short term health insurance for overseas travel

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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

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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International travel medical insurance and travel protection

Travel with less worry with safetrip from unitedhealthcare global.

With SafeTrip travel protection plans from UnitedHealthcare Global, you can set off on your next adventure prepared and ready for what comes your way — whether that’s medical, emergency or trip cancellation surprises. Choose the right SafeTrip travel medical insurance or travel protection plan for you, with plans that include medical coverage, trip cancellation, evacuation and other coverage options.

Find SafeTrip travel medical insurance and travel protection options for you

Get coverage to protect yourself and your trip expenses on all of life’s travels.

What is international travel medical insurance?

International travel medical insurance is secondary emergency coverage for people who are leaving their home country and provides coverage while they are outside of their country, whether that’s for a trip, work outside the country, a volunteer trip or any other travel circumstance.  

What does international travel medical insurance cover?

International travel medical insurance typically offers benefits that cover emergency medical, dental and evacuation services. Some plans, like those with added travel protection benefits, cover specific travel-related circumstances, like trip cancellation, trip interruptions or lost baggage.

Why buy international travel medical insurance and travel protection? 

With travel medical insurance and travel protection, you’ll have coverage to help protect your financial investment — and your health and safety. It’s your ticket to help you travel with less stress. Some advantages of choosing travel medical and trip protection include:

Financial protection

Get reimbursement for missed connections, trip delays, cancellations, baggage loss and eligible covered non-refundable expenses 

Health coverage

Ensure you’re covered for medical emergencies and evacuation coupled with assistance coordinating arrangements and more 

Safety and security

Be sure you’re protected — many domestic health insurance plans may not cover medical emergencies while traveling abroad

Explore our top SafeTrip plans for travelers

Our travel protection plans offer flexible benefits for any voyage — from bucket-list trips to out-of-country work and more. These 3 plan choices include coverage for everything from trip delays and cancellations to unexpected health care needs and helpful details like destination profiles and evacuation coverage.

International Travel Medical Plus

Protect yourself with a combination plan that covers unexpected medical needs and unanticipated trip cancellations.

• No deductibles
• Trip cancellation, interruption, delay and baggage coverage
• Medical and security assistance
• Option to add Extreme Sports and Rental car coverage

International Travel Medical

Choose plan options with emergency medical insurance for travel off the beaten path — and anywhere else your trip may take you.

• Up to $1 million for medical expense limit
• Medical evacuation and medical assistance
• Option to add Extreme Sports coverage

Travel Protection

Be prepared by choosing a plan with backup for domestic U.S. trip cancellations, interruptions and delays.

• Full AD&D coverage
• Option to add Rental car coverage

Why choose SafeTrip Travel Medical Insurance from UnitedHealthcare Global?

24/7 support.

Get support from instant customer service, available in more than 100 languages

Global providers

Get connected to quality physicians, clinics and hospitals worldwide 

Around-the-world coverage

Explore coverage options available in more than 150 countries 

All-in-one service

Count on service all within our one company that brings you 45 years of experience

Frequently asked questions about international travel medical plans

Read on to learn more about why international travel medical plans may be right for you. 

Who should buy travel medical insurance?

If you’re traveling abroad, going on a business trip overseas or planning an expensive trip, travel insurance or travel protection may be a good choice for you. It’s a way to be better prepared for the possibility that your trip may be interrupted or canceled or if you experience a medical emergency while away.  It’s coverage that connects you with medical care, travel protection and more.

Nearly every traveler can benefit from the extra protection of travel medical insurance. Some in particular who may want to consider it include:

• Families with children
• Anyone visiting a country that speaks a different language
• Solo travelers
• Travelers to a remote location

What kind of travel insurance is right for me?

SafeTrip travel protection includes 3 plan options for you to choose from. The right plan for you will depend on your situation and the level of coverage that’s important to you.

International Travel Medical Plus is a combination protection plan including travel medical insurance and travel protection (including trip cancellation).

International Travel Medical Plus plans focus on coverage in the event your trip is cancelled or interrupted, but still includes eligible medical expense limits ranging from $50,000 to $150,000.

International Travel Medical provides emergency travel medical coverage including evacuation.

International Travel Medical plans are geared towards travelers who may want more robust medical coverage for unexpected accidents or sickness. These plans start at a minimum medical expense limit of $100,000 and allow for a maximum of $1,000,000.

• Travel Protection plans give you coverage if your trip is interrupted, delayed or cancelled in the U.S. — domestic travel only.

Does my health insurance work internationally?

Many health insurance plans do not cover you when you are out of the country. For those that do, the coverage is often limited and requires you to pay at the time of service, save receipts and file for reimbursement once you get home. 

In case of a medical or dental emergency while in another country, this could require you to spend a large amount of your own personal funds or charge significant amounts on credit cards while you are still traveling.

Travel medical insurance plans typically cover emergency medical and dental costs. Emergency transportation costs, such as ambulance or air lift, also are often covered, as are emergency evacuations that would get you from a remote location to appropriate medical care.

How much is travel insurance? ​

While travel insurance, or travel protection, is often more expensive than travel medical insurance, these plans give you the additional assurance that you are covered against the financial loss due to covered reasons under the policy. Travel protection costs are based on the total trip cost and can therefore vary by trip.  

Travel medical insurance, on the other hand, only covers you for any medical emergencies or medical evacuations and is often cheaper than the combined plans offering travel medical insurance and trip protection in one. 

How long before traveling should you get travel insurance?​

It is generally recommended to purchase travel insurance as soon as you have made any non-refundable payments towards your trip. This helps to ensure that you are covered for any unforeseen circumstances that may arise before your departure. A SafeTrip policy can be purchased as little as 24-hours or one full day prior to travel departure.

Are non-medical benefits available with travel medical insurance?

Even if you’re facing a non-medical challenge, UnitedHealthcare Global SafeTrip plans are here for you with support and assistance. You can call our 24/7 Emergency Response Center to assist with lost or stolen passports, legal referrals, translation services, emergency transfer of funds and a host of other non-medical problems. Please refer to your policy for details.

How do I make a claim if I have a travel medical plan?

If you currently have a SafeTrip plan and you need to make a claim, follow these simple steps:

• Visit CBP Connect
• Follow the instructions on screen

For additional questions:

Call:  1-877-693-8530

Email:  [email protected]

Ready for your next travel adventure?

Get travel tips and information to help you on your way. 

Explore more supplemental plans

View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.

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International Citizens Insurance

Medical, Life and Travel Plans!

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Travel health insurance will cover the costs of getting medical attention in case of an emergency abroad. Plans also include medical evacuation, repatriation, trip interruption, and more. This type of coverage is necessary when you’re going outside your country for periods of up to a year or more. Even if you have a domestic medical plan, there is no guarantee that it will be accepted abroad.

Learn more about travel medical policies in this article and get to know which plans for traveling abroad fit your needs.

What is International Travel Health Insurance?

When traveling outside your home country, buying medical insurance as part of your international travel plan is vital to protect yourself against accidents or illnesses. Even if you have private medical insurance issued in your home country, it will most likely not cover you on your trip abroad. And even if it does, there is a chance that the coverage will be insufficient to provide the care you might need during your trip.

What Does Travelers' Medical Insurance Cover?

Depending on the plan you choose, your travel insurance policy can offer:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum limits from $50,000 to up to $8,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to up to $25,000
• Renewable for up to 36 months
• Other benefits like travel delay/cancellation, baggage loss/delay
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Is Travel Health Insurance Worth It?

The best travel medical insurance plans combine the benefits of travel insurance plans with additional health and medical coverage. Whenever you travel to another country, it is a necessity to have the right international plan that will cover you in case the unexpected happens.

Recommended Medical Travel Insurance Plans

We offer great options to cover you and your family during travel abroad. The Atlas plan is an affordable policy for travelers from most countries. GeoBlue's Voyager plan is a comprehensive plan tailored to US citizens. The Trawick Safe Travels plan includes comprehensive coverage for trip cancellation, trip interruption, emergency medical, and post-departure travel coverage, among other benefits. Trawick's Safe Travel USA is designed specifically for foreigners visiting the USA .

Pro Tip: Visit our Travel Insurance Guide to find which type of plan is best for your situation.

Recommended Plan for US Citizens Traveling Abroad

GeoBlue's Voyager Travel Insurance plan is designed specifically for US citizens traveling abroad. The benefits are excellent while remaining a very affordable option. Most importantly, the customer service is outstanding, which is essential when you need to reach someone in a medical emergency.

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Option for All International Travelers

Trawick offers a great plan for all other nationalities traveling abroad to any country in the world. Coverage options are global, benefits are comprehensive, and they have a range of coverage levels to meet all budgets.

Safe Travels International

• Desinged for non-U.S. citizens traveling outside their home country (excluding the U.S.)
• Coverage for an unexpected recurrence of a Pre-Existing Condition
• Coverage from 5 days to 364 days - extensions are available

Recommended Plan for International Visitors to the US

Safe Travels USA from Trawick is the best plan option for international citizens visiting the United States. In addition to those listed above, benefits include limited coverage for wellness visits and "acute onset of pre-existing conditions".

Trawick Safe Travels USA

• Desinged for non-U.S. citizens traveling to the U.S. and addiitonal countries
• Includes comprehensive medical, evacuation, & repatriation coverage

Affordable Plans with Great Coverage and Benefits

Our suggested plan based on affordability, benefits, and service is the Atlas Travel Insurance Plan. Don't be fooled by the price - the benefits are very comparable to those offered by more expensive insurers.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Or See for Yourself: Compare Travel Medical Insurance Plans

Frequently Asked Questions

How much does travel health insurance cost.

You can see in the table below that plans can cost from as low as $0.80 per day to as high as $5 a day , sometimes more. Monthly rates, ranging from $40 to $60, are also available, sometimes providing better value. How much an international travel health insurance plan costs will depend on the length of the trip, your age, medical limits, complications, and the deductible you choose by the time you purchase the plan.

Emergency medical plans for travelers are surprisingly affordable. The average cost of an international travel medical insurance plan is $2 per day. It is very affordable compared to the high cost of medical care should something go wrong on your trip.

Plans are often of a sort duration, within the travel period you have indicated, so the risks are less for insurers. As a result, medical insurance costs for traveling abroad are also significantly lower. Travel health policies also do not cover trip cancellations , so their premiums are lower than usual.

