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Does Your Medical Aid Cover You Overseas? Tips for if You're Travelling

For many South Africans, travelling to exotic international destinations is the highlight of a lifetime. However, an accident or illness could ruin the experience. If you're not covered for medical emergencies overseas, your trip could also prove disastrously expensive.

We consider whether and how South African medical aids cover international medical expenses, and how you can mitigate the financial risks when travelling outside South Africa's borders.

International travel benefits

Most open medical aid schemes in South Africa do offer limited cover to members travelling outside the country. Schemes generally outsource the international component to travel partners, such as ER24 and Europ Assistance.

Principal members and beneficiaries are covered for up to 90 days from the date of departure. Benefits apply to medical emergencies, and are limited to between R5 million and R10 million per trip. Cover can extend to an emergency medical evacuation or repatriation.

It's important to note that international travel cover is often excluded from low cost entry level plans. Members of the Discovery Health KeyCare Series and the BonCap option by Bonitas, for instance, are not covered, and will have to make alternative arrangements.

Tip #1: Before you set off, find out if your medical aid plan has international travel benefits.

What's excluded from cover?

There are certain instances when medical aids will not pay for emergency treatment overseas. Common exclusions are:

• healthcare services excluded by waiting periods
• pre-existing conditions
• general exclusions quoted in the medical aid schemes' T&Cs
• high-risk adventure sports.

Tip #2: If you're an adrenalin junkie, consider topping up your international travel benefits with a policy that specifically includes cover for hazardous sports, such as Sanlam's Go Cover app .

The medical emergencies claims process

If a medical emergency requires surgery, expensive procedures and/or an extended stay in hospital, you'll need to obtain authorisation and a payment guarantee from your medical aid's travel partner. Payment is then made directly to the healthcare service providers.

In less expensive scenarios, you'll usually be expected to pay the costs from your own pocket, and claim the money back from your medical aid on your return to South Africa. A nominal co-payment may apply for treatment conducted out of hospital.

Tip #3: You can expedite the claims process by submitting the original account detailing the expenses, along with proof of payment, and a copy of the entry and exit stamps in your passport.

How top medical aids cover international medical emergencies

Let's compare international travel benefits offered by top medical aid schemes in South Africa.

Momentum Health

In partnership with Europ Assistance, Momentum Health offers international travel benefits on all its plans. Cover is limited to R5 million per beneficiary, and benefits include emergency transportation, evacuation and repatriation.

A co-payment of R1 300 applies to all emergency claims, and members and dependents are covered for 90 days. Authorisation is required for expenses of more than R5 000.

Bonitas uses ER24 as its international travel partner. All members, with the exception of BonCap subscribers, are eligible for medical emergency cover in and out of hospital.

Cover extends for 90 days, and is limited to R5 million and R10 million per beneficiary and per family per trip, respectively. There's an emergency optical and dental benefit and cover for mandatory travel vaccinations, travel assist services, and emergency transportation and evacuation.

Discovery Health

Discovery Health 's international travel benefit covers emergency medical costs, up to R10 million per person per journey, for up to 90 days. Benefits do not apply to members of the KeyCare Series.

The largest medical scheme in South Africa uses ER24 as its international travel partner. In addition to the international travel benefit, Discovery Health offers emergency medical evacuations from specified sub-Saharan countries via the Africa benefit.

Tip #4: Are you a frequent traveller? Consider switching to a medical aid scheme with favourable international travel benefits.

Travel insurance

Whether your medical aid option offers international travel benefits or not, it's a good idea to optimise your cover. In some cases – like when you pay for your air ticket with your credit card – you'll automatically get free travel insurance.

If you'll be travelling for more than 90 days, or are planning to scuba dive, paraglide, ski, summit a mountain peak or visit potentially dangerous areas, it's best to purchase comprehensive travel insurance as a separate product. This also means you'll enjoy benefits that aren't available from your medical aid, such as cover for lost baggage, stolen goods and cancelled flights.

Tip #5: If you're planning an extended trip abroad, maximise your cover with international travel insurance.

At IFC, we offer informed, objective advice about South African medical aid schemes , and can assist you in joining the scheme that best suits your needs and budget . Contact us for more information or to discuss your needs.

Related posts

The Employee’s Guide to Medical Aids

Good News for Members: Generally Low Medical Aid Premium Increases for 2021

Medical Aid Schemes that Cover Glaucoma

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Buying the Best Travel Medical Insurance for You [2024]

Christy Rodriguez

Travel & Finance Content Contributor

88 Published Articles

Countries Visited: 36 U.S. States Visited: 31

Keri Stooksbury

Editor-in-Chief

35 Published Articles 3237 Edited Articles

Countries Visited: 47 U.S. States Visited: 28

Table of Contents

What is travel medical insurance, what does travel medical insurance cover, what doesn’t travel medical insurance cover, what travel medical insurance isn’t, how does travel medical insurance work, how much does travel medical insurance cost, which company has the best travel medical insurance, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The thought of getting sick or injured while traveling can be one of the most stressful aspects of planning a trip. Often, travelers assume that their primary health insurance will cover all costs of medical expenses on their trip, but not every health insurance plan covers every country and situation.

To ensure you have coverage if you need it, you may need to consider purchasing travel medical insurance. This can fill the gap between your regular insurance and any coverage you may have with your credit cards . We’ll break down all of the important details and tell you everything you should know about travel medical insurance.

If you are traveling domestically within your own country, you will likely be covered by your primary health insurance. If you are traveling abroad, your coverage may not extend to those other countries. This is primarily where travel medical insurance comes into play.

Travel medical insurance is a type of international insurance designed to cover emergency health care costs you might face when you are traveling or vacationing abroad.

A travel medical policy can be an important addition to your trip since your primary health plan may not cover you fully if you need assistance outside of your home country. An uninsured injury or illness abroad can result in a huge financial burden that can be significantly reduced by having travel medical insurance.

Bottom Line: Travel medical insurance is recommended by the U.S. Department of State, the Centers for Disease Control and Prevention (CDC), and the World Health Organization (WHO).

According to Allianz Travel, the most common overseas medical emergencies that are claimed include:

• Fractures from falls
• Cardiovascular problems such as a heart attack or stroke
• Trauma involving motor vehicles
• Respiratory problems such as a collapsed lung

So going with that first item, let’s say you’re exploring Europe and end up twisting your ankle on the beautiful, but uneven cobblestone streets in Rome. Depending on the plan you choose, you may be covered for:

• The cost of a local ambulance to transport you to the hospital
• Your emergency room co-payment
• The bill for your hospital room and board
• Any other eligible medical expenses, up to your plan limits

But there are limitations to travel medical insurance. Before you purchase a plan, it’s important to know exactly what you are buying — including which things are and aren’t included in your coverage.

