Travel Medical Insurance
Travel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.
Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need.
Travel medical coverage is ideal for:
- International vacationers
- Relatives visiting from overseas
- People going on cruises, safaris or guided tours
- International business travelers
- Students studying abroad
International Medical Group® (IMG®) also offers travel insurance that protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out our international health insurance. IMG plans include a wide range of medical benefits, protection, and support should a problem arise.
Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.
Temporary fixed coverage health insurance for non-U.S. citizens when traveling outside of your home country.
Temporary health insurance for missionaries and mission groups when traveling outside of your home country.
Temporary health insurance for travelers age 65+ when traveling outside of your home country.
Annual multi-trip travel medical insurance for individuals, families and groups.
Why Do I Need Travel Medical Insurance?
Depending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Top Destinations and Countries of Citizenship for 2016 to learn more about some of these challenges.
Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses, and navigating a foreign health care system without the assistance you need.
However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.
Get even more information by checking out our article, “Do I Need Travel Medical Insurance?”
How Much Does Travel Medical Insurance Cost?
Less than $3 per day for an average plan.
Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.
Age of Traveler
Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.
Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.
Duration of Trip
A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans.
Deductible, Maximum Limit, & Additional Optional Coverage
Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.
When Is Travel Health Insurance required?
Some countries may require you to purchase travel health insurance to gain entry.
Traveling to Schengen Countries
Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog about Countries that Require Travel Medical Insurance for Entry to learn more.
You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay.
Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.
These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.
Recent Blog Articles
Top 5 Reasons People Don’t Purchase International Medical Insurance - And Why They Need To
No one expects to become sick or injured while they’re traveling internationally, just like no one expects to get into a car accident.
The only difference is that most — 87.4%1 — of motorists purchase auto insurance to protect their health and investment just in case, while only a sliver of the population purchases international medical insurance.
Why? This article explains the top five reasons people don’t buy insurance when traveling, working or living internationally.
Five Reasons People Don't Buy International Medical Insurance
“I‘m already covered through my domestic insurance/other insurance plan.”
Not necessarily. Most people assume they will be covered by their standard medical plan or Medicare, but that isn’t always the case.
While traditional plans may offer adequate domestic coverage, they aren’t designed for international travel. In fact, many offer very little coverage outside of your home country, and none of the emergency assistance benefits you would require when facing an emergency abroad.
Without even realizing it, you may be putting your health and finances at risk while traveling without the proper coverage.
But you’re not alone. According to a survey2 by the U.S. Travel Insurance Association (UStiA), about 47% of Americans age 18 and older assume they’re covered for trip cancellation, medical care or lost/stolen baggage through:
- Personal or group health insurance (27%)
- Insurance benefits provided by their credit card (18%)
- The airline, cruise line or tour operator (15%)
- Homeowner’s insurance (8%)
When it comes to credit card travel insurance, many plans don’t provide any protection or reimbursement in the event you are injured or sick while on your trip. Most plans also don’t provide emergency medical or dental benefits, including emergency medical evacuation coverage.
So what does cover you? There are three types of international medical insurance plans — travel insurance, travel medical insurance and long-term international medical insurance — which are too often misunderstood, as highlighted by the next reason people don’t purchase these plans.
“All insurance plans are the same.”
Every international medical insurance plan is unique, with each serving a specific purpose or type of traveler
As previously mentioned, there are three types of international medical insurance: travel insurance, travel medical insurance and long-term international medical insurance. Here’s an overview of each type, and when they’re a priority for you:
- Travel Insurance: Designed to protect your trip investment and provide some emergency medical and dental benefits. Along with cover for baggage and travel delay, missed connections, change fees and more, travel insurance protects against many trip cancellation and interruption perils. Depending on your plan, covered trip cancellation and interruption perils could include:
- Sickness, injury or death
- Documented theft of a passport or visa
- Documented traffic accident
- Unannounced strike
- Mechanical breakdown of the common carrier
- Bankruptcy or default of travel provider
- Natural disasters or mandatory evacuations
- Active military service
- Documented terrorist incident
- Travel Medical Insurance:
Designed to provide temporary medical insurance while you’re going
on a short-term international trip or if you take multiple international trips throughout the year.
The cover is ideal for international vacationers, students studying abroad, relatives visiting
from overseas, groups of executives and more. Travel medical insurance plans provide you a wide range of cover:
- Emergency medical and dental, including emergency medical evacuation
- Political evacuation, natural disaster and terrorism
- Accidental death and dismemberment (AD&D)
- Repatriation of mortal remains or cremation/burial
- Emergency transportation
- Physician visits
- Diagnostic procedures
- Prescription medication
- Long-Term International Medical Insurance: Designed to provide long-term, continuous worldwide
medical coverage for yourself and your family while you’re living or working outside of your home country for one year or longer.