Costs and Benefits of a Travel Medical Insurance Plan

The cost of your plan will cover several benefits, all under one policy. For the low price listed here, you get emergency medical coverage abroad, trip interruption benefits, repatriation, medical evacuation, 24/7 travel assistance, and coverage for lost or stolen items. Some plans include personal liability coverage, natural disasters, political evacuation, and more.

How Optional Coverage Adds to the Cost of Your Policy

Many plans offer additional optional benefits for an additional cost. For example, you can add coverage for adventure trips, mountaineering, or Accidental Death and Disability (AD&D). Each additional benefit will increase the price of your plan. In general, the increase in premiums is affordable and worth the added expense if you feel you need that additional coverage.

What Are the Different Levels of Health Insurance for Traveling Abroad?

There are various levels of international travel health insurance plans from some of today’s leading insurers. These plans can range from very basic emergency health coverage to comprehensive health care, including prescriptions, medical evacuation, and insurance for high-risk activities.

• The most basic level of travel insurance covers emergency medical needs while you’re away from home. If you fall ill or get injured while traveling, this type of policy will usually cover your treatment. Some plans let you add higher maximums for medical coverage so you can get care for significant medical expenses.
• You can add features to your policy like prescription plans, repatriation, emergency evacuation, and coverage for pre-existing conditions. Depending on the plan, some of these might already be covered. 
• You can also add riders for so-called “extreme sports,” which cover you if you want to paraglide, climb mountains, or do zipline tours in the jungle. 
• Yet another type of travel insurance is trip cancellation, which pays you back if your vacation is interrupted or called off for a set list of reasons. A more expensive version of this is called Cancel For Any Reason or CFAR, which reimburses your trip costs if you suddenly can’t go for a reason that’s not otherwise covered. These plans include medical coverage, but you should check how much and whether you need more.

Among our most popular plans for US citizens is the GeoBlue Voyager Plan , which allows travelers to customize their coverage with different medical maximums and deductibles. You can be confident that your coverage, benefits, and service will be excellent.

Atlas Travel Insurance is a comprehensive travel medical policy that includes hospitalization and doctor coverage. It also includes coverage for lost luggage. You can customize the policy to include optional coverage for extreme sports .

The Patriot Platinum Insurance provides optional coverage for extra riders, including personal belongings and and extreme sports. This is perhaps the best medical policy for traveling abroad because it provides world-class coverage and access to the best service and assistance for traveling outside your home country.

You can review the list we made of the Best Travel Insurance Companies to get a better idea of which provider to choose.

For long-term travelers, expats, or individuals moving abroad for a year or longer, an international medical insurance plan might be a better option. These plans provide more comprehensive medical benefits but lack some of the coverage offered in travel health plans, such as trip interruption.

What Is the Cheapest Travel Medical Insurance Plan?

We offer a variety of medical plans for traveling abroad, and they come at a range of different price points.

When it comes to medical coverage, the best value travel insurance plan is one that covers specific benefits you need at a price you can afford. Some inexpensive plans do not cover the most important benefits or cover them with limited value. Other low-cost policies provide considerable travelers' medical insurance coverage, but their service is not as good, so it will be frustrating to use it in emergencies.

International Citizens Insurance has filtered the best insurance providers that offer affordable plans with good coverage and excellent service. For the most affordable and reliable plans, we recommend the following options:

How Do I Purchase an International Travel Medical Policy?

Applying for a travel health plan is easy. Just answer a few questions about yourself and the planned trip to get the initial quote. From there, you can refine the plan and see how much the travelers' medical insurance will cost by selecting and deselecting different benefits and their maximum coverage amounts. You can also tweak the deductibles, optional add-on features, and other portions of the policy, if possible.

Use our Plan Picker to get started!

When you are satisfied with the quote after adjusting the cost and benefits of the plan, you can proceed with the online application and pay for the plan using your credit card. A confirmation email will be sent along with policy documentation and relevant contact details should you need emergency medical assistance on your next trip.

We have listed some of the best medical insurance for international travel. Just follow the links on each one to learn more about the plan.

Do These Plans Cover My Visa Requirements?

In most cases, they do. The short term medical insurance plans we offer are designed to meet, and even exceed, most visa requirements of most countries. We also have plans that can meet Schengen Visa Insurance requirements.

Before traveling to a country, check the visa requirements to ensure you purchase the maximum benefit and deductible amounts required. Most countries require at least $50,000 of coverage in medical benefits, along with a specific deductible amount.

Check the visa requirements for the country you are traveling to, and then when purchasing your policy, you can select the level and benefits that meet those requirements.

Read More: Insurance for Your Travel Visa

Can You Buy Just Travel Medical Insurance?

Yes, definitely.

International travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. Suppose you are in an accident and need medical care. In that case, these plans are designed to help you find a doctor, get you treated in the best facilities available, cover necessary medical prescriptions, and provide continuous care.

Note: These plans will typically not cover any pre-existing conditions you might have. Before you sign up for a policy, check the part pertaining to pre-existing conditions to clarify any questions or concerns regarding that portion.

Your policy may not cover treatment for accidents or illnesses that occur while participating in certain dangerous activities. Some plans offer adventure sports coverage as an optional add-on. If you plan to partake in hazardous activities or sports events that pose a high risk of getting injured, it is best to get this add-on on top of your base-level coverage.

Some policies, known as trip cancellation plans , also cover the cost of your trip if you have to cancel, and are typically more expensive. If you only want coverage for medical emergencies, a travel medical plan is right for you.

Not sure where to start? Use our Pick a Plan tool.

How Does International Travel Medical Insurance Compare to Trip Insurance?

With the wide variety in names and coverage of travel, trip, and medical plans, it can be confusing to select which one is the most appropriate for your needs. Different service providers offer several levels of coverage, so a travel insurance plan provided by one insurer could be completely different from those offered by competitors.

Trip insurance is a short-term solution that covers trip cancellation, protection, and limited emergency medical coverage. This type of policy is usually available only for up to 62 days.

A travel health insurance plan is more comprehensive. It provides increased medical coverage from what a regular trip or travel insurance policy does. This type of policy is best for travel periods lasting from 5 days up to a year.

If you are considering longer-term coverage or more comprehensive medical benefits, read these guides to help you see the available options:

• Expatriate Insurance or Travel Insurance: What is the Difference?
• Overseas Health Insurance Coverage

Do I Need to Buy Health Insurance for Traveling Abroad?

Travel health insurance is a short-term solution for those who are traveling outside their home country anywhere between 5 days and a year. Whether it is for business or pleasure purposes, getting adequate coverage is an essential part of ensuring safe travels.

Having a health plan at home will not guarantee you coverage when you travel to other countries. And usually, if it does provide coverage, it will be limited and will not cover the most important areas that need to be addressed.

The plans we offer can work for a broad range of traveling individuals, including international vacationers, immigrants, relatives visiting from overseas, and foreign au pairs and nannies.

The best part about global travel health insurance policies is that they are available to all nationalities traveling abroad.

Which Countries Require Travel Medical Insurance to Enter?

Most countries that were requiring medical travel insurance with COVID-19 coverage at the height of the pandemic are no longer requiring it. However, it is still highly recommended. (Read our guide for more specific details on the latest travel insurance requirements.) Double-check all requirements before booking your travel policy. Below is a list of countries that still require travel medical insurance as of December 2023.

• Saudi Arabia
• the Czech Republic
• Liechtenstein
• the Netherlands
• Switzerland

Recommended Travel Medical Plan Options for US Citizens

The following rate tables below show the cost per day for U.S. citizens traveling outside of the U.S.

GeoBlue Voyager Choice

IMG Patriot International

WorldTrips Atlas International

Trawick Safe Travels Outbound

Rates were last updated on March 4, 2024

Recommended Travel Medical Plan Options for All Nationalities

The following rate tables below show the cost per day for international (non-U.S.) citizens traveling abroad, including trips to the U.S.

The plans, IMG Patriot America, WorldTrips Atlas America and Seven Corners Travel Medical, provide coverage worldwide, including inside the U.S. and outside the U.S.

Trawick Safe Travels USA only provides coverage inside the U.S.

IMG Patriot America

WorldTrips Atlas America

Seven Corners Travel Medical Plus

Pro Tip: Visit our Plan Picker to find the best plan at the right price for your trip.

How Much Travel Medical Insurance Do I Need?

It depends on where you’re going, what your home coverage is like, and what you plan to get up to!

• For shorter trips, you can probably get away with less coverage. But if you’re traveling extensively, you might think about a more thorough policy. If you are taking several trips throughout the year, consider annual travel insurance so you’re always covered.
• How’s your health? If you have conditions that need regular treatment or medications, make sure your policy is up to the level of care you need while abroad. Most plans will exclude coverage for pre-existing conditions, so be aware of that. 
• If you’re going somewhere with a high level of medical care easily available, you probably don’t need medical evacuation or repatriation. Consider adding it if you’re going into the wilderness, staying somewhere rural and far from care, or making an adventure trip.
• Speaking of, what are you planning to do on your vacation? You might be surprised by some things insurance companies consider “extreme sports.” If you’re planning anything outdoorsy, check if your activity requires special coverage.
• Some countries require a travel policy to get a visa. For instance, the Schengen visa requires a minimum of $50,000 in medical coverage. Check the visa rules for the place you’re traveling to.

Different Types of Health Plans for Travelers

Here at International Citizens Insurance, we provide a wide range of travel health plans from some of the leading insurers. Among our most popular plans are the Atlas and Patriot Plans, which have different levels to choose from, each designed to suit the needs of various travelers.

Atlas Travel Insurance is a comprehensive policy that includes hospitalization and doctor coverage. It can also include insurance on lost luggage. You can customize the policy to include optional coverage for extreme sports .

With Patriot Platinum Insurance , you can get coverage for extra riders and extreme sports when you add them. This is one of the best travel medical insurance plans for traveling abroad, providing world-class coverage and access to the best service and assistance for traveling outside your home country.

Annual, Multi-Trip Travel Insurance Plans for Frequent Travelers

International coverage for travel is available as a single-trip plan that covers a specific trip for a specified number of days.

But a multi-trip or annual travel insurance plan can cover all trips outside your home country during the year. This is usually valid for a year and up to a certain number of days per trip. This is a more cost-effective medical insurance for traveling abroad, especially if you are a frequent traveler.

If you are looking for one of the best travel health insurance policies we offer, consider the GeoBlue Trekker annual travel insurance plan. See the link below for more details on the policy and how you can get a quote before your purchase online.

