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 do Before Traveling Internationally with Your Children
When our children were still in elementary school, my neighbor and I made what some considered a radical decision. We decided to take our kids to Botswana and Zimbabwe on a safari trip.
Although some people thought we were putting our children at risk by taking them on this adventure, it actually turned out to be the journey of a lifetime. This trip also launched my desire to see as much of this amazing world as possible, and I've now explored more than 15 different countries - most with either one or both of my kids.
While each of these trips has been rewarding, I've also discovered that traveling internationally with children can have its challenges. One slip. One mistake. That's all it takes to ruin a vacation. That’s why it’s extremely important to do your research and have all of your ducks in a row before heading to the airport!
Three Things to do Before Traveling with Your Children Internationally
Check Everyone's Passports Carefully
Then check again. Children's passports typically have different expiration dates than adults. For example, in some countries -- including the United States, Australia and the United Kingdom, your passport will expire in 10 years if you are 16 years of age or older. But if you are 15 years and younger, your passport will expire after 5 years. In other countries, the ages may differ slightly. For example, in Japan, if you are 18 years or older, your passport will be good for 10 years. If you are younger than that, your passport will expire after five years. And in Italy, your passport is good for 10 years if you are 18 years and over; 5 years if you are between the ages of 3 and 18 years; and 3 years for youngsters under the age of 3.
Also, if you are applying for your children's first passports, make sure to give yourself plenty of time. When I applied for my children's first passports, I discovered that the birth certificates I had were not the required official copies. So before I could even apply for my children's passports, I had to request copies of their birth certificates. Fortunately, I had started this process well in advance of our trip, so I was able to get both their birth certificates and passports in time for our vacation.
Obtain a letter of consent. If you will be traveling without the other parent of your children, make sure to obtain a letter of consent from them that says it's okay for you to take your underage kids out of the country. Most of the times you won't be asked for this letter, but if an immigration officer or airline asks you for this document and you don't have it, you could be denied entry into a country or you might not be allowed to board a plane. These letters are strongly recommended by government officials in many countries, including Canada and the United States, and are required to enter others, including South Africa. And if you are divorced or separated and traveling alone with your child to France, you should bring a letter of consent and a copy of the other parent's passport.
Purchase Insurance - Both Travel and Medical
I always purchase travel insurance because international travel is so expensive. Another reason why I purchase travel insurance? I have an elderly mother. And while I don't like thinking about it, there is always the possibility that she could become ill, which could in turn cause me to cancel a trip. If that would occur and I didn't have travel insurance, I could be out a whole lot of money.
Then there is travel medical insurance. This is especially important to have when you're traveling with children. Why? Because according to the CDC, children traveling internationally, "Face most of the same health risks as their parents, but the consequences can be more serious." For example, when children fall ill with traveler's diarrhea, they can become quickly dehydrated.
I learned firsthand how easily it is to fall prey to stomach issues while in India. During my journey in that country, almost everyone in our tour group, including my daughter and me, fell victim to the dreaded Delhi belly. Knowing we were covered if we needed medical help provided comfort in that uncomfortable situation!
Our Kids are Our World - See it with Yours
Wherever in the world you decide to go, make sure you’re prepared beforehand. Traveling with your kids can be life-changing, but small mistakes can make a big impact on your experience.
Travel rules and regulations can change quickly, so it's always important to check with your country's official websites to ensure that you have the most current information available before you and your family embark on your international journey. Don’t forget to purchase insurance and review the documents you need to travel internationally!
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.