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
The Questions I had Buying International Medical Insurance - and the Answers
IMG has compensated the author for providing this article.
When I was first looking for international medical insurance, I had so many tabs open on my computer. I didn’t know how to start breaking down the information to find the best plan for me.
Since that time and after many calls to different insurance providers, I have learned what to look for and who can provide me the best coverage for my international medical insurance needs.
If you are starting out on your quest for coverage, here are some questions to consider:
Why do I need international health coverage?International medical insurance is a must-have item when you’re embarking on an international trip. Even if you have good insurance in your home country, it may not provide the medical coverage you need while you’re traveling or living internationally.
Consider this: What would happen if you broke your ankle on your trip? Who would you turn to for help if you suddenly encountered a medical emergency and couldn’t speak the local language? Let’s face it: While traveling to another country is an exciting adventure, it’s essential to be realistic about what could happen while you’re away from home.
When you purchase an international medical insurance plan, you get peace of mind that if something does happen, you’ll have the support and benefits you need.
Do I need a short-term or long-term plan?In the international medical insurance world, there are two plan types: short term and long term. There are many other variations of plans, but you’ll want to first identify whether your international trip falls into the first category (generally a trip lasting between five days and one year) or the second category (an international stay lasting longer than one year).
IMG has a multitude of excellent policies to choose from. I have used Patriot Travel Medical Insurance for my short-term trips, and Global Medical Insurance (GMI) for my long-term travel. Take a look at the full list of coverage options available here.
Where do I plan to travel?Some plans offer “coverage areas,” allowing you to select the coverage you need based on where you’re traveling. Other plans are designed specifically for travel to certain countries.
Decide where you plan to travel and narrow your focus to plans that include coverage for that country or region.
What is the plan’s maximum coverage?The plan’s maximum coverage – or “maximum limit” – can be found in the schedule of benefits. Many plans allow you to choose the maximum limit based on your coverage preferences. I typically choose a maximum limit of $1 million or more.
The deductible is the amount you must satisfy before your insurance provider begins to pay for your benefits. I have chosen deductibles ranging from $250 to $10,000, depending on where I’m traveling and what I plan to do while away from home. I like the flexibility I get with IMG’s plans, which allow me to choose the deductible based on my own preference.
Is coverage for an emergency medical evacuation included?For me, coverage for an emergency medical evacuation is an absolute must and a key benefit I always ensure is included. In the worst case scenario, if I become injured or serious ill while abroad, I want to know that my transport to the nearest qualified medical facility is covered.
What is an adventure sports activity?Insurance companies differ on what they classify as an adventure sports activity. If you plan to participate in any non-organized, non-contact sports – such as hiking, scuba diving or skiing – make sure you have thoroughly reviewed your policy.
Many plans offer an adventure sports rider, which is additional coverage for these activities. Take a look at a sample policy certificate or request one from the insurance provider to read the full details on what’s covered.
How much does international medical insurance cost?The cost of international medical insurance varies based on many factors, but in my research and experience, IMG’s plans provide the best coverage at the best price.
Most recently, my annual worldwide coverage through IMG, with the sports rider added on, cost me less than $100 per month, which is an amazing deal! For four months traveling around South America, also with the sports rider included, I paid $254 total for my short-term travel medical insurance.
My advice is to look for the best value for the type of coverage you need.
Who offers the best coverage?Every time I need to purchase my international medical insurance, I browse the marketplace. I can safely say that nothing compares to the coverage options and value that IMG offers me.
On multiple occasions I have had to file claims with IMG and each time was a hassle-free experience. I was reimbursed according to my plan and always corresponded with friendly and helpful team members.
IMG’s Customer Care team, combined with its wide variety of plans, flexible coverage options and price make IMG my international insurance provider of choice. Click here to find the best plan for you.
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.