Travel medical insurance is designed to protect travelers from the cost of unexpected medical expenses and evacuations abroad. It can also reimburse you if you must cancel your trip due to illness, injury, or other covered reasons.
You should always check with your health insurer before you purchase a travel medical policy. Many U.S. health plans don’t cover you outside the country, and Medicare doesn’t work overseas.
HTH Travel Insurance
HTH Travel Insurance provides medical coverage for individuals and families traveling outside of the U.S. They offer several plans for short and long-term trips and also have programs for students.
They have a mobile app that can search for doctors in your area, pay healthcare providers directly and see vaccination requirements. It can also help you find the nearest hospital, pharmacy, and dentist.
The company offers a range of multi-trip and single-trip plans that provide solid emergency medical and dental care, including benefits for pre-existing conditions. These policies are good for long-term travelers who travel often.
They also have group plans for maritime crew members, missionaries, and students. These are a little more unique than the standard annual plans, as they allow travelers to share a project and get rates 10% lower.
Travel Guard
Travel Guard is one of the leading providers of travel insurance and serves millions of travelers each year. In addition, their travel assistance plans offer award-winning customer care and a suite of products trusted daily by travelers worldwide.
They offer three travel insurance plans that fit the needs of most people. Essential, Preferred, and Deluxe, each with its service tier.
Their Plus plan reimburses you 100% of the cost of your trip if it is canceled due to a covered reason like illness or death. Most travelers buy this type of coverage to protect their trip expenses in case they must cancel or delay it.
GeoBlue
GeoBlue offers several travel medical insurance plans. They provide coverage for short, multiple, and long-term travels abroad.
Their travel medical insurance includes options for maximum international medical coverage limits and deductibles that can save travelers money. They also offer global health and safety travel resources such as a doctor search, drug translation guide, medical term translation databases, and health and security news alerts.
They also have travel emergency medical transportation benefits that can pay for evacuation to the nearest adequate hospital if you need treatment beyond what is available locally. Their Voyager Choice and Essential travel medical plans offer up to $500,000 medical evacuation benefits.
GeoBlue is an independent licensee of the Blue Cross Blue Shield Association and is the trade name of Worldwide Insurance Services, LLC in California and New York. It is also an administrator of policies written by 4 Ever Life International Limited, Bermuda.
IMG
IMG has served over a million travelers since 1990 and offers a full-service approach to international travel medical insurance. They have a team of specialists who can help with any travel medical needs.
They also offer a variety of travel protection plans, including their iTravelInsured product line. These plans cover trip cancellation and interruption, baggage loss and delay, emergency medical evacuation, and more.
The IMG Patriot Adventure Travel Medical Insurance plan is an excellent choice for those who love adventure sports like abseiling, snowboarding, and wilderness safaris. This plan covers up to $50,000 maximum benefits for you and your family.
IMG offers two senior travel plans: the Senior GlobeHopper Single-Trip Plan and the Senior GlobeHopper Multi-Trip Plan. Both provide market-leading, affordable coverage for U.S. citizens and permanent residents over 65 traveling abroad.
