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
What to Do and Not Do Before Traveling Internationally
Are you a first-time international traveler, or a frequent flyer who still gets overwhelmed with the laundry list of to-dos before a cross-border trip?
We know preparing for departure can be stressful, so we want to put your mind at ease. Here’s a simplified list of what to do and not do before traveling internationally:
What to DO Before Your International Travel
- Check your health: Get a pre-travel physical exam several weeks before your departure. Tell your doctor where you’re going and verify you have all the proper vaccinations for that destination. Refill your prescriptions and be sure you have an extra supply, in case your travel is extended or delayed for any reason.
- Verify visa requirements: Many countries require citizens of other nationalities to obtain a visa prior to entering their country, so it’s essential to check these requirements when planning your trip.
- Notify your bank: Let your bank know when you will be leaving for your trip, where you’re going and what you plan to do once you arrive. If you forget to do so, you risk your account freezing during your trip. Calling your bank ahead of time will also allow you to ask any questions you have about using your card internationally, including whether you will be charged a foreign transaction fee.
- Make an itinerary: The best-laid plans don’t always go awry — especially when it comes to international travel. Exploring and mapping your opportunities ahead of time will allow you to make the most of your trip.
- Pack the essentials: Ah, packing — arguably one of the most stressful parts of traveling. When you’re deciding what to take on your trip, be sure you’ve got the essentials. Remember to bring copies of all forms of identification, including your passport, driver’s license, visa and insurance cards. Also print copies of your itinerary, flight and accommodation details, and tickets for any activity or event you’re attending as a backup. Familiarize yourself with airport security rules and regulations, and what you can and cannot pack in your carry-on or luggage.
- Make sure you’re covered: Accidents happen. Your health is not something to risk while you’re away from home. Most people think their standard medical plan or a credit card travel insurance policy will cover them anywhere in the world, but that isn’t always the case. Be sure to review your current health insurance policy before departure, and speak to an international insurance provider to learn how travel medical insurance can better protect you and your loved ones.
What NOT to do Before Your International Travel
- Book your trip too early: It’s inevitable: You just made travel plans with friends or family and you can’t wait to book your trip. But don’t let your excitement cloud your judgment when purchasing flights. Buying tickets too early could cause you to pay a higher price than usual. For domestic flights, it’s better to wait until about seven weeks before your departure date to buy your ticket, according to Jeff Klee, CEO of CheapAir.com, which analyzed 560 million airfare searches. For international flights, it’s best to buy your ticket 11-12 weeks before your anticipated departure date.
- Exchange currency at the airport: While it may be the most convenient option, exchanging currency at the airport could cost you. Poor exchange rates and high fees can start your trip off on the wrong foot. Instead, ask your bank a few weeks before your trip if it offers foreign currency. Also be sure to check if your credit card charges a foreign transaction fee.
- Leave your home at risk for burglary: In the excitement of your travels, it’s easy to forget about simple things like home security. Before you leave, be sure to notify a close neighbor, who can keep an eye on your place while you’re gone. Ask them to bring in your mail and take care of your pets and/or plants so your home doesn’t appear to be unattended. Be sure to also ask them to alert you of any suspicious activity.
- Forget tech gadgets: Electrical outlets are different all over the world, so buying an adapter is essential. Also, be sure to look into portable chargers for your gadgets, so you’re fully charged while on the go.
- Disrespect the customs and culture of your destination: This one is pretty straightforward. Always be mindful of the locals.
- Keep all of your forms of identification in the same bag: If one of your bags get lost or stolen, you don’t want to lose all of your important documents. Consider keeping the original forms of ID with you in your carry-on and keeping copies in your checked bags.
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.