Travel medical plans are designed to help in the event of an unforeseen illness or injury while traveling abroad. Travel medical insurance offers emergency medical expense coverage as well as emergency evacuation coverage. This means that the plan will reimburse you for reasonable and customary costs of emergency medical and dental care (up to the plan limits — discussed below).

It is important to look closely at all plans you are interested in since many important things are hidden in the details. You might also find it helpful to brush up on your insurance lingo before doing this.

Plan Limits

Travel medical insurance covers emergency medical costs up to the plan limit. Plan limits vary greatly by plan but typically fall between $50,000 and $2,000,000. This is obviously a HUGE range, so you will have to determine the correct amount of coverage based on a few key items:

• How much (if any) will your own health insurance plan or credit card cover when you’re traveling outside of your home country? As we discussed above, Medicare doesn’t cover you at all outside of the U.S., so this would be an instance where you might want your plan’s coverage limit to be higher.
• How long is your trip? If you’re going to be away for more than 1 to 2 months, you might want a higher plan limit to account for the greater exposure to risk.
• Do you need extra coverage due to risky activities? For example, if you expect to ski, mountain climb, or do any other risky activities where you might get injured, you might want a higher plan limit.
• What do you feel comfortable with?  If you feel safer having $100,000 as opposed to $50,000, then that may be the right decision for you. This insurance plan should provide you a sense of security so you can enjoy your trip.
• Deductibles

Most medical single trip plans have some sort of deductible that you must pay before any benefits will be paid. After this, your travel medical insurance will cover any remaining costs, up to the plan’s limit.

However, you will be offered the option to increase, decrease, or remove the deductible altogether. Based on this choice, the price you pay (aka the premium) will be affected accordingly. For example, if you choose a higher deductible, your premium will decrease. If you choose a lower (or no) deductible, your premium will increase.

Length of Trip

You are covered by travel medical insurance based on the type of plan you purchase. These come in 3 types:

Single-Trip Coverage

This is the most common type of travel medical insurance. When you leave your home, go on a trip, and then return home, this is considered to be a single trip. While on your trip, you can still visit multiple countries and destinations all under the umbrella of this single trip. You will be covered for the duration of this trip under a single trip travel medical insurance plan.

Multi-Trip Coverage

Multi-trip coverage is for multiple trips and often purchased in 3-, 6-, and 12-month segments.

Long-Term Coverage

This is continuous medical coverage for the long-term traveler (think expats or people working abroad) and is typically paid on a monthly basis.

Does Travel Medical Insurance Cover COVID-19?

Many travel insurance policies offer good medical coverage, but not all plans cover expenses related to COVID-19 . If that’s important to you, make sure to verify that the plan you’re buying specifically covers you in case you contract COVID-19.

In general, cancellations due to fear of travel are not covered. However, some plans cover you if you or your covered traveling companion were to become sick as a result of COVID-19. This means that you could still receive benefits for the losses that are covered by the plan.

Many countries around the world , such as Costa Rica and the United Arab Emirates, are even requiring travelers to hold a specific level of medical coverage to account for COVID-19-related medical care and evacuation.

In addition, “ Cancel for Any Reason ” has become a hot topic. This optional coverage is not available with all plans but lets you cancel a trip for a partial refund no matter what your reason — including unexpected travel bans, lengthy quarantine periods, or cancellations due to concerns over COVID-19.

Since travel medical insurance is meant to cover emergencies, certain types of expenses are excluded from most travel medical policies. In addition, for insurance purposes, a pre-existing condition is general defined as any condition:

• For which medical advice, diagnosis, care, or treatment was recommended or received within a defined period of time prior to your coverage date (varies from plan to plan, but is typically within 60 days to 2 years)
• That would cause a “reasonably prudent person” to seek medical advice, diagnosis, care, or treatment prior to your coverage date
• That existed prior to your effective date of coverage, whether or not it was known to you (commonly includes pregnancy)

Hot Tip: You do not need a medical examination in order to purchase travel insurance. If you have a claim, the insurance company will investigate to ensure that your claim occurred during the coverage period of your policy and wasn’t a result of any pre-existing conditions.

Here are some of the most frequent exclusions:

• Pre-existing conditions as defined above
• Routine medical examinations and care (i.e. wellness exams, ongoing prescriptions, etc.)
• Routine prenatal, pregnancy, childbirth, and post-natal care
• Medical expenses for injury or illness caused by extreme sports
• Mental health disorders
• Injury caused by the effects of intoxication or illegal drugs
• Payments exceeding the plan limit

Unless you’ve purchased a comprehensive travel insurance plan, other exclusions include claims related to:

• Trip cancellation
• Lost luggage
• Rental car damage

Be sure to read the description of coverage for any plan you’re considering before you make the purchase. While reading the entire document front to back can be tedious, it’s better to know what’s excluded before you attempt to make a claim.

Now that we’ve let you know what is and isn’t covered by travel medical insurance, we’ll also breakdown the difference between travel medical insurance and other similar options.

Comprehensive Travel Insurance

Comprehensive travel insurance plans offer the most benefits of all plan types and will typically include medical coverage. It can offer you additional coverage for things like trip cancellation, trip delay and cancellation, lost luggage, and more. It’s the best way to cover a host of potential common travel-related problems.

Some comprehensive plans also offer additional coverage for things like rental car damage, Cancel for Any Reason, or a pre-existing condition waiver.

Bottom Line: Comprehensive travel insurance is a full-service plan and includes travel medical coverage as well as other coverages that will protect all aspects of your trip. 

Health Insurance

You might be thinking that already have medical insurance provided by your employer or through Medicare. However, when you travel to other countries, your primary health insurance might not go with you. Before your trip, check to see whether your domestic plan provides any coverage once you’ve left your home country since many offer limited or no coverage.

In case of a medical emergency, you will want to be able to lay your hands quickly on your travel insurance plan’s contact information for the 24-hour Emergency Assistance program as well as your policy number, so make sure to keep this information somewhere that is easily accessible. Also, be sure you know how to place a call to that number from outside the country.

This is important because you’ll be required to call your travel insurance provider and notify them that you need to be seen by a medical professional as soon as possible. Obviously, you may not be medically able to call before you seek emergency medical treatment, but you should do so as soon as you are able to.

The earlier you can call, the more likely it is that you can avoid any issues for payment of claims and you can also get help and advice from the company’s emergency assistance program.