Annual Plan for any Nationality

Seven Corners Travel Medical Annual Multi-Trip

• Buy annually and travel as often as you want.
• Choose from 30-, 45-, and 60-day trip lengths.
• Emergency medical evacuation benefit of $1,000,000.

GeoBlue Trekker Plan for US citizens

Trekker MultiTrip Travel Insurance

• Up to $500,000 for sickness and accidents
• $500,000 medical evacuation benefit
• Unlimited Trips Outside the U.S. for trips up to 70 days

Buy One of Our Recommended Travel Medical Plans

Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

GeoBlue Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

A message from the Center for Disease Control : Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Author: Joe Cronin , Founder and President of International Citizens Insurance . Mr. Cronin, a former expat, is an authority in the areas of international travel, and global health, life, and travel insurance, with expertise in advising individuals and groups on benefits for today's global workforce. Follow him on LinkedIn or Twitter .

Get a fast, free, international insurance quote.

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Short-term International Health Insurance

Healthcare for your time abroad.

Are you moving abroad to live, work or travel for a few months? We’re here to make sure your healthcare needs are taken care of, so you can focus on making the most of your time overseas.   

Why choose Cigna Close Care flexi?

Plan flexibility.

You are able to cancel your plan any time by giving us 14 days’ notice, with no cancellation or administration fees applied. There is no minimum length of cover and you will be refunded for unused period of cover if you didn’t make a claim.

Country-specific coverage

Only pay for coverage where you need it most: your country of residence and country of nationality, as well as out of area emergency coverage for unexpected medical needs.

Comprehensive care

I npatient and outpatient treatment, mental health coverage and cancer care in your core cover.

Added protection

Through a range of preventative cancer screenings, routine health checks and counselling and coaching sessions for both emotional and physical support.

You can enhance your cover with optional add-ons:

Outpatient and wellness care.

Outpatient care such as prescriptions and dressings, outpatient physiotherapy, as well as physical examinations and vaccinations.

Dental care and treatment

A wide range of preventative, routine and major dental treatments.

With Cigna Global you benefit from:

• The Cigna network - Our global network has over 1.5 million trusted hospitals, clinics, and doctors.
• 24/7 support - resources and tools to look after your physical health, mental health and emotional wellbeing.
• Digital tools - Cigna Wellbeing™ app and Global Telehealth for multilingual access to care anytime, from anywhere.
• Clinical expertise - our experienced clinical team of doctors and nurses provide personalized medical advice and support.

Looking for cover for longer than a few months?

Our Cigna Global Health Options plan is probably more suited to your needs.

Related content

Why should you choose international health insurance?

The difference between travel insurance and international health insurance

Making your move abroad stress free

• Individuals
• published on 8/1/2023

What is Short-Term International Health Insurance?

Designed for individuals and families working, living, or moving abroad for less than a year, short-term health insurance provides medical coverage during your time overseas.

Short-Term International Health Insurance Plan

Table of contents.

1. Who is this plan suitable for?

2. Reasons to take out short-term international health insurance

3. Travel insurance vs. short-term health insurance

4. Take your time before you decide

It’s best to do some research into different insurers and levels of cover they offer before you travel so you can find a plan that meets your individual needs.

Continue reading to learn more about short-term health insurance.

Who is this plan suitable for?

Many travellers opt for short-term health insurance when they go abroad. Below are some examples to help you decide if it is the right choice for you.  

Digital nomads

As digital nomads travel between different countries while working, this kind of cover may be a great option for them if they are only staying abroad for a short time. It provides the flexibility they need to live their desired lifestyle without having to purchase long-term cover.

To learn more about the pros and cons of the digital nomad way of life, check out our blog .

Those on work secondments

Those moving abroad on a temporary work assignment can also benefit from this insurance while they experience everything their host country has to offer.

Some plans can even provide cover in your home country if you go back for occasional visits, ensuring that you are protected if you become unwell. However, routine, or pre-planned treatment in your home country is usually excluded from cover.

Frequent travellers

Whether you’re on a gap year, a work sabbatical, or just travelling for an extended period of time, having medical insurance in place can prevent you from having to cut your trip short. You can experience new places and cultures without having to worry about your health.

A short-term plan could also be suitable for expats who have newly arrived in a new country and may need temporary health insurance cover until they can enrol into the state healthcare system.

This means they can receive comprehensive medical care when they are not yet eligible for public healthcare services.

Reasons to take out short-term international health insurance

Having adequate medical cover is an important consideration when you’re thinking about moving abroad in any capacity. It can be helpful if you’re unfamiliar with the country’s public healthcare system where you’re travelling to, or are worried about experiencing financial loss from unexpected treatment costs.

Let’s take a look at some of the reasons why this kind of international health coverage is worth thinking about.

Flexibility

How long you need the cover for will depend on your personal circumstances, but a short-term health plan can provide you with a level of flexibility that you might not get with other kinds of international health insurance policies. You can select from 1 to 12 months and you will be covered abroad without having to pay for a traditional, renewable health plan that you don't need.

You might also be able to choose the duration of the cover, with an option to extend it if you want to stay abroad longer.

Protect your medical needs

It can be useful to have private health insurance when travelling so you can seek medical treatment quickly and with ease. Our short-term international health insurance plan includes:

Emergency dental care

Specialist treatment and consultations

Accident & emergency treatment

Overnight hospital stays

Hospital charges

Treatment in your home country* [1]

This list is not exhaustive of the benefits included in short-term health plans. Speak to us if you have any specific questions or want more detail about our cover.

Coverage wherever you go

Short-term international health insurance is worth thinking about if you’re planning on travelling to multiple countries during your travels, as it can contain portable benefits. This means you can receive medical treatment wherever you go, so long as it is within your area of cover.

Emergency medical and non-medical evacuation

Some insurers will include this in their short-term health insurance plans, which gives you the reassurance that you can be evacuated to a safe place in case you fall ill or experience any threats in the country you’re in.

Travel insurance vs short-term health insurance

Though they are often confused, travel insurance and short-term health insurance are in fact very different.

Travel insurance provides cover for a range of issues during a specific trip(s), such as emergency medical treatment, lost luggage, flight cancellations and other travel issues. With short-term health insurance, you will have more comprehensive medical cover that will protect you during an extended period abroad.

Have a read of our blog to learn more about the differences between travel insurance and international health insurance.

Take your time before you decide

It is essential you take your time before selecting a plan, making sure you read through all the associated information carefully. It could also be a good idea to have a list of what you want included in your cover.

Click here to find out how we can support you with our short-term international health insurance plans.

Overseeing your budget overseas can be challenging, from the big expenses involved in getting settled to managing daily living costs.

The busy nature of everyday life can make it difficult to remain healthy, leaving a lack of motivation for activities like exercising and getting an adequate amount of sleep.

Workplace satisfaction is important for retaining employees, with employees wanting to feel looked after by your company.

Making friends in a new country is tough and it can be difficult knowing where to start. But once you have a group of friends you feel comfortable with, you will feel more settled.

[1] There is a time limit on cover in your home country in our short-term policy, which is up to 30 days. Treatment is limited to emergency medical conditions or acute episodes of existing covered medical conditions.

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• GENERAL TRAVEL

Health Insurance Abroad: The Complete Guide

The GoAbroad Writing Team is a collection of international travel writers with decades of experie...

• Before You Go
• Health & Safety Tips
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Going abroad for the first time without your family can be thrilling, yet simultaneously terrifying. The same can be said for the second, third, and tenth time. Are you 30 and planning for a volunteer trip overseas? It’s still scary, and that’s okay!

On the cusp of any international travel—short- or long-term—it’s normal to have an imminent feeling of the unknown and unexpected weighing down on your mind. As much as I’d love to tell any future adventurer to look to toward the horizon, ignore the risks and gallop off into the Icelandic sunset on a miniature fluffy horse, the fact is that that’s just awful advice to give. The better piece of advice is plain and simple: Cover your hiney with health insurance abroad.

Traveling to Asia? Get Covered with the Luma ASEAN Pass

No matter the adventure, don’t leave without securing medical insurance abroad!

No matter your age, international travel experience, destination, or purpose for venturing abroad—be it studying, volunteering, teaching, interning, or otherwise—there are very real risks that need to be acknowledged and properly prepared for before you head overseas. While packing your life away for a study abroad trip and raising funds for a volunteer stint abroad are pretty important, your medical insurance abroad carries the most significant weight. Forgetting a hairbrush or not having enough money for a daily gelato is a bummer, but not having health insurance coverage abroad when tragedy strikes can have lifelong consequences. 

Travelers, parents, and other family members alike can be comforted by the knowledge that there are comprehensive coverage packages out there customizable for any type of travel abroad—from teaching in China to snorkeling at the Great Barrier Reef. And just like that, taking the first step out into the Barcelona cobblestoned street doesn’t seem so intimidating! You’re covered. 

In this comprehensive guide to health insurance while abroad, you’ll learn the ins and outs of…

• An overview of medical insurance abroad
• How your destination influences your coverage 
• Using an existing domestic plan overseas
• What’s covered in international health insurance
• Difference between travel insurance and international medical insurance
• What to do if an emergency happens abroad
• Insurance abroad considerations for types of travel
• Suggested insurance providers

If you’ve been ignoring the nitty-gritty logistics of traveling abroad, then this guide to health insurance abroad will cover everything you need to know. Let’s get started!

The rundown of medical insurance abroad

Even if you don’t plan on skiing in Austria—or anywhere—during your travels, stay safe by having health insurance coverage abroad.

In the unusual case that you’ve already mastered how your domestic insurance and healthcare system works at home, that’s great! It won’t be of much help here, however. With a spectrum of healthcare systems around the world and third-party insurance providers working as middlemen to make it all easier to understand, that Thai snack of grasshoppers isn’t the only foreign concept on the table. 

Generally, medical insurance abroad covers whichever dates you want, ranging from a day to a year and more. As health and finances are inarguably some of the most important assets we have, finding the correct health insurance while abroad should be a priority. Because it’s a preventative service, it’s easy to consider it an afterthought and not budget sufficiently for an adequate policy. Just remember, insurance abroad should be one of the top items on your travel list!

All your insurance abroad travel questions answered

The world of insurance is complicated enough, and throwing “international” into the mix makes it all the more confusing. How’s one to know about insurance abroad without having spending hours making phone calls to countless companies and embassies? We got the answers to your questions.

