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.

Popular Travel Medical Plans
Ideal for Traveling Outside of Your Home Country

Most Popular

Patriot Travel Medical Insurance

Temporary health insurance for individuals, families and groups

Highlights

  • Travel medical insurance for individuals, families and groups
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum limits from $50,000 to $2,000,000
  • Coverage for medical expenses, evacuation, and repatriation
Price:
Coverage:
Recommended

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

Highlights

  • Coverage for non-U.S. residents traveling to the USA
  • Renewable up to 24 months
  • Deductible options from $0 to $2,500
  • Maximum Limits from $10,000 to $500,000 
  • Coverage for acute onset of pre-existing conditions
Price:
Coverage:

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families and groups

Highlights

  • Travel medical insurance for individuals, families and groups
  • Renewable up to 36 months
  • Deductible options from $0 to $25,000
  • Maximum limits from $1,000,000 to $8,000,000
  • Coverage for the sudden and unexpected recurrence of pre-existing conditions
Price:
Coverage:

Additional Travel Medical Insurance Plans

 

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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.

Factors that Determine Cost
The cost of a plan varies based on many factors including:

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.

Destination

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.

Other Situations

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 File an Insurance Claim While Traveling

Jul 21, 2017, 11:19 AM by Alec Synnestvedt
IMG has compensated the author for providing this article.

My husband Chris and I have been traveling and working around the world for over 10 years. We’ve climbed to the top of trees higher than Niagara Falls, swam with a dozen bull sharks in the Pacific Ocean and hiked in the remote backcountry of New Zealand. 

Although we have managed to stay safe and healthy for most of our travels, we have experienced our fair share of emergencies, including the time Chris got bit by a stray dog at a Buddhist temple in Thailand – but that’s a whole other story.  

Even then, we were confident in our IMG coverage and have always had the support we needed when seeking treatment and learning how to submit an insurance claim. Should you happen to find yourself on the road and needing to file a claim, here are answers to frequently asked questions that can help you navigate the claim process.  

How do I submit an insurance claim?

First, you're going to need good travel health or medical insurance coverage - these are two good options:

After you receive treatment or medical services for an illness or injury, you should always submit a claim to your travel health insurance company. This process lets them know that you are receiving medical treatment and allows them to watch for appropriate billing to be filed on your behalf. 

If you have any questions about filing your claim, including the time frame for submitting it, contact your insurance company as soon as possible. Otherwise, follow these basic steps to submit an insurance claim:

Step 1: Collect itemized receipts.

In many instances, especially if you are traveling abroad, you might need to pay the bill at the time of service and then submit a claim for reimbursement. It is imperative that you ask the medical facility for itemized receipts that detail the services or treatment you received. Ask if the receipts can be printed on official letterhead or if they have a stamp with their contact information that they can put on the receipts. I also grab a couple business cards so I have a quick and easy way to reference which facility I visited.

Step 2: Submit your claim online.

The simplest way to file a claim is to submit it electronically through your insurance company’s online member portal. Follow the prompts to complete the electronic claim form; this will provide your insurance company more information on the illness or injury for which you received treatment. 

You will be asked to attach receipts from your visit, so be sure to have your itemized receipts on hand. You can use your phone or camera to take pictures of the receipts, or you can find a place that will scan them so you can upload them to your electronic claim form. Make sure the pictures or scanned copies are in focus, legible and the contact information is easy to find. PRO TIP: When traveling, carry an inexpensive flash drive so you can easily transfer photos if needed. 

Some insurance companies ask that claims to be submitted via email. If that’s the case with your provider, locate their claim form online and attach the completed form along with your itemized receipts to the email. 

Step 2 Alternative Option: Mail your Claim

If your insurance company does not offer online submission, you may need to mail them your claim. Gather the itemized receipts and complete a claim form, making copies of all documents for your records. After you’ve mailed your claim, call your insurance company as soon as possible to let them know you have submitted a claim via mail, and follow up again within 30 days to confirm that they have received it. Most policies have a deadline for submitting claims (typically 90 days), so it’s important to communicate with your insurance company to ensure your claim is submitted in a timely manner. 

If your insurance company does not offer online submission, you may need to mail them your claim. Gather the itemized receipts and complete a claim form, making copies of all documents for your records. After you’ve mailed your claim, call your insurance company as soon as possible to let them know you have submitted a claim via mail, and follow up again within 30 days to confirm that they have received it. Most policies have a deadline for submitting claims (typically 90 days), so it’s important to communicate with your insurance company to ensure your claim is submitted in a timely manner. 

Step 3: Monitor Your Claim's Progress

Once your claim has been processed, you should receive an Explanation of Benefits (EOB) that details how your claim was paid and/or request additional information needed to review and process your claim. If you submitted your claim through your insurance company’s online member portal, log in to track your claim’s progress and to submit any additional documentation that is requested. 

Answers to Travel Health Insurance Claims FAQs

How long does it take to process a claim?

Industry standards suggest it can take 30 to 90 days to process a claim. Be sure to note that the process can be delayed if you are required to submit additional information to complete your claim request. Review your Explanation of Benefits carefully to ensure your provider has everything they need. 

It really pays to take the time to fill out your claim neatly, accurately and completely the first time. Personally, all my claims with IMG have been processed and checks mailed in less than 30 days. 

How do I get reimbursed?

Claim reimbursements are typically issued via check and mailed to the permanent address you have on file with the insurance company. 

The amount you receive is based on eligible medical expenses less your deductible and co-insurance, or out-of-pocket expenses per the plan wording.  

If you are a long-term traveler like me, it may be worthwhile to designate a power of attorney who is authorized on your behalf to deposit checks and handle other financial matters for you while you’re traveling. 

What if the amount of my claim is low and I know I still have to meet my deductible — is it worth filing a claim?

Yes! You should always submit a claim with your insurance company regardless how small the expense may be or whether you’ve met your deductible. 

It is important for your insurance company to be aware of any charges filed on your behalf. Plus, if you’re traveling for an extended period, the medical expenses you paid out of pocket will be applied to your deductible in the event you need to file another claim in the future. 

As a traveler, I understand that submitting a claim may not be the best part of your trip. But in my experience, it has been a seamless and painless process that ultimately gives me peace of mind. This is what insurance is for, after all! 

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. Tiffany has been an IMG member since 2007.

Frequently Asked Questions

Disclaimer

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.