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 Get Insurance Coverage for the 2017 Hurricane Season
Three weeks after Hurricane Harvey made landfall, leaving devastation in its wake, the western hemisphere is bracing for the impact of Hurricane Irma, an “extremely dangerous” Category 4 storm whose winds have reached up to 185 mph.
What’s more, two more hurricanes — Hurricane Jose and Hurricane Katia —are gathering strength and threatening to make landfall.
Given the recent and upcoming storm activity, it’s not surprising that the National Oceanic and Atmospheric Administration (NOAA) predicts the 2017 hurricane season could be the strongest since 2010.
The NOAA’s 2017 Atlantic Hurricane Season Outlook calls for a 70% probability for each of the following ranges of activity during the 2017 hurricane season, which runs from June 1 through November 30:
- 14-19 named storms
- 5-9 hurricanes
- 2-5 major hurricanes
How to Protect Yourself During Hurricane Season
Travel insurance and travel medical insurance provide important benefits that can protect you when you’re away from home during hurricane season. With coverage from International Medical Group®(IMG®), you could be eligible for the below benefits, depending on the type of plan you purchase.
Get Travel Insurance for Your Trip
IMG’s iTravelInsured® travel insurance plans provide the following natural disaster protection benefits:
- You can cancel or interrupt your trip if you or your traveling companion’s primary residence or destination is rendered uninhabitable and remains uninhabitable during your scheduled trip due to a natural disaster, if the common carrier has complete cessation of services for more than six hours due to inclement weather, or if there is a government mandated shutdown of the airport or air traffic control system due to a natural disaster.
- You can cancel your trip within 24 hours of your scheduled trip if your destination is under a hurricane warning issued by the NOAA (cancellation must occur more than 14 days following your effective date).
- You can receive Missed Connection benefits if you miss your cruise or departure because your arrival at your trip destination is delayed for three or more hours due to a documented weather condition.
- If you are delayed from six to 12 hours (depending on your plan) while en route to, from or during your trip due to a documented weather condition, you can receive reimbursement for reasonable accommodation, meal and local transportation expenses.
- Please note: You must purchase your travel insurance policy before a storm is named in order to receive any benefits relating to the natural disaster.
Protect Your Health With Travel Medical Insurance
IMG’s Patriot Travel Medical Insurance® provides natural disaster protection benefits as well as key medical coverage.
- Accommodations: IMG will pay $100 per day for up to five days for accommodations if you are displaced from your scheduled, paid accommodations due to an evacuation before a forecasted natural disaster or following a natural disaster.
- Trip Interruption: If you can’t continue your trip due to serious damage to your principal residence caused by a natural disaster, IMG will reimburse you up to $5,000 to travel home.
- Evacuation: If you become seriously injured during a natural disaster, IMG provides emergency medical evacuation benefits up to $500,000 to transport you to the nearest qualified medical facility to receive appropriate care.
Review your policy and contact IMG if you have any questions regarding your coverage, and don't wait until it's too late to get more information on IMG’s Travel Insurance and Travel Medical Insurance plans.
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.