1. Do I need health insurance while traveling internationally?

Just like at home, health insurance helps pays for medical attention ranging from emergency room visits to prescription drugs. Internationally, you may face additional challenges as a foreign national that health insurance coverage abroad will help face, such as emergency evacuation or exorbitant healthcare costs if not covered. Apart from the fact that many travel programs or visas require some degree of coverage, having a safety net while traveling is always a good idea . 

Our recommendation is Lewerglobal . Whether traveling for business, pleasure, or education, Lewerglobal provides the protection and support you need to travel with confidence. Find peace of mind for your short-term holiday, year-long internship, or four-year degree program. Lewerglobal members can choose a variety of health, travel, and trip protection plans to meet any budget and itinerary!

[ Browse All Providers of Medical Coverage Abroad ]

2. does my travel destination make a difference.

Yes! Your destination country or countries can impact what kind of health insurance coverage abroad you need and if you need it at all. For example, U.S. citizens whose long-term travels take them to countries in the Schengen area will need a certain amount of insurance coverage to qualify for a visa after the 90-day tourist visa period is up. Most countries in Western Europe are in the Schengen area , including Spain, France, Germany, and Italy. 

Those who aren’t U.S. citizens may need insurance coverage to apply for a visa just to enter the area to begin with. For either case, there are specific stipulations for the holiday health insurance abroad to qualify for a Schengen area visa. Amongst other requirements, the insurance must cover a certain amount of Euros and should be valid for the applicant’s length of stay.

Other countries requiring proof of health insurance before entry are Cuba, Antarctica, and the United Arab Emirates. Before securing a generic health insurance abroad, be absolutely sure that your destination countries’ insurance requirements are met. Otherwise, your coverage may be all for nothing!

[ Get 6 FREE Travel Program Recommendations ]

3. does my health insurance cover international travel.

Depending on your domestic insurance, you may have some coverage abroad for basic short-term trips in some countries. However, more often than not, you’re looking at limited coverage, higher deductibles, and higher minimums to pay if an emergency does arise. For Medicare recipients, there is generally no coverage outside of the U.S. and its territories.

Before purchasing insurance abroad, check in with your current health insurance provider to be sure you’re not getting double coverage!

Health insurance comes in handy if you need to visit a doctor or clinic on your travels.

4. What does insurance abroad cover?

Medical insurance abroad alone typically covers anything from emergency doctor visits to lab orders to emergency surgeries to dental care for pain relief. Although often included, emergency evacuation and repatriation of remains (return of a body if passed away) are considered separate line items. When reading through policy coverage, be sure these basic services are included, as well as others like emergency family travel arrangements in case a family member needs to fly out to the bedside. 

For travelers with a chronic illness or preexisting conditions, its essential that a health insurance abroad covers all medical needs and provides for prescription drugs for longer trips. Otherwise, you may be looking at out-of-pocket expenses and that’s the last way anyone wants to remember their travels!

5. How much does insurance abroad cost?

Rule of thumb when when choosing an insurance abroad: Don’t shop for the cheapest. A low price isn’t reflective of a good deal, rather it may just hint at a bare boned policy with high deductibles and minimums. Policies can start at a little more than a dollar a day for shorter trips , but ultimately, travel health insurance cost is determined by these factors:

• Limit of coverage, amount of deductible, and add-ons (i.e. ski insurance)
• Traveler’s age
• Duration of travel

After you have an idea of the coverage your travels and your health condition requires, the fun part begins. Shopping! Medical insurance websites include an option for a free quote, so you can get a fairly good idea of cost and the policy breakdown before you commit.  

[ Get Even More Travel Medical Insurance Advice ]

6. what’s the difference between travel insurance and medical insurance abroad.

After doing a bit of research you may have come across insurance abroad, travel insurance, and international medical coverage. What’s the difference? Sometimes these variations are combined into comprehensive packages. Let’s break down common types of coverages:

• Trip insurance or travel cancellation insurance: This type compensates for lost, stolen, or damaged luggage while in transit and for unplanned trip cancellations in stated circumstances, such as a relative passing away.
• Medical evacuation and repatriation: If you need to get transported to a hospital or even airlifted to seek special emergency care, then evacuation coverage has got your back. Repatriation also makes sure you can get paid to back home for special care in unforeseen circumstances.
• Emergency medical expenses: When generally thinking of medical insurance abroad, this kind of coverage is most commonly referenced. Avoid paying medical bills by making sure you have an adequate coverage for medical expenses. 

Travel worry-free for flight delays, lost luggage, and other inconveniences—your insurance will have your back!

7. Who do you contact if you need medical attention?

First and foremost, after purchasing a suitable medical insurance abroad you need to print out your policy (if you don’t receive a physical card) and carry it on your person at all times. Having a claim form or two printed, saved and ready in a secure place will also save buckets of travel down the road if you’re unable to later. Participants of an organized travel program can also get assistance from program organizers, who may also have a good idea of how to approach medical emergencies in the country. 

Every international insurance provider will have a hotline available to contact with country-specific protocol and instructions if you need to seek medical attention. Additionally, the country’s U.S. Embassy provides information on local doctors and hospitals available. Just look for the “American Citizens Services” tab on your country’s U.S. Embassy website . 

8. What’s the right type of insurance for my travels (study/intern/work/etc)?

Not all health insurance coverage abroad is made equal. Meaningful travel comes in all lengths and varying degrees of adventure. While some adventure travel may involve extreme sports like scuba diving, a two week volunteer project in a large city is relatively low-key. Be aware of what risks and characteristics your travels entail and make sure you pick up the right plan to cover them. 

• Study abroad . With durations ranging from a few weeks to a whole year, study abroad can be confusing when it comes to insurance. Luckily, most study abroad program providers offer comprehensive information on how to get covered, if they don’t already include a plan in the program. ( P.S. Studying abroad with a chronic illness? Read about what you need to know ! )
• Volunteer abroad . The unique characteristic of volunteering abroad is that your horizons are a lot wider, including stays in off-the-beaten path areas and more community integration. As such, infrastructure and access to comprehensive healthcare can be scarce. For volunteers with medical conditions relying on special treatment, look into plans that cover pre-existing conditions and prescription drugs abroad.
• Intern abroad . Organized internship abroad opportunities through third-party programs or universities will often offer insurance abroad for the duration of stay. These plans are already suggested with the internship and destination country in mind, so you don’t have to navigate the confusing world of coverage yourself. 
• Teach abroad . One of the perks of teaching English abroad is the medical insurance abroad included in work compensation packages (or at least a partnership with a company to direct you too)! Included insurance policies are a sign of a well-rounded employer and saves a ton of leg-work in the relocation process. Whether the coverage is offered through a third-party recruiting organization or directly by the employing institution abroad, there’s bound to be a preplanned insurance policy available. 
• TEFL courses abroad . TEFL courses abroad never last for more than a few months at a time, and as such are easily coverable by normal health insurance abroad. For the time spent abroad learning about grammar games and classroom management, a general international medical insurance should do!
• Gap year . Going abroad through an organization? Then you may already have international insurance coverage included! Students traveling independent can look into youth plans or student-targeted packages. 
• Completing a degree abroad . Being a full-time student for multiple years as you complete a degree abroad looks similar to expat insurance. However, students may be able to qualify for a domestic insurance depending on your citizenship and the destination country. The best place to get information is the university’s international office or a health department that’s familiar with insurance for international students. 
• High school abroad . Typically, high school students won’t be traveling internationally solo. Teen travel programs should offer insurance as a part of the deal, so check in with an advisor to be sure what the benefits are. 
• Language school . Because many language school courses are short enough to fit into a tourist visa stay and students won’t theoretically be cliff diving, basic international insurance packages are a good fit. Depending on the program, you may be fit for a student insurance type of coverage, specially tailored to your needs.
• Adventure travel . Thinking of bungee jumping in Costa Rica or horseback riding in Mongolia? Because of the “living on the edge”, extreme sports aspect of adventure travel, you’ll need insurance that includes those kinds of riskier activities. Read into the find print and be certain that the kinds of activities you’re interested in are covered.
• Work abroad . Working abroad long-term means needing health insurance coverage abroad will almost certainly be a given. If your employer doesn’t provide it, then look into plans geared toward expats and working professionals. 

9. How do I find international travel-specific insurance?

A quick search for “international medical insurance” can yield a good number of reliable sources. Ultimately, quality health insurance abroad comes down to reading the fine print and knowing exactly what you’re getting. The U.S. Department of State provides a list of recommended insurance providers for international travel that’s definitely worth checking out. 

Take the scary out of travel abroad with the right international health insurance coverage!

Friends don’t let friends travel without having health insurance while abroad!

Securing a well-rounded health insurance coverage abroad should be one of the first items on that travel checklist ! Even if you don’t have a preexisting condition or need for medical attention while overseas, you can never anticipate emergencies and accidents. Because insurance is often a requirement for travel programs, international visas, and some types of employment abroad, it’s best to start researching ASAP to have a thorough understanding of it works and which plan fits best. 

Remember: Even if a medical risk is 0.01%, it’s a real risk that can put you financially in a pickle for your entire life. Get all your ducks in a row, secure an insurance plan, and then go forth to have the time of your life abroad worry-free! 

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Enjoy peace of mind wherever you travel with global medical coverage.

We have over 30 years experience in international health insurance. And more than 500,000 members trust us with their care worldwide. We offer:  

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• The five character codes included in the Aetna Precertification Code Search Tool are obtained from Current Procedural Terminology (CPT ® ), copyright 2023 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
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• Please note also that Dental Clinical Policy Bulletins (DCPBs) are regularly updated and are therefore subject to change.
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Medical clinical policy bulletins

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• CPBs include references to standard HIPAA compliant code sets to assist with search functions and to facilitate billing and payment for covered services. New and revised codes are added to the CPBs as they are updated. When billing, you must use the most appropriate code as of the effective date of the submission. Unlisted, unspecified and nonspecific codes should be avoided.
• Each benefit plan defines which services are covered, which are excluded, and which are subject to dollar caps or other limits. Members and their providers will need to consult the member's benefit plan to determine if there are any exclusions or other benefit limitations applicable to this service or supply. The conclusion that a particular service or supply is medically necessary does not constitute a representation or warranty that this service or supply is covered (i.e., will be paid for by Aetna) for a particular member. The member's benefit plan determines coverage. Some plans exclude coverage for services or supplies that Aetna considers medically necessary. If there is a discrepancy between a Clinical Policy Bulletin (CPB) and a member's plan of benefits, the benefits plan will govern.
• In addition, coverage may be mandated by applicable legal requirements of a State, the Federal government or CMS for Medicare and Medicaid members. 

