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 Look For When Choosing International Health Insurance
So you’re traveling internationally. Now what? One of the most important things you should do is purchase an international medical insurance plan to cover you during your trip or extended stay abroad.
Don’t be afraid if you have questions or feel overwhelmed the first time you set out on your search for coverage. Before I knew IMG was my provider of choice, I had so many questions: What’s the difference between short-term and long-term plans? What do these insurance terms mean? What’s the best plan for me and where do I buy it? The list goes on.
In searching for the answers to these questions, I had dozens of tabs open on my computer, trying to sift through all of the information. The experience was exhausting, but I also learned what to look for when buying international medical insurance — both short-term and long-term plans.
To provide you a good starting point on your quest for coverage, here’s what I learned!
Three Steps for Choosing International Health Insurance
Step 1: Decide if you need short-term or long-term coverage
At first, I didn’t even realize there was a difference between these two types of coverage. It turns out that the benefits vary based on the type of plan you select, with long-term plans providing more options for coverage, including dental and vision benefits.
So first, identify:
- Are you going on a short-term trip (less than one year) or multiple international trips throughout the year? If so, travel medical insurance (short-term coverage) may be right for you.
- Are you going to be spending more than a year living or working outside of your country of residence? If so, international medical insurance (long-term coverage) may be right for you.
In the past, I have been covered by two different plans from IMG and happily recommend them to my friends and family:
Patriot International Travel Medical Insurance
The Patriot Plan provides individual, family and group coverage usually for five days up to two years. I purchase this plan when I am going on a shorter trip and seeking overall coverage for accidents, illnesses or medical emergencies.
Global Medical Insurance
The Global Medical Insurance Plan provides continuous worldwide medical coverage to people who are living or working outside of their country of residence for one year or longer. This is one of my favorite plans that IMG offers. My husband and I have bought and used this plan three times while we lived abroad in Australia for most of two years and while traveling through Southeast Asia for a year.
Step 2: Take a Look at the Plan Benefits
I can still clearly remember reading and re-reading the benefit summaries when I first considered purchasing international coverage.
Overwhelmed at the time, I remember making several calls to IMG’s Customer Care department to learn the ins and outs of their plans. Every time I called, a friendly and helpful team member was able to answer my questions and explain unfamiliar terms to me so I could feel confident when purchasing coverage. That’s one of the many reasons I am such a loyal IMG customer.
Now, having learned from the experts, here’s what I look at when buying a plan:
- Maximum Limit - It’s important to look at the plan’s maximum limit, which is the total amount the insurance company will pay over a period of time to satisfy claims on that policy. For peace of mind, I typically look for plans with maximum limits at $1 million or more.
- Emergency Medical Evacuation Benefit - This is the second thing I look for in coverage. I want to make sure my plan includes emergency medical evacuation to a nearby medical facility in the event I become seriously ill or injured.
- Adventure Sports Coverage - I am an active traveler. I go hiking, take boat trips and go scuba diving. Different insurance companies define “adventure sports” differently, so if you are planning to do any activities while traveling, be sure to read the policy’s definition of adventure sports. It is typical for this to be included as add-on coverage, or a benefit “rider.” Every time I purchase coverage from IMG, I always include this option, and I am very relieved to be able to do so.
- Exclusions - Most plans will have some conditions that are excluded from coverage. Carefully review this part of the insurance plan to make sure none of them apply to you or your situation. If you are ever in doubt, it is always better to call the insurance company and ask.
- Deductible - The deductible — or amount you must satisfy before your insurance company begins to pay for benefits — can be chosen based on your budget and personal preference. 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.
Step 3: Read Reviews for the Insurance Plan You're Considering
In the age of the Internet, it’s easier than ever to look for reviews of a product. Do Web searches and look for travel forums. You can also post questions on sites like Trip Advisor and ask other travelers if they are happy with a company’s international medical insurance products.
The good news is when you are planning a big trip, researching international medical insurance is one chore you can do well in advance. Doing so will give you ample time to read, research and ask questions before making your purchase.
Each time I need to buy short-term or long-term coverage, I browse the marketplace to review my options, but nothing comes close to the coverage and competitive price of IMG’s plans. Every time I hop on a plane, I am so thankful to have coverage from IMG traveling with me.
For over a decade, Tiffany Soukup has traveled to more than 35 countries with her husband Chris, hiking into remote jungles, looking for endangered wildlife and seeking adventures.
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.