Bottom Line: Specific details on when and how to contact your insurance provider in case of a medical emergency vary by plan and provider, so thoroughly review these details in your plan information.

For example, in the event of an emergency that requires emergency medical evacuation, your insurance provider will have to approve the evacuation and even make those arrangements for you. If you don’t call ahead to have them do this, the company may not approve the expense and you may be stuck paying for the evacuation in full.

Once you are actually at a medical facility to receive care, make sure to document the experience as thoroughly as possible. This means asking for copies of all of your records before you check out. You’ll need to provide these records to the insurance company when you eventually file your claim and having proof of treatment and costs will assist you in filing a successful claim and getting your money back as soon as possible.

Travel medical insurance plans can vary widely in price, but in general, plans cost anywhere between 4-10% of your total non-refundable trip cost. The pricing of any plan takes into consideration many things, including a few that we discussed above, to determine the cost. These include:

• Age of travelers
• Plan limits
• Supplemental plans such as “Cancel For Any Reason” coverage or coverage for pre-existing conditions
• Length of trip

In addition, if you decide that a comprehensive plan is a better choice for you, this will also increase the price.

The best travel medical insurance company for you may be determined by what type and how much coverage you’d like to have. Let’s review a few options and companies to consider.

Credit Card Coverage

Many premium cards have some medical coverage, so be sure to look over all of the best credit cards for travel insurance coverage and protection.

For example, cardholders of The Platinum Card ® from American Express may already have $15,000 of secondary medical coverage . For many, this may be enough, but for others, you may not feel comfortable at this level of coverage and want to purchase a travel medical insurance policy.

Travel Medical Insurance Policies

If you are looking to purchase a plan from a reputable company, a few options include:

1. Patriot Travel Medical Insurance from IMG Global

For the out-of-country plans, Patriot offers:

• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Daily or monthly rates
• Freedom to seek treatment with the hospital or doctor of your choice

The following plans are available based on the level of coverage that you desire and you can request a quote through their website linked above.

2. GeoBlue Single Trip Traveler Medical Insurance

GeoBlue offers both the “Voyager Choice” and “Voyager Essential” single trip plans. Both plans allow you to choose your level of medical coverage (from $50,000 up to $1 million) and offer $500,000 in emergency medical transportation and repatriation coverage.

The main difference between the 2 plans is that the Choice plan does not require you to be covered by a primary health plan, but doesn’t cover pre-existing conditions. The Voyager plan will cover all pre-existing conditions, but functions as a secondary coverage after your primary health plan.

3. Allianz Travel Medical Insurance

Allianz offers an Emergency Medical plan that offers additional benefits that extend beyond simply medical coverage. This plan is a comprehensive plan that covers lost baggage and trip cancellation and delay, in addition to emergency medical coverage. See just a few of these benefits below:

In addition, many companies, such as AAA,  offer travel insurance through Allianz, so you may receive a further discount if you reference your AAA policy.

Travel medical insurance can be beneficial for most travelers when traveling internationally as most primary health insurance plans won’t cover you abroad. We hope we’ve given you the tools you need to select a plan that works best for you and your travel needs.

At the end of the day, a travel medical plan is a great option if you’re traveling abroad and are not worried about covering trip costs due to a cancellation or added expenses due to a travel delay. Anyone looking for robust coverage for baggage or interruption should consider an upgrade to a more comprehensive plan.

All information and content provided by Upgraded Points is intended as general information and for educational purposes only, and should not be interpreted as medical advice or legal advice. For more information, see our  Medical & Legal Disclaimers .

Frequently Asked Questions

How much travel medical insurance do i need.

When considering the amount of coverage you’d like for your travel medical insurance plan, consider the following:

• How much (if any) will your own health insurance plan or credit card cover when you’re traveling outside of your home country?
• How long is your trip?
• Do you need extra coverage due to risky activities?
• What amount of coverage do you feel comfortable with?

Refer to the section titled “Plan Limits” for more detailed considerations.

How long does it take to receive travel medical insurance?

Travel medical insurance coverage starts the day of your trip, so you want to make sure you sign up for it before you leave. Most plans allow you to buy insurance up until the day before your trip.

However, the best time to buy travel medical insurance is within 15 days of making the first payment on your trip, since buying early can often qualify you for bonus coverages.

Is travel medical insurance worth it?

Depending on your primary health insurance and any secondary coverage you might be eligible for, travel medical insurance can still be a great tool to protect you from financial hits caused by injury or illness.

In addition, travel medical insurance can help organize assistance in extreme circumstances (such as medical evacuation). You can also pick the appropriate level of coverage to make you feel comfortable.

Does AAA offer travel medical insurance?

Yes, AAA offers travel medical insurance, but it is usually serviced by another company such as IMG Global or Allianz. You will normally receive a greater discount if you mention your AAA insurance policy, so don’t forget to include this when you request a quote!

Can you get travel insurance when already abroad?

Most companies do not offer travel insurance policies once your trip has already begun. There are a few reputable companies, such as  World Nomads and  SafetyWing , that are set up for long-term travel.

These companies allow you to purchase plans once your trip has already begun, but the rates may be higher than a plan that was purchased prior to leaving for your trip.

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About Christy Rodriguez

After having “non-rev” privileges with Southwest Airlines, Christy dove into the world of points and miles so she could continue traveling for free. Her other passion is personal finance, and is a certified CPA.

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The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

SEE FULL REVIEW »

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Key benefits of travel medical insurance

• Travel medical insurance coverage
• Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel medical insurance covers unexpected emergency medical expenses while traveling.
• Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
• If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens. 

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa. 

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

• Hospital room and board
• Inpatient/outpatient hospital services
• Prescription Drugs
• COVID-19 treatment
• Emergency room services
• Urgent care visits
• Local ambulance
• Acute onset of pre-existing conditions
• Dental coverage (accident/sudden relief of pain)
• Medical care due to terrorist attack
• Emergency medical evacuation 
• Repatriation of mortal remains
• Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks. 

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare. 

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company. 

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance. Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19. 

Still on the fence about whether or not  travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation. 

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage. 

