Travel Medical Insurance for Overseas Travel
International travel can be exciting. But not having enough medical coverage if you become sick can make the vacation not only stressful but a financial burden as well.
International travel insurance or travel abroad insurance is medical insurance that can provide protection for these unexpected injuries and illnesses.
US, as well as non-US citizens, can consider international travel insurance for short trips or if they are temporarily living abroad for work, study, etc. Plans pay for a range of health benefits including hospitalization, doctor visits, prescription drugs, medical evacuation, repatriation, acute onset of pre-existing conditions, and more.
You can easily apply for and purchase travel health insurance on our website. Coverage can begin as early as the next day or on a future date. Applications require your name, date of birth, address, and sometimes passport number. Confirmation including ID Cards is received immediately by email.
Types of Travel Health Insurance Plans
- Travel Medical Insurance: US, as well as non-US citizens, can consider these plans while traveling outside their country of residence or country of citizenship for a short duration (5 days to 364 days) for leisure or business. These plans provide inpatient and outpatient medical coverage but exclude preventative care, preexisting condition coverage, or maternity. The cost of the plan is calculated based on the age, the number of days of coverage, and the amount of coverage and deductible you opt for.
- Trip Cancellation Insurance: Trip cancellation insurance plans cover the events that are not known to the buyer on the date of purchase. It seeks to refund your money in case you are unable to travel due to an unknown situation covered under the policy. Such plans may or may not include medical coverage but usually include trip interruption, evacuation, and lost luggage coverage. The cost of the plan depends on the cost of the trip, the number of days of the trip, and the age of the traveler.
- Annual Travel Medical Insurance: Annual travel insurance plans provide peace of mind as they offer affordable coverage to business travelers or frequent travelers who make multiple trips throughout the year, regardless of the number of trips.
- Long-Term Major Medical Insurance: These plans can be renewed annually and offer comprehensive coverage. They allow the insured to stay on the same plan for a long period. It is available for both US citizens and foreign nationals and is ideal for immigrants and expats living abroad. The extended travel may be between 3 to 5 years. The benefits include coverage for in-patient, out-patient, prescription, maternity, pre-existing conditions, preventive care, emergency evacuation, and repatriation. However, it does not include coverage for trip interruption and lost luggage.
Travel Medical Insurance
For US citizens traveling overseas, medical insurance plans provide coverage for medical expenses, for cost of hospitalization, emergency medical evacuation, and repatriation. Such plans can be short-term or long-term insurance plans. Short-term plans include medical coverage for vacations of less than a year while long-term plans are ideal for those working overseas. Short-term plans include most healthcare expenses but exclude preventive care and provide limited coverage for pre-existing conditions. Long-term plans are comprehensive and can cover pre-existing and preventive care.
This relates to insurance for US citizens residing abroad for reasons like work or study etc. and who return to the US for a temporary visit.
Price for a Typical Travel Abroad Insurance
|Visitor Age||Plan Medical Limit||Premium*|
|55-59||Visitor Secure |
USD 50,000 maximum
|$45 per month|
|55-59||Visitor Secure |
|$64 per month|
|55-59||Patriot International |
|$80 per month|
|55-59||Patriot International |
|$92 per month|
How Much Does International Travel Insurance Cost?
For US citizens traveling abroad, the primary health insurance that you have may or may not cover you overseas. A small cost of travel abroad insurance can bring significant peace of mind.
Premiums are calculated based on your age, the policy maximum, and deductible options you choose, and the number of days you need coverage. Plans that have pre-defined limits, i.e. limited or fixed benefit plans are typically cheaper than comprehensive plans.
Coverage can start as early as the very next day or a future date you specify on the application.
Trip Cancellation Insurance
Trip Cancellation is a pre-departure benefit that can reimburse 100% of a traveler’s trip costs in the event the trip needs to be canceled for a covered reason. Common covered reasons include unforeseen illness, injury, or death of the traveler, a traveling companion, or a non-traveling family member.
It is also available when you have to cut short your trip due to an emergency. It includes coverage for trip cancellation, trip interruption, emergency medical evacuation, trip delay, lost or delayed luggage, and cancellation for any reason.
Some trip cancellation plans will cover treatment costs related to pre-existing conditions if the plan is purchased within a certain number of days of having paid for the trip.
Getting a quote for trip cancellation insurance is very simple and requires basic information like the age of the traveler(s), dates of the trip, and non-refundable trip costs.