One of the chief advantages of this type of insurance plan is that you can seek medical care anywhere in the world. Since it’s designed to provide long-term, worldwide medical coverage, it allows you to receive and continue treatment — including that for chronic conditions — wherever you choose. Along with the benefits that travel medical plans offer, some long-term plans also cover:
- Child and adult wellness benefits
- Physical therapy
- Mental and nervous benefits
- Complimentary medicine, such as acupuncture, aromatherapy and more
- Vision and non-emergency dental benefits can also be added to some plans.
International medical insurance sounds like a no-brainer, right? It protects your health and investment, all the while providing you and your family peace of mind. Still, there are people who come up with reasons not to purchase the sometimes lifesaving coverage. Here’s another reason:
“I’m young and healthy — nothing will happen to me.”
Anything could happen while you’re away from home — even if you’re young and healthy. For example, road traffic injuries are the leading cause of death among people age 15 to 29 years old, according to the World Health Organization (WHO)3.
But you don’t necessarily have to be driving to be at risk. In fact, the WHO reports that half of those dying on the world’s roads are “vulnerable road users” — including pedestrians and cyclists.
In addition to road accidents, those who are traveling to, working or residing in foreign countries face many other dangers. One U.S. database highlights this fact:
A quick search indicates that between October 2002 and December 2015, more than 11,000 U.S. citizens died in a foreign country from “non-natural” causes, according to the U.S. Department of State4. (To put it into perspective, that’s more than two people each day.) These non-natural causes of death included drowning, homicide, automobile accident, terrorist action, air accident, natural disaster and more.
Regardless of whether you’re a U.S. citizen, it’s clear that you face many risks when traveling, working or living internationally. We would all like to think that we’re impervious to danger, but being realistic is vital when it comes to protecting your health.
The best way to ensure you’re protected from the unexpected while you’re away from home is to purchase international medical insurance.
“I’ve purchased international medical insurance for years and I’ve never used it.”
Just because you haven’t used your insurance doesn’t mean it isn’t valuable or that you don’t need it. No one can predict the future, and accidents and emergencies can happen anytime, anywhere.
With insurance, you’ll spend less time worrying about the “what ifs” and more time focusing on what matters most: the memories you create during your trip or stay.
Let’s take travel insurance, for example. A survey5 conducted by the UStiA shows that the top three reasons people purchase travel insurance are: peace of mind, protection against the unexpected and concern over losing the financial investment in a trip.
International Medical Group® (IMG®) clients feel the same:
- “We didn't have to use our insurance (thank goodness!), but I felt comfortable knowing that if anything should happen, we were covered. That was worth every cent!” – Edward T.
- “Fortunately I didn’t have to use it, but it did offer me peace of mind. I felt this added a lot of value!” – Jonathan B.
- “Peace of mind obtained in a simple manner at a reasonable cost. That is what insurance is and ought to be.” – Ronald C.
The conclusion here? Purchase international medical insurance and peace of mind will follow.
“It costs too much.”
The coverage you need might not be as expensive as you think, especially if you consider what could happen if you don’t purchase an international medical insurance policy.
One IMG client would have learned this the hard way, had she not purchased the proper coverage. The client, a missionary who was living in Quintana Roo, Mexico, gave birth to a premature baby who needed ongoing care in order to survive.
The hospital, whose care was costly, demanded payment from the client, and threatened to discontinue treatment and send the baby to a different facility. IMG intervened and paid the hospital directly in order to prevent the baby’s care from being interrupted.
Instead of worrying about mounting expenses, the client was able to focus on what was really important: her son’s well-being.
Imagine if you were in this situation. Would you have the money to pay the bill, or the support you needed to ensure your baby had the proper care?
Depending on your needs, international medical insurance plans can be as comprehensive or as basic as you desire — and can meet any budget type. You can purchase some travel medical plans for as little as $5.
However, if you ask some people, the peace of mind international medical insurance provides is priceless — and far outweighs the additional cost.
If you’re traveling, working or living away from home and want to learn more about international medical insurance, contact IMG today.
If you’re ready to purchase coverage, click here to search for plans based on your needs.
Don’t wait for an accident or emergency while you’re away from home. Get covered today.
1 Insurance Research Council, “Uninsured Motorists, 2014 Edition”
Frequently Asked Questions
This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.