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Medical Aid Momentum Review – Analysis of Medical Aids’ Main Features

• ✅ Momentum Medical Scheme at a Glance
• ✅ Momentum Medical Scheme Regulation
• ✅ Momentum Medical Scheme Plan Overview
• ✅ Momentum Medical Scheme – Advantages over Competitors
• ✅ Momentum Medical Scheme Medical Savings Account
• ✅ How to apply for Medical Aid with Momentum Medical Scheme
• ✅ How to apply for Gap Cover with Momentum Medical Scheme
• ✅ How to Submit a Claim with Momentum Medical Scheme
• ✅ How to Submit a Compliment or Complaint with Momentum Medical Scheme
• ✅ How to Switch my Medical Aid to Momentum Medical Scheme
• ✅ Momentum Medical Scheme Customer Support
• ✅ Momentum vs Discovery Health vs Sizwe Hosmed – A Comparison
• ✅ Momentum Medical Scheme Member  Reviews
• ✅ Our Verdict on Momentum Medical Scheme
• ✅ Momentum Medical Scheme Pros and Cons
• ✅ Momentum Medical Scheme Frequently Asked Questions

Momentum Medical Scheme at a Glance

Momentum Medical Scheme Regulation

The Council for Medical Schemes regulates Momentum Medical Scheme .  The Council governs South Africa’s medical plan business for Medical Schemes (CMS), a regulating body set up under the Medical Schemes Act, No. 131 of 1998 (the Act). The CMS is responsible for a range of tasks related to the oversight of medical insurance plans, such as:

• Responsible for registering medical insurance plans and ensuring they comply with the law and other laws.
• Making sure healthcare plans have the money to pay claims.
• Examining and authorizing proposed price hikes for medical plans.
• Accepting and examining member complaints and initiating disciplinary action against medical plans that violate the Act or other applicable rules.
• Helping medical insurance plans follow the law and other laws.

Furthermore, if a medical scheme is found to violate the law, the CMS has the authority to issue administrative fines and penalties.

Momentum Medical Scheme Plan Overview

Momentum Ingwe Plan

The Ingwe Choice is an inexpensive option for entry-level protection. Members can use any hospital, the Ingwe Network of private hospitals, or State hospitals for an even lower monthly payment for hospitalization coverage.  Depending on their provider choice, members must consult physicians within the Ingwe Primary Care Network or Ingwe Active Network for chronic treatment and day-to-day benefits such as GP visits and prescribed medication.  Members who select any hospital may only utilize Ingwe Active Network GPs for chronic and routine care. In addition, members are covered for three virtual GP consultations per year through the Virtual GP Consultation Network, which includes Hello Doctor, enabling virtual consultations with a qualified doctor from the comfort of their own home or wherever they may be.

The Health Platform Benefit provides reimbursement for preventative care services offered by an Ingwe Primary Care Network or Ingwe Active Network provider. Certain Health Platform Benefits, such as the maternity program, are accessible from providers outside of the selected network provider. In addition, Momentum HealthSaver+ is available for members who require additional day-to-day advantages.

Momentum HealthSaver+ is a supplemental product offered by Momentum that enables users to save for uninsured medical bills.

Momentum Evolve Plan

Private hospital stays inside the Evolve Network are fully covered, with no annual caps, by selecting the Evolve Option. All Major Medical Benefits require a normal co-payment except for hospitalization due to pregnancy or childbirth or care received during an accident. Members are expected to use State facilities for chronic care and are provided with coverage for two virtual GP consultations through the GP Virtual Consultation Network, which includes Hello Doctor.  The Health Platform Benefit also covers daily advantages like preventative screenings and check-ups. In addition, members can use the Momentum HealthSaver+ to pay for incidental, day-to-day costs like extra doctor’s appointments and medicines.

To help members prepare for future medical costs that are not covered by their current plan, Momentum offers a supplementary product called HealthSaver+.

Momentum Custom Plan

Private hospitalization costs are covered under the Customized Choice. Hospital stays are not capped at a certain number per year. You can use any hospital you like, or you can choose to utilize one of a chosen group of private hospitals in exchange for a lower contribution.  Your choice of doctor and pharmacy for your long-term care needs is entirely up to you. You can also get a reduction in your regular payment by using a list of Associated physicians and a Medipost courier pharmacy for your long-term care needs. Alternatively, you can use State facilities for your chronic prescriptions, medications, and treatments and qualify for the maximum contribution discount.

The Health Platform Benefit protects you from routine medical expenses, including check-ups, immunizations, and other preventative services.  The Momentum HealthSaver+ is there for you if you also need protection for regular healthcare costs like doctor’s appointments and medication. In addition, you can save money for medical costs not covered by your insurance plan of choice with the help of Momentum’s HealthSaver+.  Except in the cases of automobile accidents, maternity confinement, and emergency care, the co-payment for Major Medical Benefits under the Custom Option is a flat dollar amount.

Momentum Incentive Plan

The Incentive Option provides coverage for hospitalization expenses at private facilities, with no cap on the number of hospital stays per year.  Members can utilize any hospital of their choice or select from a pre-determined group of private hospitals known as Associated Hospitals to reduce their monthly premium.  For long-term care needs, members can choose their doctor and pharmacy. However, members can reduce their monthly payments by utilizing a list of Associated doctors and the Medipost courier pharmacy.  Additionally, by using state-run facilities for long-term prescriptions and medications, members have the opportunity to save the most on their monthly contributions.  The Health Platform Benefit covers various medical services, including routine check-ups and cancer screenings. Ten percent of the monthly payment goes into a special Health Care Spending Account (Savings) to meet emergency and routine medical costs.

If extra coverage for everyday expenses is required, members can use the Momentum HealthSaver+. This complementary product offered by Momentum allows members to save for medical expenses not covered under their insurance plan.

Momentum Extender Plan

The Extender Option covers hospitalization in a private facility. There is no yearly cap on hospital stays.  You can use any hospital you like, or you can choose to use only those on a select list of private hospitals (called Associated hospitals) to reduce your monthly premium.  Regarding long-term care, you can visit any doctor you like for your chronic prescriptions and any pharmacy you like for your long-term medication.  You can reduce your monthly payment using a list of Associated doctors and the Medipost courier pharmacy for your long-term care needs. If you prefer, you can use State facilities for your chronic prescriptions and medications and save the most on your contributions this way instead.  Preventative screenings, specific check-ups, and more are all paid for by the Health Platform Benefit. In addition, the Personal Medical Savings (Savings) account will make 25% of your contribution available for use regularly.

If your annual day-to-day expenses exceed your Savings, you can turn to the Extended Cover benefit, which kicks in once your day-to-day claims reach the Threshold (a set amount calculated based on the number of people in your family).  As soon as you reach the Threshold, the Scheme will begin paying your claims from the Extended Coverage pool. However, before activating your Extended Cover, you can use the Momentum HealthSaver+ to cover additional day-to-day expenses and out-of-pocket costs.