See CMS's Medicare Coverage Center

• Please note also that Clinical Policy Bulletins (CPBs) are regularly updated and are therefore subject to change.
• Since Clinical Policy Bulletins (CPBs) can be highly technical and are designed to be used by our professional staff in making clinical determinations in connection with coverage decisions, members should review these Bulletins with their providers so they may fully understand our policies.
• While Clinical Policy Bulletins (CPBs) define Aetna's clinical policy, medical necessity determinations in connection with coverage decisions are made on a case by case basis. In the event that a member disagrees with a coverage determination, Aetna provides its members with the right to appeal the decision. In addition, a member may have an opportunity for an independent external review of coverage denials based on medical necessity or regarding the experimental and investigational status when the service or supply in question for which the member is financially responsible is $500 or greater. However, applicable state mandates will take precedence with respect to fully insured plans and self-funded non-ERISA (e.g., government, school boards, church) plans.

See Aetna's External Review Program

• The five character codes included in the Aetna Clinical Policy Bulletins (CPBs) are obtained from Current Procedural Terminology (CPT®), copyright 2015 by the American Medical Association (AMA). CPT is developed by the AMA as a listing of descriptive terms and five character identifying codes and modifiers for reporting medical services and procedures performed by physicians.
• The responsibility for the content of Aetna Clinical Policy Bulletins (CPBs) is with Aetna and no endorsement by the AMA is intended or should be implied. The AMA disclaims responsibility for any consequences or liability attributable or related to any use, nonuse or interpretation of information contained in Aetna Clinical Policy Bulletins (CPBs). No fee schedules, basic unit values, relative value guides, conversion factors or scales are included in any part of CPT. Any use of CPT outside of Aetna Clinical Policy Bulletins (CPBs) should refer to the most current Current Procedural Terminology which contains the complete and most current listing of CPT codes and descriptive terms. Applicable FARS/DFARS apply.

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

• Customer Stories
• Resume Quote / Application

What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Individual & Family Services

Non-insurance services for worldwide emergency evacuation, field rescue, medical transport, and 24/7/365 travel assistance.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Global workers' compensation case management, security assistance services, insurance administrative services, see prices & compare our travel medical plans.

T ravel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.

Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. For more information, check out our blog: " How to Choose the Best Travel Medical Insurance Plan ."

Travel medical coverage is ideal for:

• International vacationers
• Relatives visiting from overseas
• People going on cruises, safaris or guided tours
• International business travelers
• Students studying abroad

International Medical Group ®  (IMG ® ) also offers travel insurance  that protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out our  international health insurance . IMG plans include a wide range of medical benefits, protection, and support should a problem arise.

Popular Travel Medical Plans Ideal for Traveling Outside of Your Home Country

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• COVID-19 coverage for travelers to the U.S.
• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

iTravelInsured Travel SE

• Family-friendly plan for domestic and international destinations
• Trip cancellation maximum benefit up to 100% of trip cost
• Trip interruption maximum benefit up to 150% of trip cost
• Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
• $500,000 maximum benefit for medical evacuation and repatriation of remains

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

• Coverage for inside the U.S.
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*

Additional Travel Medical Insurance Plans

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Student & Scholar Insurance

Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups when traveling outside of your home country.

Need Extra Protection and Coverage?

Explore our travel insurance options.

Why Do I Need Travel Medical Insurance?

D epending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges.

Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses, and navigating a foreign health care system without the assistance you need.

However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.

Get even more information by checking out our article,  “Do I Need Travel Medical Insurance?”

How Much Does Travel Medical Insurance Cost? Less than $3 per day for an average plan.

Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.

Factors that Determine Cost The cost of a plan varies based on many factors including:

Age of traveler.

Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.

Destination

Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.

Duration of Trip

A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans .

Deductible, Maximum Limit, & Additional Optional Coverage

Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.

When Is Travel Health Insurance required? Some countries may require you to purchase travel health insurance to gain entry.

Traveling to schengen countries.

Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog about  Countries that Require Travel Medical Insurance for Entry to learn more.

Other Situations

You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You .

Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.

These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.

Recent Blog Articles

Where can you travel internationally right now.

There are many international destinations that you can currently visit, but here are eight popular spots to consider for your next leisure getaway.

Frequently Asked Questions

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).

Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.

International Students – Exempt as Non-Resident Aliens

Under the IRS international student exemption , anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.

That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here .

Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.

The Individual Mandate and Alien / Non-Alien Status

The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.

Am I a Resident or Non-Resident Alien?

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

Under IRS Publication 519 , Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Lite Travel Medical Insurance for coverage while you travel outside of the U.S.

If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Individuals not residing in the U.S.
• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
• Individuals with a coverage gap of less than 3 months.
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of
• household income).
• Individuals with a religious conscience exemption (applies only to certain faiths).
• Members of a health care sharing ministry.
• Incarcerated individuals.
• Individuals with income below the tax filing threshold; and
• Members of Indian tribes

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.

However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
• Individuals with a coverage gap of less than 3 months
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
• Individuals with a religious conscience exemption (applies only to certain faiths)
• Members of a health care sharing ministry
• Incarcerated individuals

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

IMG plans provide you access to more than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip. 

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!

Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver. 

Check with your school to get your waiver status. 

To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.

IMG plans include customization options and add-ons, including add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Select why you are away from home.

Get plan recommendations and helpful resources., government services.

• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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Travel Medical Insurance: Emergency Coverage For International Travel

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Key Takeaways:

• Based on our comprehensive review, the companies offering the best travel medical insurance are Faye, IMG, Travelex, AIG Travel Guard and Allianz.
• Travel medical insurance is a specialized type of coverage that helps pay for medical bills and emergency evacuations if you’re hurt or become sick while traveling.
• Travel medical insurance might be worth considering for your next trip if you have a domestic health insurance policy that will not cover you in other countries.

What Is Travel Medical Insurance?

International travel medical insurance is a type of insurance that can help cover the cost of medical care abroad. If you’re on vacation and suffer a sudden injury or illness, you may need to receive care from a local facility, which your domestic health insurance might not cover. Depending on your location, you might even require transportation to a more advanced facility via Helivac or other specialized medical transport.

Without travel medical insurance, coverage is up to the discretion of your health insurance provider. If not covered, you could accrue thousands of dollars in medical bills by the time you return home, especially if you need emergency medical evacuation services. If you have a travel insurance plan with medical coverage, your insurance provider will cover certain expenses up to your coverage maximum.

Travel medical insurance is sold as a part of a larger travel insurance plan or as stand-alone coverage. When bundled with standard travel insurance, you’ll gain benefits like compensation for delayed baggage and nonrefundable trip costs if you’re forced to go home early. Most plans also include 24/7 assistance services that can help you communicate with local medical staff and arrange care payments.

Travel medical coverage is worth considering if your domestic health insurance does not extend to injuries and illnesses sustained abroad. For example, a private health insurance plan might provide coverage overseas, but Medicaid usually won’t . Consider a limited travel medical plan that provides secondary coverage if your health insurance has a higher deductible or out-of-pocket maximum. Like other types of travel insurance, travel medical coverage works on a reimbursement-based model — so it is important to keep documentation of all medical expenses you incur while on your trip.

Travel Health Insurance vs Traditional Travel Insurance

A medical-only travel insurance policy provides a limited range of benefits that can help cover the costs of emergency medical bills incurred while traveling.

Medical-only policies are typically more affordable than full travel insurance but will not provide trip delay and interruption benefits. For example, if you get sick on vacation and must go home, medical-only insurance will not compensate you for nonrefundable flights or hotel costs.

The table below summarizes the types of coverage you can expect from travel medical insurance policies versus a complete travel insurance plan.

The coronavirus pandemic shifted how most people travel worldwide, and travel insurance companies now typically include COVID-19 coverage within plans . Most reputable travel medical insurance companies list COVID-19 as a covered reason for medical coverage. If you are worried about the virus while traveling, we recommend reading your provider’s sample policy to ensure COVID-19 coverage is eligible for reimbursement.

Who Needs Travel Medical Insurance?

Some travelers may benefit more from travel medical insurance than others. If you have a pre-existing health condition, for example, you may need medical services or assistance abroad. You may also consider coverage if you plan on participating in extreme or adventure sports such as bungee jumping, windsurfing, or scuba diving. While some companies exclude extreme sport-related injuries from coverage, others offer add-on protection. For this reason, it is important to check coverage exclusions associated with a travel medical insurance plan before purchase.

Other types of travelers who could benefit from a travel medical insurance policy include jet-setters with a credit card that offers coverage for travel delays or trip interruptions, as there’s no need to purchase a full trip insurance policy in this case. Travel medical insurance may also benefit those strictly concerned about covering potential health expenses abroad, not trip expenses.

When Is Travel Health Insurance Required?

When you travel outside your home country, travel medical insurance may be required or strongly recommended. Many countries, particularly those in the Schengen Area of Europe , require travelers to have sufficient travel insurance before issuing a visa or allowing entry. This became an especially prominent issue during the COVID-19 pandemic when more and more countries outside of Europe began requiring Americans to carry medical insurance as a condition of travel.

To verify whether travel health insurance is required where you’re traveling, research your destination using the U.S. Department of State website . The Department of State maintains a list of entry requirements for U.S. passport holders and permanent residents. Travel experts recommend shopping for coverage at least one month before your trip to ensure the documentation arrives before you travel.

Depending on entry requirements and your current health insurance provider, your primary health insurance may qualify as sufficient medical coverage for a visa entry. Even if travel medical insurance is not required, you may still choose to invest in some level of coverage. Even with standard health insurance, you might not have any or enough coverage when you travel abroad — meaning even a minor injury could leave you with thousands of dollars in bills when you get home.

Read More: Travel Insurance For Visitors To U.S.

What Does Travel Medical Insurance Cover?

Travel medical insurance, also known as travel health insurance, is designed to cover various medical expenses incurred during your travels. Just as standard health insurance covers emergencies at home, travel medical coverage helps pay for hospital stays or healthcare expenses if you get hurt while traveling. However, most travel medical plans also include additional benefits beyond coverage for hospital bills.

