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.

Popular Travel Medical Plans
Ideal for Traveling Outside of Your Home Country

Most Popular

Patriot Travel Medical Insurance

Temporary health insurance for individuals, families and groups

Highlights

  • Travel medical insurance for individuals, families and groups
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $2,000,000
  • Coverage for medical expenses, evacuation, and repatriation
Price:
Coverage:
Recommended

Patriot America Plus

Temporary health insurance for non-U.S. citizens traveling to the USA

Highlights

  • Coverage for non-U.S. citizens traveling to the USA
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum Limits from $50,000 to $500,000 
  • Coverage for acute onset of pre-existing conditions
Price:
Coverage:

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups

Highlights

  • Travel medical insurance for individuals, families and groups
  • Renewable up to 36 months
  • Deductible options from $0 to $25,000
  • Maximum limits from $1,000,000 to $8,000,000
  • Coverage for the sudden and unexpected recurrence of pre-existing conditions
Price:
Coverage:

Additional Travel Medical Insurance Plans

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.

Factors that Determine Cost
The cost of a plan varies based on many factors including:

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.

Destination

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.

Other Situations

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

Countries that Require Travel Medical Insurance for Entry

Mar 23, 2017, 10:19 AM by Alec Synnestvedt
Did you know that many countries require visitors to have travel health insurance to grant entry? Be sure to get the coverage you need!

Rising global health care costs have encouraged an increasing number of governments worldwide to require or consider requiring travel health insurance for non-nationals.

What does this mean for you? When traveling to certain destinations, you may need to do a little more research before embarking on your trip. 

Travel health insurance and travel medical insurance provides temporary medical coverage while you’re away from home. It’s designed to protect you in the event of an illness or injury, providing a range of benefits, including emergency medical and dental, accidental death and dismemberment (AD&D), repatriation and more. 

Some countries that require you to have travel health insurance upon entry include:

  • The United States: Those traveling to the U.S. on a J1 or J2 visa are required to have medical coverage that meets regulatory standards for the full length of their program
  • Schengen countries: Applicants for Schengen visas must prove that they have travel medical insurance to cover any expenses which might arise in connection with repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death, during their stay. 
  • Cuba: Visitors to Cuba must have proof of travel health insurance upon entry.
  • Russia: Certain applicants for a Russian visa are required to have travel health insurance that’s valid for the duration of their visa.
  • Antarctica – Not surprisingly, anyone taking a trip to Antarctica is required to have comprehensive travel health insurance that provides coverage for medical costs in case of hospitalization, evacuation, repatriation and emergency travel. 

Depending on the country you’re visiting, you may need to purchase a plan that provides a certain level of coverage. For instance, minimum coverage for exchange visitors traveling to the U.S. on a J1 visa must provide medical benefits of at least $100,000 per accident or illness; repatriation of remains in the amount of $25,000; expenses associated with medical evacuation to the exchange visitor’s home country in the amount of $50,000; and deductibles cannot exceed $500 per accident or illness.

Wherever you’re traveling, be sure to research your destination’s entry requirements beforehand so you don’t get caught without the necessary coverage. You can review these requirements on the country’s official immigration website. 

Once you purchase a travel health insurance plan, be sure to keep copies of your policy and insurance ID card with you at all times during your travels. 

Although proof of travel health insurance isn’t required for entry to many countries, purchasing a plan will provide the security you deserve if an accident or emergency arises while you’re away from home. It’s one of the most important things you’ll pack on your trip that you’ll never want to use!

Frequently Asked Questions

Disclaimer

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.