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
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.
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.
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.