Policies often have emergency medical evacuation coverage, which covers the cost of evacuation if you get hurt in a location without readily available medical care. Medical transport can become expensive, often costing tens of thousands of dollars , so this coverage can help keep you from paying out-of-pocket for life-saving services. Coverage may also include benefits for AD&D and repatriation of remains if you pass away abroad.

Also, pay attention to coverage levels and any deductibles when selecting a travel medical plan. Every travel medical plan should include a maximum amount your insurer should pay in the event of an accident, with some policy providers limiting coverage to as low as $5,000. Evaluate included coverages and limitations compared to policy pricing to ensure you’re getting a value for what you pay.

Most travel insurance plans state that the provider will not cover medical bills originating from a sporting injury. If you intend on backpacking, hiking, skiing or participating in another outdoor activity, look for an insurance provider offering a sports extension or add-on. The adventure sports add-on available from most travel insurance providers extends your medical benefits to include recreational accidents.

What To Know About Coverage Maximums, Exclusions and Deductibles

Understanding coverage maximums, exclusions, and deductibles is essential when purchasing a travel medical insurance plan. A coverage maximum is the most an insurer will pay for benefits such as emergency medical expenses. Exclusions include situations and procedures not covered under your travel medical policy. If your plan includes a deductible, it works like a domestic health insurance plan — you need to pay the deductible amount out-of-pocket before your insurance plan takes effect.

How Pre-Existing Conditions Affect International Health Insurance

Some travelers deal with pre-existing health conditions that could impact their travels. Life-long conditions such as asthma and diabetes to a more recent temporary diagnosis can affect your international health insurance coverage.

A few providers will not offer travel medical insurance to people with pre-existing conditions to avoid responsibility for travelers with a greater risk of medical needs overseas. Most other companies ask you to sign a waiver before agreeing to cover potential medical bills related to recent or ongoing health issues. This waiver typically requires proof that you’re medically able to travel, so expect to provide a letter from your physician stating so.

Angela Borden, a product marketing specialist at Seven Corners , encourages travelers with pre-existing conditions to “contact your insurance provider to be sure you fully understand the pre-existing conditions coverage for the plan you choose. Being prepared and having the information before you need it in an emergency makes a huge difference.” Borden also noted, “There may be a requirement for when you receive treatment for your pre-existing conditions. For example, some Seven Corners travel medical plans require you to receive immediate emergency care within 24 hours of the onset of symptoms for that treatment to be covered.” 

We encourage you to read through your policy’s fine print to fully understand any requirements for travel coverage with pre-existing conditions. This way, you can enjoy your trip with peace of mind.

Types of Travel Health Insurance Plans

When searching for travel health insurance plans, you may encounter primary, secondary, single-trip, and multi-trip insurance policies. In the sections below, we will explore each of these and detail which policies are best for specific travelers.

Primary vs. Secondary Health Insurance

Some travel medical insurance providers offer both primary and secondary health insurance plans. Primary plans pay for medical expenses before any other coverage you might have. This is especially useful for travelers whose primary plans only cover medical care domestically.

However, if you already have health insurance that extends abroad, consider a secondary travel medical insurance plan. This plan requires your existing health policy to pay first. Once you’ve hit your limits through your primary insurer, a secondary plan should cover the rest.

Do I Need U.S. Health Insurance To Qualify for International Travel Health Insurance?

You do not need U.S.-based health insurance to obtain certain international travel health insurance policies, such as most single-trip plans. However, note that domestic health insurance typically does not cover medical expenses abroad . However, some providers, such as HTH Worldwide , have separate policies available to travelers with and without a primary health plan.

If you do not have U.S. health insurance, we recommend purchasing a primary travel medical insurance plan. We also recommend considering primary travel medical insurance if your standard health insurance lacks international coverage.

Single-Trip vs. Annual Travel Medical Insurance

If you’re a frequent traveler and plan on taking multiple trips per year, you might consider annual travel medical insurance over a single-trip plan. Single-trip coverage only covers you for one trip. This trip could involve multiple destinations, such as traveling through various European countries over a few weeks. However, your coverage ends once you return home.

Annual travel insurance, also known as a multi-trip policy, typically covers policyholders planning to take several trips back-to-back, with coverage usually lasting up to a year. If you travel often, this coverage offers a cheaper and more ideal alternative to purchasing multiple single-trip policies. 

Note that your rates and coverage will vary based on your travel needs, so we recommend comparing quotes from multiple providers and deciding what’s most important to you in a travel medical insurance plan.

Health Insurance for Expats

If you plan to live and work abroad for more than a year, you may consider health insurance for expats over a standard travel insurance plan. These plans can provide long-term coverage for individuals and family members living overseas, and you can renew coverage annually for as long as you’re abroad.

However, travel medical insurance policies can provide additional protection not typically found through a standard international health insurance plan, such as emergency medical evacuation and repatriation coverage. If you’re an expat who plans to travel between countries often, then a long-term travel insurance plan that covers trip interruption or baggage loss along with medical emergencies may be ideal.

How Much Does Travel Medical Insurance Cost?

Insurers sell medical travel insurance as a package alongside other travel insurance protections, including trip cancellation and emergency evacuation insurance. When you purchase travel medical insurance as a part of a travel insurance package, expect to pay between 5% and 6% of your total trip cost in coverage.

The table below breaks down the average cost of the plans with the highest medical expense maximum from each listed travel insurance provider.

* Medical coverage is secondary to primary health insurance. Contact your travel insurance provider to learn more.

Factors That Affect the Cost of Travel Medical Insurance

Understanding what travel medical insurance companies evaluate when pricing policies can help you get the most out of your coverage. The following are the biggest factors that influence travel insurance prices :

• Trip duration
• Destination
• Coverage level

How Much Is Travel Medical Insurance for Visitors to the U.S.?

According to our research, travel medical insurance for people visiting the United States averages $89 to $115, based on quotes gathered for a 30-year-old Australian citizen traveling to the U.S. for 30 days.

The table below shows the average policy costs for top visitor travel insurance plans .

How To Purchase Travel Health Insurance

Purchasing a travel health insurance plan is fairly straightforward across most providers, based on our experience. If you already know what you’re most concerned about regarding coverage, you can purchase a plan quickly by following the steps below, which we’ve outlined using IMG’s quote process.

• Find travel medical insurance offerings: Most providers make it easy for you to navigate available plan options. IMG breaks down its coverage online by type of insurance, with its travel medical insurance front and center on its drop-down menu.

• Choose a plan: IMG lists its most popular travel medical plans first, with additional plans located toward the bottom of the webpage. Each plan either has a description of travelers it would suit best or plan highlights. You can also download plan brochures and browse through plan details to help make your decision easier.

• Provide your trip information: Travel medical insurance companies need your trip information to provide you with a quote. Companies will ask questions about your travel dates, destinations, total trip cost, number of travelers and more.

• Compare plans: We recommend comparing quotes from multiple providers for similar levels of coverage before deciding on a travel medical policy. Some providers, such as IMG, also allow you to compare plans against each other, which can be helpful in the decision-making process.

• Complete your purchase: Once you’ve decided on a plan, you may have to fill in some additional information to buy a policy, such as your home address, first trip payment date and more. Companies may also ask whether you’d like to purchase additional add-ons with your policy. You’ll then provide a form of payment and complete your purchase.

While this guide details IMG’s purchasing process, most travel medical insurance providers follow a similar process. Be sure to have your trip and traveler information on hand before beginning the buying process.

The Best Travel Medical Insurance Plans

Compare our top-rated travel insurers with medical coverage below:

Faye Travel Insurance

While Faye only offers one general travel insurance plan with high medical coverage limits of up to $250,000, more than other competitors we reviewed. The company also offers the option to add up to $250,000 in adventure and extreme sports coverage. Also, as long as you purchase coverage within 14 days of your initial deposit and are medically able to travel, Faye will cover some pre-existing medical conditions. We found the average cost of a Faye travel insurance plan is $298.

• Emergency medical coverage: Up to $250,000
• Medical evacuation and repatriation: Up to $500,000
• Pre-existing conditions coverage: Yes
• Medical deductible: Not applicable
• COVID-19 coverage: Yes (included under medical coverage)

Learn more : Faye Travel Insurance Review

IMG Travel Insurance

IMG is another one of our top picks for travel medical insurance. It offers a wide variety of medical coverage that caters to many travelers, with limits that go above and beyond other options if you purchase one of its highest-tier plans. The average cost of an IMG Travel Insurance plan is $217. However, it’s worth noting that our team found IMG was more expensive when choosing the highest medical coverage limits offered.

• Emergency medical coverage: Up to $8,000,000
• Medical evacuation and repatriation: Up to $8,000,000
• Pre-existing condition coverage: Includes emergency care if a pre-existing condition becomes life-threatening or requires immediate treatment
• Medical deductible: $0–$25,000 depending on the plan.

Learn more : IMG Travel Insurance Review

Travelex Travel Insurance

We chose Travelex as one of our top travel medical insurance providers primarily for its low-priced, affordable coverage. Its travel insurance plans offer up to $50,000 in medical coverage, and you can purchase an adventure sports upgrade if you plan on participating in such activities. However, we found its Travel Med policy — which may benefit spontaneous travelers and is available to purchase the day of your departure. However, this coverage is not available to travelers residing in Pennsylvania.

• Emergency medical coverage: Up to $50,000
• Pre-existing condition coverage: Available with a pre-existing condition exclusion waiver if you meet certain criteria 
• Medical deductible: Not available for primary coverage plans

Learn more : Travelex Insurance Review

AIG Travel Guard Insurance

AIG Travel Guard’s standard plans offer high limits for emergency medical coverage and medical evacuation, along with trip interruption, baggage, and cancellation coverage. It also offers a plan known as Medevac that provides travel medical and evacuation insurance for trips lasting up to a year. Based on our research, the Medevac plan offers high limits for evacuation of up to $5 million, much more than many other insurers we reviewed.

• Emergency medical coverage: Up to $100,000
• Medical evacuation and repatriation: Up to $1,000,000
• Pre-existing conditions coverage: Available with a pre-existing condition exclusion waiver if you meet certain criteria 
• Medical deductible: Not applicable  

Learn more : AIG Travel Guard Insurance Review

Allianz Travel Insurance

Allianz offers an affordable medical-only plan for travelers who may not need trip cancellation or interruption benefits or those with a credit card that already offers standard travel insurance benefits. This plan offers emergency medical benefits totaling up to $50,000 and emergency transportation benefits up to $250,000. Pre-existing coverage is also available if you meet the requirements.