You can set aside money from your paycheck with Momentum HealthSaver+, a supplementary product offered by Momentum that helps you pay for medical costs not covered by your option.

Momentum Summit Plan

The Summit Option protects hospital stays at any private hospital without any annual limits. It also includes benefits for day-to-day and chronic care from any provider.  Suppose you require additional coverage for everyday expenses. In that case, you can opt for the Momentum HealthSaver+, an additional product offered by Momentum to help save for medical expenses not covered by your chosen option.  Additionally, the Health Platform Benefit offers coverage for preventative screening tests, specific check-ups, and more.

Momentum Medical Scheme – Advantages over Competitors

• A vast network of medical providers and facilities may offer members seeking medical care more options and convenience.
• Benefit options that allow members to tailor their coverage to their specific needs and budgetary constraints.
• A focus on preventative care and wellness can assist members in maintaining their health and reduce their future need for costly medical treatment.
• Strong dedication to customer service and support, which may aid members in navigating the complex healthcare system and maximizing their coverage.
• Access to online tools and resources for monitoring, understanding, and maintaining one’s health.
• A customizable insurance solution that meets the client’s and their family’s needs.

It is important to note that these are only some potential benefits of the Momentum Medical Scheme ; actual benefits and coverage may vary depending on the member’s specific plan and options.

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Momentum Medical Scheme Medical Savings Account

Momentum Medical Scheme’s Medical Savings Account is known as the HealthSaver+. The Momentum HealthSaver+ is a product offered by Momentum that allows you to save for various medical expenses, such as vitamins, cosmetic surgery, and more.  You can earn an interest rate of up to 10% on your positive balance, which is determined by a combination of your Healthy Heart Score and Active Dayz™.  The annual fee for this account is only R40, and it offers a convenient way to pay for treatments and procedures that your insurance may not cover.  You can use your funds to pay for medical scheme contributions, fund your child’s education, buy vouchers for people in need, boost your retirement, and pay for non-medical expenses at pharmacies and veterinarians.

Additionally, if you contribute monthly, you can access a digital assistant, Hey Jude, which will help you find or organize anything you need. You can also use your funds to purchase fitness devices, and if you qualify, you can get credit from as low as 0% interest.  Furthermore, you can access your funds with the Multiply Money Card to pay for various healthcare-related expenses such as medication, treatments, and consultations.

How to apply for Medical Aid with Momentum Medical Scheme

Medical aid quote momentum medical scheme process explained.

To apply for Medical Aid through Momentum Medical Scheme, you must visit the official Momentum website, click the menu in the top left corner of the page, and select “Medical Aid” from the listed options.  You can view all the medical aid options from here or get an online quote.  You can select your option and apply online or request a callback to complete the application.

New Members 35 years or older may be subject to late-joiner penalties on Momentum Medical Aid Plans.

Get a Momentum Medical Aid quote from our Dedicated Medical Aid Specialists Broker

How to apply for Gap Cover with Momentum Medical Scheme

Visit the Momentum website and select “Medical Aid” from the menu on the left-hand side of the home page (click the three lines in the left corner).  Click “GapCover+” under the “Convenient, innovative features, unique to Momentum.”  From here, you can view the GapCover+ brochure or click on “Get GapCover.”  The Individual Application form for GapCover will open in a new tab, and you must print the document to complete it.

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How to Submit a Claim with Momentum Medical Scheme

To submit a claim to Momentum Medical Scheme, you can follow these steps.  Go to the “Medical Aid” section on the Momentum homepage.  Scroll down and click on “Submit a Claim” under “Claims and Authorizations.”

• ✅ Via the App:  Download the Momentum app, log into your profile, scan or upload your claim, and submit it to Momentum.
• ✅ Via the website:  Use the Web Chat facility on the website.
• ✅ Via WhatsApp:  Click on the “WhatsApp Message” link and follow the instructions to submit your claim.
• ✅ Telephonically:  Call the toll-free number from within South Africa or use the landline number provided if you are calling from abroad.
• ✅ Email:  Email your claim to the Momentum Health claims department.
• ✅ Via Post:  You can send your claim via the postal service in South Africa to Momentum Health’s postal address in Durban, KwaZulu-Natal.

How to Submit a Compliment or Complaint with Momentum Medical Scheme

To submit a compliment or a complaint to Momentum Medical Scheme, follow these steps:

• ☑️ Go to the Momentum Website and click “Contact Us” from the righthand side of the home screen.
• ☑️ Scroll down to “Compliments and Complaints” and click “Share Your Experience.”
• ☑️ Select “Compliments” or “Complaints.”

If a complaint has not been managed to your satisfaction, you can explore the following avenues, depending on your complaint:

• ☑️ Council for Medical Schemes
• ☑️ Financial Advisory and Intermediary Services (FAIS) Advice-Related Complaints
• ☑️ Ombudsman for Long-Term Insurance
• ☑️ Ombudsman for Short-Term Insurance
• ☑️ Pension Funds Adjudicator
• ☑️ The National Consumer Commission (Consumer Protection Act)
• ☑️ Protection of Privacy

Read more: How to Report a Medical Aid Scheme for Wrongdoing

How to Switch my Medical Aid to Momentum Medical Scheme

It would help if you notified your current medical aid of your intent to terminate coverage before switching to the Momentum Medical Scheme.  After giving your current medical aid provider notice that you will cancel your coverage, you can apply for Momentum Medical Scheme online or over the phone.

Momentum Medical Scheme Customer Support

Momentum Medical Scheme provides multiple channels of communication with its customer service team.

• Call +27 (0)11 350 0000 to reach the Momentum Medical Scheme help desk.
• Momentum Medical Scheme’s email address for contacting customer service is [email protected] .
• You can reach the customer service team of the Momentum Medical Scheme via their website’s online contact form.
• Contacting Momentum Medical Scheme is also possible via various social media channels.
• Stop by a branch: Momentum Medical Scheme has locations across the country where you can get help.
• Momentum medical aid contact details Call or WhatsApp 0860 11 78 59

Remember that the customer service hours and availability may change based on the method of contact and the nature of the issue at hand.

