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
Why You Need Mission Trip Insurance
Are you about to embark on a mission trip? You are not alone. More than 2 million U.S. citizens are expected to travel overseas in 2017 on missions or other social good trips.
For participants, these trips are not just a way for them to give back to the world, but also a way to gain a new perspective on their own lives and to achieve personal growth. These trips can also be very empowering. Participants often learn new skills and tackle projects that they normally would not attempt.
Of course, traveling abroad on a mission trip does carry some risks. That’s why experts recommend you obtain mission trip insurance if the group you will be traveling with does not already provide it.
Why Mission Trip Insurance is Essential
Traditional health insurance policies may not cover you for medical treatment outside of the United States
If you already have a health insurance policy, contact your provider to see if your plan will cover the costs of any medical treatment you may require while you're out of the country. Many plans, including Medicare plans, do not.
Other plans may only cover your care if you are treated at a medical facility within your provider’s network. Of course, that may not always be possible, especially if you will be performing your mission work in a developing country. Fortunately, medical insurance for missionaries is relatively inexpensive.
You May Require an Emergency Medical Evacuation During your Mission
You face many risks while traveling to developing countries. If you become seriously ill or injured, know that emergency medical evacuations could cost between $20,000 and $170,000 depending on how far you need to be transported and where you’re located. Look for mission trip insurance that provides coverage for an emergency medical evacuation to avoid these staggering costs, and to ensure you’re covered if you need emergency transportation to a qualified medical facility.
You Could Require an Emergency Reunion
If you should become seriously ill or suffer an injury that leaves you hospitalized during your mission trip, you could require the assistance or company of a friend or family member. Depending on your policy, mission trip insurance could actually pay for the transportation and lodging of a loved one so they can be at your side during your treatment and recovery. This is known as an emergency reunion benefit.
You Might Have a Dental Emergency
There’s no good time to encounter a dental emergency – and if you should face one while on your trip, you’ll need the necessary coverage for treatment.
Some mission trip insurance policies provide coverage for dental emergencies, including treatment due to an accident or unexpected pain to your otherwise sound, natural teeth. This important coverage will provide you more peace of mind so you can focus on your mission work.
When choosing coverage, make sure you select mission trip insurance rather than a general travel insurance or travel medical insurance policy. Designed specifically to meet the needs of missionaries and those performing social good, mission trip insurance provides the short-term or long-term medical coverage you need, without the benefits you don’t.
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.