Summary: Affordable coverage for medical emergencies and evacuations while traveling abroad.
Best for: Those traveling outside their home country: students studying abroad, employees traveling for work, missionaries, expats, visitors to U.S., and retirees.
Extras: Optional coverage and upgrades are available for specific needs, like hazardous sports and additional AD&D.
These plans focus on medical emergencies & accidents
With a travel medical plan, the focus is on providing U.S.-style medical and dental care to those who need the flexibility to travel or reside outside their home country. These plans pay for new illnesses and injuries that occur while traveling, such as:
- a sprained ankle from crossing a cobblestone street
- a bad case of the flu
- a head injury from a cycling accident
- a broken tooth from trying a new type of oyster
- a spinal fracture from an accident in your rental car
Some travel medical plans offer package-like coverage
Each travel medical plan is different, but many include coverages that are common to package plans, like baggage coverage, trip delays, and supplier default, for example.
3 General Types of Travel Medical Plans
|Single trip medical plans||Multi-trip medical plans||Long-term medical plans|
Travel Medical Coverage and Cost
Coverage varies depending on the plan
These plans generally provide coverage for the following:
- Accidents and emergency medical care expenses
- Emergency evacuations
- Assistance services to locate medical care and arrange transportation
- Some plans provide Accidental Death and Dismemberment (AD&D)
Each type of plan, however, will offer different travel medical coverage and benefits. Coverage for pre-existing conditions is often available with the purchase of an exclusion waiver.
Cost varies from just $1 to $20 per day
Factors affecting plan price are:
- Ages of the travelers
- Deductible amount
- Trip length
- Policy maximums
Quote and buy online in minutes
Get quotes online with just a few trip details
- Trip dates
- Travelers’ ages
Select your plan and provide traveler details such as name, address, birth date, etc. Then, choose your policy maximum and add the optional coverages you need. Purchase your plan online with a credit card.
After you purchase your plan, you’ll receive an e-mail confirmation including the plan certificate.
Review and Refund Policy
Travel medical plans come with a free look period ranging from 10-14 days. During this time, you should carefully review the policy to understand your coverage. If you need to make changes to the policy, add optional riders, increase the policy limits, etc., it’s important to make those changes during the review period. If you decide to cancel your policy, you are entitled to a refund of your payment (minus a small fee) if you cancel within the review period.