Momentum vs Discovery Health vs Sizwe Hosmed – A Comparison

Read more comparisons between Momentum Medical Scheme and other Medical aid schemes:

• Momentum Medical Scheme vs. Discovery Health
• Momentum Medical Scheme vs. KeyHealth
• Momentum Medical Scheme vs. BestMed Medical Scheme
• Sizwe Hosmed Medical Fund vs Momentum Medical Scheme
• Bonitas vs. Momentum Medical Scheme
• Fedhealth vs. Momentum Medical Scheme
• Medihelp vs. Momentum Medical Scheme
• Medimed vs Momentum Medical Scheme

Momentum Medical Scheme Member  Reviews

I would like to take a moment to say that Momentum consistently has excellent customer service. Professionally, the consultants never fail to assist us and provide us with their undivided attention. Momentum, I appreciate I. – Mustafa Shields

Trusted Support.

Momentum Health has been excellent to work with since my husband had a medical emergency; they have been prompt in authorizing and approving PMBs. Their customer service representatives are always helpful and polite. Wow, that was effective! – Samuel Shepard

High-Quality Service.

Positive feelings about Momentum. Financial security includes a pension, life insurance, and medical assistance. Invariably helpful and high-quality service. – Zahraa Graves

Our Verdict on Momentum Medical Scheme

Overall, Momentum Medical Scheme is a well-established and trustworthy medical aid provider that offers an array of comprehensive health insurance plans focusing on preventative care and additional benefits for its clients. Momentum Medical Scheme has a range of customer support options, including a website and branches for those who want to learn more about the scheme and the overall company. Additionally, Momentum has diversified its product portfolio to include healthcare, car and home insurance, life cover, savings, and investments.

With six medical aid plan options available, it is easy for both low- and high-income earners to find a suitable plan within the scheme.  Furthermore, Momentum and Momentum Health strongly emphasize preventative measures, making it an ideal choice for individuals who want to stay on top of their health status. Therefore, Momentum Health is one of the most trusted schemes in South Africa .

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Momentum Medical Scheme Pros and Cons

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Momentum Medical Scheme Frequently Asked Questions

Is momentum a good medical aid.

Momentum is the third-largest medical aid in South Africa, with a high trust rating of 4.3, making it a popular and reputable option for South Africans regardless of their health needs.

Is Momentum an affordable medical aid?

Momentum’s entry-level medical aid plans provide South Africans extensive cover in terms of day-to-day care, hospital cover, and chronic conditions from 541 ZAR , making it a good and affordable option. Furthermore, the Ingwe option allows members to choose a plan according to their monthly income, ensuring they can choose a suitable option comfortably.

Where can I find the Momentum Medical Aid plans and prices for 2023?

You can find this information under the “Medical Aid” section of the official Momentum website.

Is the Momentum Hospital Plan a good option?

According to existing members, the Momentum Hospital plan offers comprehensive coverage and flexible contribution options that suit every budget.

How can I access my Momentum Medical Aid Login from Web or Mobile?

You can access the official Momentum page and the “Medical Aid” option from the main menu. In addition, you can click on “log in” from the top right side of the page to enter your credentials and access your client portal.

How do I Downgrade my Plan with Momentum Medical Scheme?

Momentum Medical Scheme does not currently indicate whether members can downgrade their plan.

How do I add a Beneficiary to Momentum Medical Scheme?

If you want to add a child or adult dependent, you can log into your Momentum Medical Scheme profile.

Are there different levels of coverage available with Momentum Health?

Yes, there are different levels of cover available with the Momentum Evolve Plan, ranging from the comprehensive Premier Option to the more affordable Ingwe Option.

How long does Momentum take to pay out a claim?

Momentum takes several days up to weeks, depending on the overall process and the documents and information received.

Does Momentum have cashback?

Yes, Momentum has a cashback program. However, this cashback is on its insurance and not medical aid. The Momentum optional benefit reimburses 15% of your paid premiums if you go four consecutive years without filing a claim. Once a claim has been resolved, a new Momentum Rewarder cycle will commence immediately after the incident date.

Does Momentum cover gym membership?

Momentum offers discounts on gym memberships. Momentum Health’s optional rewards program offers a 25% gym membership discount. In addition, Virgin Active and Planet Fitness studios nationwide offer discounted rates without a minimum number of visits per month or year.

Does Momentum cover Surgery?

This Major Medical Benefit covers hospitalization, specialized procedures, and scans. In addition, option-specific benefits cover hospitalization and surgery.

How can you apply for chronic Momentum medication?

To apply for Momentum’s chronic medication and activate your chronic benefit, you must request that your treating doctor contact Momentum to receive the application. Once approved, you can receive your medication from a pharmacy.

Does Momentum cover over-the-counter medication?

Depending on your plan and available benefits, Momentum pays for prescribed and over-the-counter medication, often on plans with savings for medical aid or day-to-day benefits for OTC medicine.

Does Momentum cover depression?

Mental health illnesses like depression, drug and alcohol rehabilitation, and post-traumatic stress are included in the list of 270 conditions that must be treated to qualify for the Prescribed Minimum Benefit. However, the treatment of these illnesses with medication is not covered.

Does Momentum have a waiting period?

Momentum, like all other medical aids in South Africa, has waiting periods that the Council determines for Medical Schemes (CMS), which can range from 3 to 12 months depending on specific and pre-existing conditions, previous cover, and more.

Does Momentum cover childbirth?

Momentum provides both a daily benefit for hospitalization and a lump sum maternity benefit in the event of childbirth.

Ladies can make use of our free Ovulation Calculator

What is the Momentum Medical Aid Contact Number?

Momentum can be contacted on 0860 11 78 59 telephonically or on WhatsApp for customer care, chronic medication, emergency GP and Casualty Benefits, and other options. For emergencies, Momentum Medical Aid can be contacted at 082 911.

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When Do You Need Travel Insurance?

T ravel is an adventure filled with unexpected detours. Whether it's a volcano erupting in Iceland or a sudden illness before a big trip to Kenya, the unpredictable happens. That's why travel insurance isn't just a checkbox on your planning list; it's a parachute in your backpack for your personal finances . Let's dive into when you really need travel insurance and how it shields your travel investments.

What travel insurance can cover

Travel insurance can give you peace of mind when it comes to several elements of travel.

Natural disasters and severe weather

Did you know that 12% of trips are affected by natural disasters? Take, for instance, my personal mishap in 2010 when the infamous Eyjafjallajökull volcano in Iceland erupted. Ash clouds billowed into the sky, grounding flights across Europe, including my own in London. Stuck unexpectedly and without travel insurance, the financial and logistical stress was immense. This experience underscored a harsh truth: Travel disruptions are not just possible; they are a real risk that can happen anywhere, anytime.

If your travel destination has a reputation for weather-related unpredictability, travel insurance is a must. It ensures you can recoup the costs if you need to cancel or your travel is disrupted. This kind of foresight is invaluable, particularly considering that 41% of U.S. travelers do not purchase travel insurance when going abroad.

