Insurance
Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.
Find Your PlanWhat type of coverage
do you need?
Travel Medical
Insurance
Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.
International Health Insurance
Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.
Travel
Insurance
Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.
Enterprise Services
Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.
Show ServicesWhat type of organization do you represent?
Medical & Travel
Assistance
Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.
Global Workers' Compensation Case Management
Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.
Security Assistance
Services
Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.
Insurance Administrative
Services
You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.
Travel Medical Insurance
See Prices & Compare Our Travel Medical Plans
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. For more information, check out our blog: "How to Choose the Best Travel Medical Insurance Plan."
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
Additional Travel Medical Insurance Plans
Patriot Lite Travel Medical Insurance
Temporary health insurance for individuals, families, and groups when traveling outside of your home country.
Visitors Care
Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.
Student & Scholar Insurance
Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.
GlobeHopper Senior
Temporary health insurance for travelers age 65+ when traveling outside of your home country.
Patriot Multi-Trip Travel Medical Insurance
Annual multi-trip travel medical insurance for individuals, families and groups.
Outreach Travel Medical Insurance
Temporary health insurance for missionaries and mission groups when traveling outside of your home country.
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 Why You Need Travel Medical Insurance Now More Than Ever 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. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You.
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
Why You Need Travel Medical Insurance Now More than Ever
In the first half of 2017, destinations across the globe welcomed more than 598 million international tourists, a 6% increase — or some 36 million more travelers — compared to the first half of 2016, the World Tourism Organization reports. This increase represents the strongest half-year recorded since 2010.
With international travel on the rise, it has never been more important to have travel medical insurance. Here’s why:
- Travelers can’t control the uncontrollable.
- Coverage is affordable, especially when compared to the medical costs international travelers could face.
- Many vacationers mistakenly think they already have international health coverage.
International Vacationers Face Uncertainties While Traveling
Terror attacks, political unrest and unexpected medical emergencies remind travelers that they can’t control the uncontrollable.
Various events worldwide have greatly impacted the perceived safety of international travelers. Nearly 50% of people now have “serious safety and security concerns, especially about certain countries, and about two-thirds of them plan to only travel to international destinations they perceive as being safe,” according to the 2016-17 ITB World Travel Trends Report.
Despite this perception, threats of injuries and illnesses remain a more common risk to international travelers.
Causes of illnesses and other health risks vary by destination, itinerary, duration of journey and medical history of the traveler, but common causes of injuries can be more easily summarized. Road traffic collisions are the most frequent cause of injury and death among travelers, the World Health Organization (WHO) reports on its website.
Considering the risks, International Medical Group® (IMG®) advises international travelers to purchase a travel medical insurance plan to protect their health. While a travel medical plan can’t prevent emergencies, it can help travelers mitigate the ensuing costs, navigate care in a foreign country and access the expert assistance they may need when facing a medical emergency abroad.
With a travel medical insurance plan, they can receive the following benefits:
- Emergency medical and dental, including emergency medical evacuation
- Political evacuation, natural disaster and terrorism
- Emergency transportation
- Physician visits
- Diagnostic procedures
- Prescription medication
- Accidental death and dismemberment (AD&D)
- Repatriation of mortal remains or cremation/burial
This is a summary of a selection of plan benefits offered only as an illustration and does not supersede in any way the Certificate of Insurance and governing policy documents (together the “Insurance Contract”). The Insurance Contract is the only source of the actual benefits provided.
Coverage Costs Less Than Travelers May Think
For vacationers and holidaymakers, travel medical insurance offers an affordable option for coverage. At IMG, these plans can cost less than $3 per day (based on an average plan).
In many cases, travel medical insurance is a nominal expense, especially when compared to the costs international travelers may face without it. For example, an emergency medical evacuation could cost between $20,000 and $170,000 USD, depending on how far the person needs to be transported and where they’re located.
Navigating international medical care, itself, can also be problematic. Unfortunately, news reports have documented problems such as travelers being asked to surrender their passports and provide a monetary deposit prior to the delivery of even the most critical lifesaving care.
Given the costs (and risks) associated with becoming ill or injured while traveling internationally, the added expense of travel medical insurance is well worth a traveler’s investment.
Travelers Often Misunderstand Coverage Options
Many travelers assume they’re covered by other policies when they travel internationally — but they’re often not.
For instance, they may assume their U.S. health insurance or Medicare will provide international coverage in case of medical emergencies. However, that isn’t always the case. Not all domestic health insurance policies provide international coverage. The plans that do often provide limited benefits — without the emergency assistance benefits travelers may require when facing an emergency outside of the U.S.
Other travelers believe they have adequate international coverage through their credit card company. However, many cards do not provide travelers any protection or reimbursement in the event they become injured or sick while on their trip. Most credit card companies will only provide coverage if the entire trip was booked using the credit card.
These common misconceptions often lead to a false sense of security for travelers. To best protect their health while they’re away from home, travelers should take proper health and safety precautions and research travel medical insurance options to find a plan that’s right for them.
Get the Coverage You Need
Travel medical insurance provides individual, family and group coverage usually for five days up to two years. These plans are designed to protect travelers in the event of an illness or injury when they’re traveling outside of their country of residence.
There are two types of plans: single-trip travel medical and multi-trip travel medical. As their names suggest, the former covers a single trip, while the latter covers multiple short-term trips throughout the year.
The coverage is ideal for international vacationers, students studying abroad, relatives visiting from overseas, groups of executives and others.
If you’re planning an international trip, browse IMG’s travel medical insurance plans to get the coverage you need to protect your health while you’re away from home.
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.