• Emergency medical coverage: Up to $75,000
• Pre-existing conditions coverage: Available with a waiver if you meet certain criteria

Learn more : Allianz Travel Insurance Review

Why Trust Us?

How we ranked international health insurance providers.

When ranking international health insurance providers, we considered benefits that include emergency medical, evacuation and repatriation, pre-existing conditions and COVID-19 coverage. We also examined each company’s standard travel insurance plans and standalone medical coverage policies. Some providers offer higher medical limits through standard travel insurance policies versus others with standalone medical plans, which could appeal to travelers looking for medical coverage only.

How To Use Travel Medical Insurance

Say you’re taking a three-week trip to Germany . During your trip, your appendix bursts, requiring emergency medical care and surgery. If you have a travel medical insurance plan that provides $50,000 in emergency medical coverage, your insurer will cover up to that amount. If your medical bills extend beyond your purchased coverage limits, you must pay the rest out-of-pocket.

Suppose you suffer a medical emergency abroad in a remote location and require an airlift or transportation to a facility that can provide adequate medical care. A travel medical insurance policy would cover your expenses up to the maximum coverage amount, and you would pay the remaining balance.

Is Travel Health Insurance Worth It?

Travel health insurance is worth considering if you’re concerned about a medical emergency abroad. It offers worthwhile protection for medical emergencies and evacuations and can provide peace of mind. Many providers also offer pre-existing health condition waivers and policies that cover extreme or adventure sports, allowing different travelers to purchase a plan that fits their needs.

Borden, quoted earlier, encourages travelers to start by figuring out what their domestic health insurance does and does not cover when traveling. “Depending on the plan, you might not have any coverage out of the country,” she said. “Even if you do, it could be only for emergencies, and your health insurance company’s definition of an emergency might not be the same as yours.” 

Before you purchase travel medical insurance, we recommend you get quotes from at least three providers to compare costs and coverage limits. Also, read sample policies to familiarize yourself with coverage exclusions, and do not hesitate to contact a travel insurance agent with any questions.

Frequently Asked Questions Travel Medical Insurance

What is a security evacuation limit.

A security coverage limit is the amount a travel medical insurance plan will cover should you need to evacuate your destination due to political unrest, threats toward your well-being, war or natural disasters. Covered expenses include lodging, meals and transportation.

Does travel medical insurance cover visits to multiple countries?

Yes, travel medical insurance plans cover visits to multiple countries, so long as you specify which countries you will visit during the sign-up process.

Is there a cancellation fee with travel medical insurance plans?

Many travel medical insurance providers include a 10 to 15-day “free look period” where you can review a plan’s terms and conditions. If you are unsatisfied with the specified terms, you can cancel for a full refund within that period. However, the company may charge a cancellation fee if you cancel outside the set timeframe.

Methodology: Our System for Rating Travel Insurance Companies

Our team surveyed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to simulate an authentic customer experience. Here are the factors we take into consideration when rating providers:

• Cost (10%) : We obtained quotes for seven trips with varying destinations, number of travelers, traveler ages and trip costs. Travel insurance companies at or below our calculated average cost of $221 earn full points in this category
• Plan availability (10%) : We look for insurers that offer a variety of travel insurance plans and can customize a policy with coverage upgrades.
• Coverage details (29%) : A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. 
• Coverage times and amounts (34%) : Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%) : We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

A.M. Best Disclaimer

More Travel Insurance Guides

• Best COVID-19 travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for people visiting the USA
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• How much does travel insurance cost?

If you have questions about this page, please reach out to our editors at [email protected] .

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11 Best Travel Insurance Companies in May 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• 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.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

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

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

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

On a similar note...

Update April 12, 2024

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The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected medical costs. We highly recommend that you buy insurance before you travel. For more information on health, visit our page on  Your Health Abroad . You should also review the  country information page  for your destination before you travel.

Before you go, consider your insurance options.

• U.S. Medicare and Medicaid do not cover medical costs overseas.
• Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas.
• More information is also available on the  CDC insurance page .

Medical Evacuation Insurance

• Pays for medical care and emergency transportation.
• Can be purchased separately or as part of your travel health insurance policy.
• Is strongly recommended, particularly if you are visiting countries with limited health care facilities.

Travel Health Insurance

• Travel Health Insurance pays for emergency and/or routine medical services overseas.
• If you have health insurance in the United States, find out if it provides coverage for routine and/or emergency medical services abroad. More information is available on our page about  Your Health Abroad .
• If your health insurance coverage does not provide full coverage overseas, consider buying a short-term supplemental policy. Look for a policy that will make payments to hospitals directly.

Trip Cancellation Insurance

• Covers your financial investment in your trip, such as flights, cruises, or train tickets.
• May not cover any medical care you need overseas, so you may need a separate travel health insurance policy.
• Familiarize yourself with your travel and medical coverage before going overseas.

Considerations When Looking at Travel Insurance

Travel insurance varies widely, so you should carefully read the terms of an insurance policy to make sure it fits your needs. Before selecting a Travel Insurance, make sure it covers:

• The region(s) you will visit
• Your duration of travel
• Emergency medical care
• Medical transport back to the United States
• Travel/accommodation costs
• Enough financial coverage for worst-case scenarios
• Pre-existing conditions
• Activities you plan on engaging in

You should also make sure the insurance company has a 24-hour contact line, so that you and/or your medical provider overseas are able to reach the company if needed.

The Department of State assumes no responsibility or liability for the professional ability or reputation of, or the quality of services provided by, any provider.

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Short Term Medical Insurance for International Travel

Short-term travel health insurance  for employees.

Digital or in-person support available round the clock  for business travel

24/7 helpline, covid-19 cover and support, monthly live webinars , your benefits explained.

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Emergency Medical Cover

(in-patient and day-care treatment only)

(prescription drugs are those which legally can only be purchased when you have a doctor’s prescription)

Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:

• Emergency Security Assistance Hotline (not a free phone number)
• Country intelligence and security advice
• Daily security news and travel safety alerts

Maximum plan benefit US$270,000 €200,000    £166,000    CHF260,000

DOWNLOAD BENEFIT GUIDE

Duty of care without the administrative headache

Why choose us for business travel insurance for your employees, trusted leader, worldwide reach, quick and efficient, visit our business hub, looking for a  different solution, international healthcare, regional healthcare, life & disability, short-term travel health insurance   faqs.

International insurance with group terms can be offered when there are three or more staff members.

For groups wishing to get a quote for short-term travel health insurance , please contact our Sales Support Team   who will be happy to provide you with a quote based on your requirements.

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International health insurance vs. travel medical insurance

Whether you opt for the short-term safety of travel medical insurance or the comprehensive security of international health insurance, the right choice helps ensure that your health.

When planning a trip or a long-term stay abroad, choosing the right insurance coverage is essential to protect against unexpected medical expenses. Two common types of coverage that travelers consider are international health insurance and travel medical insurance.

While both provide crucial health benefits, they serve different purposes and cater to different needs. Here’s a detailed comparison to help you understand the differences and decide which type of insurance is best for your situation.

What is travel medical insurance Travel medical insurance is designed primarily for short-term travelers who are looking for emergency medical coverage while they are away from their home country. This type of coverage focuses on providing protection on unforeseen illnesses and injuries that occur while traveling.

Key features

Emergency medical care : Covers the cost of treatment for emergency medical and dental care when you are abroad. Emergency evacuation : Includes services like air ambulance and medical repatriation, which are crucial if you need to be transported to a better-equipped facility or back home for treatment. Duration : Typically purchased for shorter durations ranging from a few days up to one year. Cost : Generally less expensive than international health insurance due to the limited coverage duration and narrower scope of benefits.

What is international health insurance Overseas health insurance, often referred to as expatriate health insurance, is comprehensive long-term coverage designed for individuals who are living or working abroad for extended periods. This type of insurance provides broader coverage than just emergency services—it includes routine health care, preventive services, and sometimes even maternity and dental care.

• Comprehensive medical coverage : Covers a wide range of medical services, including routine doctor visits, preventive care, chronic conditions, and hospital stays.
• Global coverage : Offers a broader scope of geographic coverage and is often customizable based on the countries you will be residing in or visiting.
• Long-term coverage : Designed for people staying abroad for an extended period, typically a year or more, with the option to renew.
• Higher cost : Reflects the more extensive coverage and longer duration, making it more expensive than trip medical coverage.

Choosing between the types of insurance

• Duration of stay : If you are going abroad for a short vacation or business trip, travel medical insurance is usually sufficient. However, if you plan to live or work abroad for an extended period, international health insurance is more suitable due to its comprehensive coverage.
• Type of coverage needed : For trips focused on leisure or short-term travel where only emergency coverage is necessary, medical insurance for traveling abroad will typically suffice. If you need coverage that includes preventive care and treatment for existing conditions, overseas health insurance is the better choice.
• Budget considerations : Trip medical insurance is more cost-effective for short trips due to its limited coverage. For long-term stays, while overseas health insurance is more expensive, it offers extensive benefits that justify the higher premium.
• Legal requirements : Some countries require expatriates to have comprehensive health coverage as part of the visa process. In such cases, worldwide health insurance may be necessary to meet these legal requirements.

Conclusion While both overseas health insurance and single trip medical insurance provide vital services, the choice between the two depends on your specific needs related to the length of your stay, the type of coverage required, and your budget. Understanding these differences enables you to make an informed decision that ensures you are adequately protected while abroad.

Whether you opt for the short-term safety of travel medical insurance or the comprehensive security of international health insurance, the right choice helps ensure that your health, and your finances, are safeguarded during your time overseas.

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Short-Term Missionary Insurance: for Trips Under 12 Months

Missionaries serving God overseas encounter unique risks as well as common ailments and accidents which become serious if medical facilities are out of reach or simply not available.

That’s why our experienced Client Advisors have chosen the short-term international travel medical insurance plans you’ll find here. These plans provide short-term missionaries with major medical benefits, emergency medical evacuation and repatriation coverage as well as at-home benefits. The plans here are recommended for trips 12 months long or less. For trips longer than 12 months, see our Long Term Insurance plans .