Health emergencies

The risk of falling ill or having an accident is more common than most travelers anticipate. In 2022, 1 in 5 paid travel insurance claims was for medical emergencies. U.S. health plans often provide limited coverage overseas, which means you could be facing hefty medical bills far from home without travel insurance. Plus, emergency medical evacuation -- which can cost anywhere from $20,000 to $200,000 -- is typically covered under travel medical insurance, safeguarding your health and your wallet.

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High-cost trips

Travel insurance is crucial if you're investing in a once-in-a-lifetime trip or your travel plans include high-cost, non-refundable elements like tours, cruises, or multiple connecting flights. In 2022, the average claim payment for travel insurance was $2,157, while travelers only spent an average of $266 per policy. This relatively small investment can protect against significant financial losses, especially if your non-refundable trip costs are more than your budget can stand.

The "cancel for any reason" safety net

Sometimes, plans change not because of a disaster or illness but simply because you decide to. That's where "cancel for any reason" (CFAR) coverage comes in. This add-on allows you to recover part of your investment even if your reason for canceling isn't covered under a standard policy. While CFAR can add about 50% to your insurance cost, it offers flexibility and peace of mind, reimbursing you for 75% of your prepaid, non-refundable expenses if you cancel at least 48 hours before departure.

Long journeys and remote destinations

Extended vacations or travels to remote locations with limited medical facilities also warrant travel insurance. The further you are from home, the more complicated and expensive it is to handle unexpected issues like medical emergencies or trip interruptions. The average trip cancellation claim was $6,448 in 2022 -- highlighting how crucial it is to have coverage that matches the scope and scale of your journey.

This is also important if you plan to be abroad for a long time. For example, I live with my family in Switzerland for the summer, so we get insurance to cover our entire stay in the event we need to go to a doctor for anything from strep throat to a broken bone.

Other costs covered by travel insurance

Here's a quick list of what's typically covered.

• Trip cancellation: Reimburses 100% of prepaid, non-refundable deposits if you cancel for a covered reason.
• Travel delay: Covers expenses incurred due to delays if the policy covers the cause.
• Cancel for any reason (CFAR): Allows cancellation for any reason not listed in the base policy and provides partial reimbursement.
• Trip interruption: Reimburses non-refundable parts of your trip if interrupted for a covered reason.
• Interruption for any reason (IFAR): This policy offers reimbursement for any interruption, regardless of the reason, as long as it's not listed in the base policy.
• Missed connection: Compensates for costs incurred due to missing a scheduled flight or other transportation due to a covered event.
• Baggage delay: Reimburses for necessary purchases like clothing and toiletries if bags go missing during travel.

These coverages help manage the risks and potential inconveniences associated with traveling, providing peace of mind no matter where your journey takes you.

When you should get travel insurance

Like auto or home insurance , travel insurance is often considered a prudent investment, especially under certain travel conditions where the risks and potential losses could be significant. Here are some scenarios where buying travel insurance proves to be especially worthwhile.

• High nonrefundable costs: If your trip's upfront costs are substantial and nonrefundable, insurance can protect you from severe financial loss if your plans fall through.
• International travel: Having insurance is crucial when traveling abroad, where unexpected issues can complicate matters.
• Remote destinations: Travel insurance is essential for peace of mind and safety in areas with limited healthcare facilities.
• Hurricane-prone areas: Insurance can protect you from last-minute cancellations and disruptions when traveling to regions known for hurricanes or other severe weather.
• Complex itineraries: With connecting flights or multiple destinations, the chances of encountering issues increase, making insurance a smart choice.
• Flexible cancellation options: Certain travel insurance policies can offer partial reimbursement if you need to cancel or cut your trip short for any reason.

Choosing whether to buy travel insurance is about assessing risk. Will the peace of mind of knowing you can handle almost any issue while away from home make your trip more enjoyable? If the answer is yes, then travel insurance is worth it.

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The Guide to Travel Accident Insurance

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When it comes time to hop on a plane, train or automobile, there’s one thing that can offer some peace of mind: travel insurance. But while lost luggage, delayed flights or interrupted plans may be top-of-mind concerns, coverage for unforeseen circumstances like travel-related accidents should also be considered.

Here’s a breakdown of what travel accident insurance is, what it covers and what to know when purchasing a policy for a vacation.

Keep in mind that specific policy coverage varies by provider, so it is wise to check the terms and conditions of each provider to understand what you’re covered for. Also, you may consider applying for a travel card that offers travel accident insurance benefits .

What is travel accident insurance?

Travel accident coverage is largely what it sounds like — a specific benefit of travel insurance that provides financial protection for accidents that happen while you’re traveling. But there are limitations and variations for not only what’s covered, but also what the term means depending on the plan you select.

Travel accident insurance coverage is sometimes called "Emergency accident coverage" or "Emergency medical coverage," depending on the plan. As well, travel accident insurance may include or be offered separately from accidental death and dismemberment coverage. Jump to learn more about definitions »

Via credit cards

Chase Sapphire cardholders, for example, receive accidental death or dismemberment coverage as part of their travel accident insurance policy. Coverage applies when the cardholder pays for their air, bus, train or cruise transportation with the card.

Via third-party plans

In contrast, most policies purchased from travel insurance providers cover you no matter when or where during your travels an accident strikes (so long as you’re within your originally selected travel dates and actively traveling, but more on that in a minute).

Other policies might offer accident coverage as an optional upgrade on top of a baseline policy.

» Learn more: The best travel credit cards right now

Travel accident coverage defined

Because this type of insurance can be presented in a variety of ways, it’s important to understand the differences and read your policy for clarification.

Travel accident insurance: This coverage is often an umbrella term that includes death and dismemberment and/or emergency medical coverage. But some policies don’t use the term at all, while others use it to describe death and dismemberment benefits exclusively. Still others lump the term “accidents” in with emergency medical.

Emergency medical: This term is typically used for just what it sounds like: any sort of emergency medical care required during your travels, accident-related or otherwise. This coverage will reimburse you for any emergency medical costs up to the policy limit.

Accidental death and dismemberment : This benefit is generally a set amount, not a cost-specific reimbursement-related coverage like with emergency medical. This means that if you die as a result of an accident during your travels or have a dismemberment or severe disability, you or your chosen beneficiary will receive the flat amount listed in your policy — usually 100% of the maximum benefit in the case of death and 50% in the case of a lost limb.

Exact verbiage may differ, which can impact the sort of coverage offered versus what you think you’re getting. So always read up on the details.