Annual International Travel Insurance Plans
Frequent travelers and frequent business travelers may benefit from annual travel health insurance for their overseas travels. These plans offer the ease and convenience of purchasing a single annual plan at an affordable annual premium
The Atlas Multi-Trip plan can cover all of your international travel. This includes international vacations, business trips, visits with family abroad, overseas sports adventures, or other international pursuits. It covers multiple trips, up to 30 or 45 days in length, for the 364-day certificate period.
The Patriot Multi-Trip plan is designed for individuals, families, and groups of five or more who travel frequently outside of their home country throughout the year. The annual plan is renewable for up to a total of 36 months and is available for US and non-US citizens 75 years old or younger.
Long Term Major Medical Insurance
Long-term medical insurance or Global Health Insurance provides annual comprehensive coverage. These plans can be renewed annually. They allow the insured to stay on the same plan for a long period. It is available for both US citizens and foreign nationals and is ideal for immigrants and expats living abroad. The extended travel may be between 3 to 5 years.
Global Medical Insurance offers five different options for coverage to meet your budget. The five different levels include Bronze, Silver, Gold, Gold Plus, and Platinum plans. Each plan can provide worldwide coverage including the US. The plans allow you to obtain medical treatment at any facility.
The application goes through medical underwriting. Benefits include in-patient and out-patient coverage, prescriptions, maternity, pre-existing conditions, preventive care, emergency evacuation, and repatriation.
Appropriate Time to Buy Medical Insurance
You can buy travel health insurance up to the day before your departure but if your policy benefits depend upon your first trip payment, you may not enjoy some benefits of your plan. To avoid claim denials later on, it is best to buy international travel insurance well in advance. You can add additional costs like plane tickets later on. Follow these tips to get the timing right:
- If you want coverage for trip cancellation, you should purchase the policy after your first trip deposit is made.
- If you need coverage for a pre-existing medical condition, make sure your insurance policy covers this as close to that first payment as possible.
- If you do not want coverage for trip cancellation and only need medical coverage, it is advisable to have the policy in place before traveling. Some plans do allow you to buy the policy even after reaching the destination within a certain number of days.
How to Purchase International Travel Medical Insurance for Outside of the US?
Complete the quote form above to see plans catered to your specific needs.
Compare insurance plans, considering pricing, coverage amount, benefits, and exclusions
Purchase a plan from one of our trusted insurance providers.
Check your email for insurance documents.
Steps to Use Medical Insurance
- In order to claim medical insurance, the first step is to check the plan provider network i.e. the list of providers your insurance company works with.
- Contact the service provider and have your medical ID card handy to prove you have insurance coverage. You can also call the number on your card for assistance.
- It must be noted here that keeping the previous medical records during travel is generally not required, but it is best to keep them when the traveler has a current/chronic condition. Such documents will be required in the event a claim needs supporting documents.
Typical documents required for filing a claim include:
- Completed claim form
- Copy of passport
- Copy of I-94 if visiting the USA
- All receipts
- Copies of medical bills and itemized services
Learn About Pre-Certification of Insurance Claims
When the insurance company confirms a treatment plan is medically necessary, it is referred to as pre-certification. It is a request for coverage where the insurer confirms to a hospital that the treatment plan is admissible. This starts by filling out a pre-certification form. You need to fill this form and submit it to the insurer. Pre-certification does not mean an acceptance of a claim. The insurer scrutinizes final bills and related documents after patient discharge and then makes the final claim settlement.
While some insurers give the option of direct billing to them by the hospital, others provide for reimbursement. In direct billing, the hospital or doctor sends medical bills directly to the insurer while in reimbursement, payment is first made by the insured who can get the claim reimbursed by the insurance company.
Finding Healthcare Facilities to Seek Medical Treatment
In case you are seeking medical treatment while you have a travel health insurance plan, the following are some tips to help you find health care facilities.
- Check your medical insurance plan to see if any specific doctors or hospitals are pre-approved.
- Search directory for available healthcare facilities.
- Before making an appointment, check hospital and doctor accreditations.
Popular Travel Abroad Insurance Plans
You can opt for individual or group plans. Group plans are available for students, missionaries and visitors. These travel medical insurance for overseas travel plans provide coverage for US citizens traveling abroad or non-US citizens visiting USPatriot Group Insurance
Patriot group insurance is designed for groups traveling outside their home country. It offers insurance coverage for sports and activities, emergency evacuation, repatriation and adventure sports rider. For expenses incurred due to terrorism, the maximum coverage available is up to $50,000. It also includes coverage for pre-existing conditions.
