are designed specifically for international travelers over 60, with coverage limits up to $2,000,000. InsureMyTrip makes it easy to compare age-eligible plans and identify coverage that fits your needs.
Which Policies Combine Travel Health and Trip Cancellation Coverage?
If you want both medical protection and trip cancellation benefits, a comprehensive travel insurance plan may be a better fit. Comprehensive plans typically include:
- Emergency medical coverage
- Medical evacuation
- Trip cancellation and interruption
- Baggage protection
- 24/7 assistance
Travel medical-only plans focus on health coverage, while comprehensive plans provide broader financial protection.
Where to Buy Affordable Travel Medical Insurance for International Trip
The most affordable travel medical insurance depends on:
- Your age
- Trip length
- Destination
- Coverage limits
- Deductible selection
Medical-only plans are generally more affordable than comprehensive plans, especially for international travelers who don’t need trip cancellation coverage.
InsureMyTrip lets you compare prices and benefits from multiple providers, helping you find cost-effective coverage without sacrificing essential protection.