» Learn more: How to find the best travel insurance

What does accident travel insurance cover?

Specific coverage differs from one policy to another.

Generally, though, travel accident insurance or emergency accident coverage, especially when lumped in with death and dismemberment benefits, will cover any sort of loss of life or limb, whether that’s eyesight, a hand or a foot, or an accident that results in required emergency medical attention during your travels.

When it’s presented as emergency medical coverage, it may also reimburse you for expenses like doctor visits, hospitalizations, necessary medication, X-rays or ambulance fees.

What's generally not covered?

Not every injury from all types of accidents is covered by every travel insurance policy.

Adventure sports. Many policies don’t cover injuries that happen as a result of extreme sports or similar activities, so if you plan on bungee jumping, mountain biking or snowboarding, you may need to consider a plan that specifically covers adrenaline-based activities .

Additional care back home. You’re covered only for accidents that occur during your trip and for medical services rendered while you’re still traveling. If you seek additional medical care after you get home, it’s usually not covered by travel insurance.

Alcohol and drugs. As a general rule, travel accident insurance (and travel insurance more broadly) doesn't cover the consequences of being under the influence of alcohol or narcotics, especially above legal limits.

Cards with travel accident coverage

Many travel cards offer built-in travel accident coverage when you use them to book a trip.

Terms and coverage vary, so make sure you read the fine print, but here's a look at some popular cards and the insurance coverage they offer.

on Chase's website

on American Express' website

• Travel accident: Up to $500,000.

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Travel accident: Up to $1 million.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

How to choose trip accident insurance

When planning for travel and choosing accident insurance, make sure to read policy information carefully, as with all travel insurance.

Ensure that you understand the differences in coverage, payout and limitation information between offerings like travel accident insurance, emergency medical coverage, and death and dismemberment benefits. Read detailed policy information before you buy to know what’s covered and what to do if the worst happens.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Star Travel Protect Insurance Policy

*I hereby authorise Star Health Insurance to contact me. It will override my registry on the NCPR.

IRDAI UIN: IRDA/NL-HLT/SHAI/P-T/V.I/140/13-14

Quick links, plan essentials, understand what’s included, why choose star health insurance.

• Happily Insured with Star Health

Looking for something else?

Be assured of the best, travel policy, cover for travel inconveniences, detailed list, important highlights, star health.

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

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Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Here's why marathon oil (mro) is a strong momentum stock.

It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors.

While you may have an investing style you rely on, finding great stocks is made easier with the Zacks Style Scores. These are complementary indicators that rate stocks based on value, growth, and/or momentum characteristics.

Is This 1 Momentum Stock a Screaming Buy Right Now?

Different than value or growth investors, momentum-oriented investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.

Marathon Oil (MRO)

Incorporated in 2001, Houston, Texas-based Marathon Oil Corporation is a leading oil and natural gas exploration and production (‘E&P’) company with operations in the United States and Africa. As of the end of 2023, Marathon Oil had approximately 1,320 million oil-equivalent barrels in net proved reserves (73% crude oil/condensate and 62% proved developed), and 93% were located in the United States. In 2023, the company’s overall production from continuing operations was 405,000 net barrels of oil equivalent per day. Approximately 88% of Marathon Oil’s 2023 volumes came from the U.S.

MRO sits at a Zacks Rank #3 (Hold), holds a Momentum Style Score of A, and has a VGM Score of B. The stock is up 10.8% and up 9.9% over the past one-week and four-week period, respectively, and Marathon Oil has gained 29.4% in the last one-year period as well. Additionally, an average of 9,813,336 shares were traded over the last 20 trading sessions.

Momentum investors also pay close attention to a company's earnings. For MRO, eight analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.38 to $2.89 per share for 2024. MRO boasts an average earnings surprise of 10.1%.

MRO should be on investors' short list because of its impressive earnings fundamentals, a good Zacks Rank, and strong Momentum and VGM Style Scores.

Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report

Marathon Oil Corporation (MRO) : Free Stock Analysis Report

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Trump suggested he would have bombed Moscow for invading Ukraine, WP reports

Former U.S. President Donald Trump suggested at a fundraising event that he would have bombed Moscow in response to Russia's full-scale invasion of Ukraine, the Washington Post (WP) reported on May 28, citing several anonymous donors and advisers.

In a piece detailing some of the claims and demands the former U.S. president has made while on a fundraising drive for his current presidential bid, the paper also said he would attack Beijing if China invaded Taiwan on his watch.

According to WP, Trump's comments "surprised some of the donors."

Trump has not publicly threatened to bomb Moscow but, in a phone call leaked in March 2022, Trump told a friend he had privately made such a threat to Russian President Vladimir Putin himself.

Publicly, Trump described Putin as a " genius " in the days leading up to Russia's full-scale invasion when Moscow moved troops into eastern Ukraine.

He has also regularly claimed he could stop the war in Ukraine "in 24 hours" though he has never publicly stated how he would do this.

The Washington Post wrote on April 7, citing anonymous sources, that Trump had privately said he could end it by pressuring Ukraine to cede Crimea and Donbas to Moscow.

According to the Washington Post, Trump also said he believes that both Moscow and Kyiv "want to save face, they want a way out," claiming that Ukrainians in Russian-occupied territories would not object to being part of Russia ."

If the deal and the idea is simply to give our territories, then it is very primitive," President Volodymyr Zelensky said in response.

Trump is the presumptive Republican nominee for the 2024 U.S. presidential election, going up against incumbent President Joe Biden .

In a bid to raise the gigantic sums necessary to run a presidential campaign, WP also reports Trump as telling both new and regular donors they would have to significantly increase what they're offering.

One businessman who usually gave Republicans $2-3 million would have to give a $25 million or $50 million contribution or he would not be "very happy."

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A spokesperson for the Congo army said three Americans from Utah were detained following the foiled coup on May 19.

Blinken, Sanders and Graham offer differing takes on latest State Dept. report on Israel's possible humanitarian violations in Gaza

Antony Blinken and Bernie Sanders praise Biden for withholding military aid to Israel. Lindsey Graham calls it the 'worst decision.'

Iranian president, 7 others, have died in a helicopter crash: Here's what we know — and what we don't

Iran's president has died in a helicopter crash. Here's what we know so far — and what we don't.

Here are all of the Republicans who have shown up in court to support Trump at his hush money trial

GOP lawmakers have been showing up at the Manhattan Criminal Courthouse in waves to give the former president a public show of support, help him circumvent the gag order — and audition for a role in a possible second-term Cabinet.