Atlas Group Insurance
Atlas is designed for groups traveling internationally. It provides sports coverage for activities like skiing, snowboarding, water skiing and snorkeling. For expenses incurred due to terrorism, the maximum coverage available is up to $50,000. It also includes pre-existing conditions coverage.
Atlas International (medical insurance for US residents traveling outside US)
It is available for a period of 5 days to 364 days. It covers expenses related to hospital and/or doctor visits. It offers a policy coverage of $50,000 to $2,000,000. It is a comprehensive plan and hence covers a percentage of the treatment costs. The benefits include coverage of expenses related to medical treatment of a new injury or illness, evacuation, baggage delay, lost luggage, dental, trip cancellation, accidental death, terrorism coverage, and trip cancellation.
Exclusions from Travel Health Insurance
The following situations are typically excluded from travel health insurance plans.
- Losses due to venereal disease, AIDS virus, pregnancy, or abortion;
- Losses due to mental, psychological, or nervous disorders;
- Losses due to nuclear radiation or radioactive contamination;
- Losses incurred while the insured is participating in an unlawful act;
- Losses due to the insured intentionally causing bodily harm, including suicide;
- Losses incurred while the insured is legally drunk or under the influence of drugs;
- Extreme, high-risk sports;
- Travel costs for medical tourism;
- Losses for tickets or tours won as an award or by redeeming frequent flier or credit card miles; and
- Losses due to war (declared or not), military actions, civil disorder, and riots.
International Travel Insurance FAQ
Individuals or groups traveling outside their home country or country of citizenship either on tourist visas, for business, immigrating, or as international students can consider these insurance plans.
Medical tourism refers to individuals traveling abroad to get medical treatment. Typically, individuals from less-developed countries travel to medical centers in developed countries for treatment that could not be provided at home. Individuals who have long waiting periods for a planned surgery also fall back on medical tourism which sometimes is cheaper and faster at a medical facility in another country. International travel insurance can provide emergency medical coverage for injuries and illnesses arising after the policy is in effect and which are not linked to a pre-existing condition. If you suffer an unexpected illness or injury on your journey, the policy can cover for the cost of ambulance transportation, medical treatment, hospital accommodation, medical evacuation, and repatriation if required. However, these plans will not cover medical tourism.
For everyone living in the UK, UK has Government-funded medical and health care services called National Health Services (NHS) who can use these services without being asked to pay the full cost of the service. All European Union (EU) citizens visiting the UK can get free healthcare if you have a valid EHIC card. Non-EU countries who visit the UK will need to pay for medical services. If you are a non-EU citizen and traveling to the UK as a visitor, it is a good idea to have medical insurance which can cover you for high medical costs. Unlike the UK, the US does not have a National Health Service, hence if UK and EU citizens are traveling to the US, they need to buy visitor insurance to cover medical emergencies in the US.
Canada has a free public healthcare system. However, Canada’s public healthcare system is only free for its own citizens and permanent residents. Anyone visiting Canada or studying in Canada will have to pay out-of-pocket for medical services. Given the cost of medical treatment, it is important to be insured.
Most travel insurance plans provide coverage for medical emergencies (doctor, hospital expenses, surgery, intensive care as well as new prescription drugs) up to the medical limit defined, evacuation, repatriation, trip cancelation, lost luggage, trip interruption. Depending on the plan, trip cancelation and preexisting conditions may be covered.
No, there is no age restriction. Travel health insurance for overseas travel for foreigners to the US or abroad is available up to 99 years of age, however, the amount of coverage you get through the policy might vary based on the age.
Travel health insurance for overseas travel includes coverage for medical illnesses and injuries that occur after the effective date of the policy. These travel plans provide inpatient as well as outpatient benefits including coverage for hospitalization, intensive care, Urgent care, or office visits if you are not well. They also cover Prescription drugs. Many travel insurance plans include coverage for an acute onset of a preexisting condition. Repatriation and medical evacuation are mostly benefits that are included however some plans provide an optional benefit for increasing the amount of medical evacuation limits at an extra cost.
Individuals traveling for work or pleasure to a country where they are not a resident and/or do not hold citizenship may benefit from international travel insurance.
Depending on the travel policy you can opt for trip cancelation to be included. There are plans like the Safe Travel USA Trip Protection that can provide you coverage for trip cancelation. Non-US citizens up to 79 years old who travel to the United States from their home country are eligible for this plan. Safe Travel USA Trip Protection policy provides coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel protection. The policy includes a pre-existing medical condition waiver.