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
How to Stay Healthy While Traveling Solo
Whether you're on a multi-country business trip, embarking on a solo international vacation, or living full-time in another country, being away from home can be dangerous for your health. In order to protect yourself, it's important to pay close attention to how you are treating your mind and body on your journey.
Tips for Staying Healthy While Traveling Solo
Maintain Your Mental Health
One of the worst feelings you might suffer while traveling alone is crushing loneliness and isolation. You'll be in a new country and culture, surrounded by people who may not speak your native language.
Loneliness has been shown to have a number of negative effects on health, including an increased risk of heart disease, Type 2 diabetes, arthritis and Alzheimer’s disease.
Here are a few simple ways to maintain your mental health while traveling solo:
- Use Technology to Stay Connected. Use Skype or Whatsapp to stay in touch with your friends and family back home. While it won't replace a hug, it still goes a long way in relieving stress and making you feel loved.
- Engage in the Culture. One of the best ways to get over your sadness is to keep exploring and adventuring. Keep yourself busy by going to local events, trying new foods and experiences, and having fun with the locals.
- Go to Expat Meetups. Meetings with expats are a great way to make new, like-minded friends from across the world, helping you feel less alone. Check local websites, bars, and other venues to find meetings you can attend.
Maintain Your Physical Health
Being in a foreign country means you won't have access to your local gym. It also means you might be splurging on exotic foods high in saturated fat and carbohydrates, both of which contribute to obesity and reduce the effectiveness of your immune system. In order to keep your body fit and nourished, keep these tips in mind.
- Try Workout Videos. Just because you don't have access to a gym, doesn't mean you still can't break a sweat. There are a number of online workout programs that you can complete from the comfort of your hotel room or apartment.
- Prepare Your Own Meals. While you might be tempted to eat out every night, this probably isn't the healthiest option. Cut down on calories and get more nutrients by prepping your own meals using locally grown ingredients.
- Take Healthful Supplements. Because your diet might be different from normal, you might be lacking certain vitamins and minerals. In particular, taking vitamin C, vitamin B-6, and vitamin E supplements are proven to boost your immune system.
Stop Worrying so You can Enjoy your Trip!
While following these tips will help you maintain your mental and physical health, emergencies do happen. You should always have a plan in place in case you get injured or fall ill. Do what you can from this list to take care of yourself while traveling solo - but also be sure to purchase short-term or long-term international medical insurance from IMG to safeguard against the unexpected!
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.