Travel Insurance Reviews Travel Medical Plans
Most regular health insurance plans provide only partial or no coverage while you are traveling in another country. We offer several types of Travel Medical plans providing a range of benefits, such as medical coverage for pre-existing conditions, multi-trip and renewable protection, emergency medical evacuation, and coverage for long-term travel.
To learn more, see our Travel Medical Plans article.
The trip included a
cruise
tour
WorldTrips
Atlas MultiTrip
As I have not had to file a claim, I believe this plan was the best choice for me at this stage in my life. Medicare does not cover medical claims outside of the USA, so I knew I needed to have a plan that would cover any medical coverage I may need by traveling abroad. The agents were very helpful in explaining the benefits I would have, if an emergency or a medical need would happen while I am traveling abroad. I hope that if I do need to file a claim, that this insurance company will exceed my expectations.
Deborah K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
GeoBlue
Voyager Choice
Not being used, therefore only 3 stars you know how good they are when you claim it.
Eddy K. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
WorldTrips
Atlas International
I visited California for two weeks from other country. Unfortunately, I cut my finger during the trip and had to go to a neighbourhood urgent care. I gave the receptionist the policy number, she made a call and confirmed that I only had to pay for a copay of $15. I received the medical care I needed and felt that I made a smart decision of purchasing a traveler medical insurance prior the trip. I highly recommend everyone purchasing a medical insurance when traveling to the US as medical expense there can really break the bank.
Lancy C. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
WorldTrips
Atlas International
My wife goes home each year to Japan. Medicare stops on overseas trips, so this covers her in the event of an accident in Japan. We have, thankfully, never needed it, but it is there in case we do. It is, as the name implies, "insurance.'
Chieko C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
GeoBlue
Trekker Essential
I spent three weeks in Japan on business and purchased a plan for medical coverage. Did not end up needing it, but enjoyed the peace of mind knowing I had coverage.
Glen R. would
recommend this plan to a friend or relative.
WorldTrips
Atlas International
Was unfortunate that I had to file a medical claim, the process took a little bit but overall was very smooth and was reimbursed for my doctor visit during my trip.
Chun hung c. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
International Medical Group
Patriot International Lite
Thank goodness I didn’t have to use the insurance but it was a relief to know I had it in case I had to use it.
Nancy H. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
HTH Worldwide
TravelGap Voyager
I visited a doctor in Japan and got medication. The entire cost of the visit was less than my premium. I filled out the claim form with all the requested information, which includes a form (in the same PDF) for authorizing communication via email (note: their only communication options are email and postal mail). Their initial response came 8 days later and was to send proof I was in Japan (and would be leaving) and that I did not fill out the electronic communication waiver (what?). I replied the same day with the waiver attached and flight details.
After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later.
Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use.
They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work).
The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me.
I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.
After that I didn't hear anything from them, not even a confirmation, until I asked about it 1 month from my initial claim. 5 days later I received in postal mail an EOB that said my claim was denied for lack of documentation. Then that same day or 1 days later, I received an email saying my claim was paid by check. I received the paper check 1 week later.
Overall, I think the communication and claim process was subpar. The claim form was a non-fillable PDF that I annotated over so I didn't have to print it out and scan it. The process seems like it's designed to be difficult to use.
They don't give you any guidance on how to handle foreign languages or currencies so I had to just submit and hope they did translation/conversions (seemed to work).
The fact that they ignored their own waiver form to send me an identical waiver form and fill out again was very annoying, and the lack of communication overall really didn't sit well with me.
I can't imagine what it would have been like trying to communicate with them if I'd had anything complicated happen.
Brian S. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
-
Carol
Thank you for your feedback. Even though your claim may be less than your policy premium, insurance providers still require specific documents to pay your claim. We are pleased to hear that your claim was quickly settled.Dec 31,2019-
BrianS
Yes, I'm aware of the document requirement. I sent all the documents requested with the initial claim except for the airline confirmation (because it there was no indication that was needed beforehand, another example of the poor guidance on submitting a claim).
Please note that the main point of my review was slow and unclear communication. The claim was not "quickly" settled, it was settled slowly and with conflicting information, and a > 1 month period of time with no response from the company.Dec 31,2019
-
WorldTrips
Atlas International
Did not need to use the insurance but it’s great peace of mind to know if anything happened while in a foreign country any medical care is covered. You never know if you trip, fall, break a leg, get sick, need stitches and so forth...it’s best to have insurance that is accepted in that country.
Montana H. would
recommend this plan to a friend or relative.
The trip included a
tour
Seven Corners
Liaison Travel Basic
Since we fortunately did not need the plan I cannot really comment on how good the coverage was because we did not file a claim, and do not know what the results of a claim would be.
Monica R. would
recommend this plan to a friend or relative.