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
The Truth About Credit Card Travel Insurance
Many people choose credit cards based on a few key factors: signup incentives, rewards and benefits. However, one of the most common — and most dangerous — misunderstandings about credit card benefits is that they include adequate medical insurance for international travelers.
This article should help you better understand the difference between credit card travel insurance and other more comprehensive plans, which often provide better coverage at a similar cost.
Credit Card Travel Insurance vs. International Health Insurance
There are three types of products designed to provide international health insurance benefits: travel insurance, travel medical insurance and long-term international medical insurance.
Designed to protect the financial investment of your short-term trip and provide emergency medical and dental benefits. Along with coverage for baggage and travel delay, missed connections, change fees and more, travel insurance protects against a specific list of trip cancellation and interruption perils. Most plans cover your domestic and international trips.
Travel Medical Insurance
Designed to provide temporary medical coverage while you’re going on a short-term international trip or if you take multiple international trips throughout the year. Travel Medical Insurance is ideal for international vacationers, students studying abroad, relatives visiting from overseas, groups of executives and more.
Long-Term International Medical Insurance
Designed to provide long-term, continuous global medical insurance for yourself and your family while you’re living or working outside of your country of residence for one year or longer.
The Myth: “I don’t need to purchase additional coverage, because I have travel insurance through my credit card company.”
The Truth: Unlike specially designed products offering international health insurance, your credit card’s benefits likely do not provide extensive coverage for your travels.
Products which include international health benefits purchased from third-party insurance companies such as International Medical Group® (IMG®) provide substantially more coverage than those offered by credit card companies.
They include emergency medical and dental benefits, as well as coverage for emergency medical evacuations, which most credit card companies do not provide. In fact, many cards do not provide any protection or reimbursement in the event you are injured or sick while on your trip.
Additionally, most credit card companies will only provide coverage if the entire trip was booked using the credit card. Some credit cards have deductibles and most credit card companies charge an annual fee, often making it the same cost to purchase more comprehensive coverage through a third-party insurance company.
While it may seem like you’re getting a deal by selecting a card that includes benefits “at no additional cost,” make sure you review the policy, terms and conditions as you may be risking your health by traveling without the proper coverage.
Don’t let your medical coverage be an uncertainty. Travel with one of IMG’s international health insurance plans to receive the benefits and assistance you need while you’re away from home.
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.