All you need to do is review the insurance benefits and brochure to decide if a plan suits your needs. Then get a quote and apply. When you make your purchase, the insurance carrier will email you an ID card and confirmation notice. In most cases, you can have coverage for your short-term overseas mission trip or furlough in less than 15 minutes.

Let’s get started. Choose insurance for your short-term trip from the options below:

Atlas International Travel Medical

Budget-friendly medical insurance for US and non-US citizens for coverage outside of their Home Country. COVID-19/SARS-CoV-2 ARE Covered! You have the freedom to choose any doctor, coverage from 5 to 364 days, and no medical questions to answer. Instant international health insurance for travel outside of the US. Print your ID cards and proof of insurance from your printer. This plan satisfies all visa requirements.

• Review Benefits
• Get a Quote and Apply

Atlas International Travel Medical Overview

Eligibility*.

US and non-US citizens who are at least 14 days of age are eligible for coverage outside of their Home Country, under this plan. Individuals age 70 to 79 as of the Certificate Effective Date are subject to a $150,000 Overall Maximum or less. Individuals age 80 and over as of the Certificate Effective Date are subject to a $10,000 Overall Maximum. COVID-19/SARS-CoV-2 ARE Covered!

Highlights and Benefits*

• Guaranteed issue! —no health questions!
• Covers COVID-19/SARS-Cov-2
• Coverage from 5 to 364 days.
• No Age Limits
• Competitive Rates
• Choice of 6 Medical Maximums up to $2,000,000
• In & Out of Hospital Benefits
• Choice of 7 Deductibles (NO deductible option)
• 100% Coverage after your deductible up to the policy maximum
• NO Urgent Care Center Co-Pay (outside USA-$15 inside USA)
• Emergency Medical Evacuation
• Repatriation of Mortal Remains
• Accidental Death ($25,000)
• Purchase on-line application & print ID card

Plan underwriter is Lloyd’s which is rated A (Excellent) by A.M. Best and A+ (Strong) by S&P

State and Country Restrictions*

Not available to individuals who are physically located in New York, Maryland, Washington, or Australia or Canada at the time of purchase.

Not available if the Home Country/Country of Residence is: Australia, Cuba, Iran, North Korea, or Syria.

Not Available for the following Destination Countries: Cuba, Iran, North Korea, and Syria.

Please call us at (800) 647-4589 or 01 (480) 821-9052 for help finding a comparable plan.

Plan Underwriter*

Pre-Existing Conditions*

This insurance policy excludes coverage for pre-existing conditions, except as provided for under the Acute Onset of Pre-existing Conditions benefit. This policy defines a pre-existing condition and provides the description of the Acute Onset of Pre-Existing Conditions benefit.

Please review the Description of Coverage Here for more information and details. 

* Questions about what you see here? Please review the policy Brochure for a summary of the plan, or the Description of Coverage for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

The Beacon Travel Medical Plan

The Beacon offers the most comprehensive schedule of benefits available in today's travel medical insurance market and all at an affordable price. The Beacon policy maximums are the highest offered among all of our various travel medical products. Don’t leave home without it!

The Beacon Travel Medical Plan Overview

Anyone more than 14 days old who travels outside of their home country should be protected with the Beacon Series. If you are a US citizen, your home country is always the US. If you are a non-US citizen, your home country is the location of your principal residence and where you receive mail at the time of your application for insurance.

Highlights and Benefits for Beacon Travel Medical Plan

• Up to $2,000,000 policy maximum (for travel outside of the US)
• Up to $1,100,000 policy maximum (for travel inside of the US)
• $0 deductible option
• In and out of hospital benefits
• Accidental Death and Dismemberment
• Accidental Dental coverage
• Trip Interruption
• Third Party Liability
• Trip Delay/Missed Connection
• Optional Extreme Sports Rider
• Terrorism coverage
• This plan can be renewed up to 730 days

The Beacon is available in all states in the US and all countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

The Beacon is underwritten by Lloyd’s, London, which is rated A (Excellent) by Standard & Poor’s and rated A (Excellent) by the A.M. Best Company.

* Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 or 01 (480) 821-9052.

Cavalry Travel Insurance

Our “Cavalry” has the best evacuation protection along with top of the line emergency medical coverage. Unlike most of our competition, the “Cavalry” can evacuate you ALL THE WAY HOME plus provides more than 2 dozen other travel insurance benefits. The administrator Redpoint Resolutions covers nearly 10 million travelers worldwide and has rescued clients from all seven continents.

Cavalry Travel Insurance Overview

US Citizens or legal residents traveling inside or outside the US wanting high end benefits in travel insurance.

Eligible for ages 0-90 years old.

• Evacuation and rescue services from your point of emergency all the way home
• $100,000 Emergency Medical Sickness and Accident Coverage
• 24/7 contact with medical and security professionals
• Trip cancellation up to 100% of Trip Cost
• Optional Cancel for Any Reason addition
• Pre-Existing Conditions Covered (if insurance is purchased within 14 days of the initial trip deposit)
• Trip interruption up to 150% of Trip Cost Limit
• No Deductible! Guaranteed Issue!
• Missed connection
• Changed Fee Reimbursement
• Accidental Death and Air Flight Accidental Death Coverage
• Lost baggage and baggage delay
• Mortal Remains Transportation
• 24/7 Travel Assistance Included

Cavalry Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Cavalry Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Cavalry Travel Insurance plan: Canada and Australia.

Cavalry Travel Insurance is underwritten by State National Insurance Company, Inc. It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued clients from all seven continents.

GeoBlue Voyager

Health insurance and assistance for short-term international travel. NOW covers COVID-19!

GeoBlue Voyager Overview

At last a “travel medical” plan that:, covers pre-existing conditions, offers direct bill on overseas claims, has no pre-certification penalties.

Simply, the most unique travel medical plan MissionaryHealth.net has EVER offered!

This plan is available to U.S. residents, age 95 or younger, who live in approved states. This is a nonrenewable plan. Subsequent periods of insurance can be purchased, in which case new Deductible, Eligibility and Pre-existing Condition Exclusions will apply. There is no pre-existing condition exclusion.

• Up to $1,000,000 medical/$500,000 evacuation
• Up to 180 days of coverage. One policy extension
• is available
• A choice of medical limits and deductibles
• Pre-existing conditions coverage is available*
• Two levels of coverage are available: Essential and Choice*
• Group plans are available with a 10% discount for groups of five or more.
• Available up to age 95*

GeoBlue Voyager is available in all states.

Underwritten by 4 Ever Life International Limited, Bermuda, an independent licensee of the Blue Cross Blue Shield Association.

Group Outreach Travel Medical Insurance

Most travelers assume they will be covered by their standard medical plan. The truth is, while traditional plans may offer adequate domestic coverage, they are not designed for international travel. Without even realizing it, you may be putting your health - and that of your group - at risk.

Group Outreach Travel Medical Insurance Overview

Outreach Group Travel Medical Insurance is designed to meet the needs of international travelers looking for temporary medical insurance coverage while traveling outside of their home country. In addition to medical benefits, the plan includes coverage for emergency medical and political evacuation, repatriation, and a choice of deductibles and plan maximums. 

Highlights and Benefits

• Three maximum limits; $50,000, $100,000, and $250,000
• Three individual deductible choices; $0, $100, and $250
• Medical Expenses — up to the maximum limit
• Out-patient Medical Expenses — up to the maximum limit
• Prescription Drugs — up to the maximum limit
• Emergency Medical Evacuation — up to $500,000 lifetime maximum (independent of the Maximum Limit)
• Emergency Reunion — up to $50,000
• Return of Mortal Remains — up to $50,000
• Return of Minor Children — up to $50,000
• Sudden and Unexpected Recurrence of a Pre-existing Condition – Medical
• Sudden and Unexpected Recurrence of a Pre-existing Condition – Emergency Medical Evacuation (for US citizens only)
• Common Carrier Accidental Death
• Accidental Death & Dismemberment
• Plus Optional Riders!

For a full description of the plan, please see our brochure.

Harbor Travel

Specifically designed for the budget minded traveler. Feel confident that while traveling, the claims administrator Redpoint Resolutions covers nearly 10 million travelers worldwide and has rescued clients from all seven continents.

Harbor Travel Overview

US Citizens and legal residents are eligible to purchase the Harbor Travel trip cancellation, medical, and emergency medical evacuation for travel inside and outside of the US.

• Pre-Existing Conditions Waiver
• No Deductible!
• Guaranteed Issue!
• Emergency medical expense up to $100,000
• Emergency medical evacuation up to $250,000
• Mortal Remains Transportation up to $15,000

Harbor Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Harbor Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Harbor Travel Insurance plan: Canada and Australia.

Harbor Travel is underwritten by State National Insurance Company, Inc., It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued client from all seven continents.

High Limit Accidental Death Insurance

Traveling or living overseas can have it’s dangers. For example, the biggest cause of death for US citizens traveling or living overseas is automobile accidents. Plus many countries where our clients travel present a higher risk of danger due to adverse living conditions, terrorism or war. Protect your family 24/7 by purchasing our affordable accident death protection whether it’s for only a few days or a few years. Simplified issue with NO medical underwriting!

High Limit Accidental Death Insurance Overview

Why do I need Accidental Death & Dismemberment Protection?*

Anyone ages 18-74 who needs accident protection, including… *

• Missionaries living overseas.
• Personal or Business Travel – Domestic or International.
• War Zone coverage – Most life insurance companies will not cover individuals that travel to War Zones or who have recently traveled to War Zone, with the High Limit Accident policy we have no problem providing coverage to them in these high risk areas.
• Contractors in War Zone who need to provide coverage to their employees.
• Security Guards in War Zones who need personal coverage.
• Hazardous occupations such as Logging, Roughneck, Fisherman, Pilots and many more.
• Key Person coverage.
• High Limits – $50,000,000 or more.
• Personal or Business Travel – Domestic or International.
• Estate Planning Purposes.
• Can be tailored to include: war & terrorism, aviation, common carrier, motor racing, mountain climbing, and more!

High Limit Accidental Death Insurance is available in all states except: Colorado, Connecticut, Montana and Rhode Island. Excluded states and countries are subject to change; please contact us at (800) 647-4589 for an up-to-date list.

High Limit Accidental Death Insurance is underwritten by certain underwriters at Lloyd’s of London, the world’s oldest and largest insurance market.

* Questions about what you see here? Please download the plan brochure for a complete schedule of benefits, exclusions, and other details. Or give us a call at (800) 647-4589 

International Assurance Travel Medical Plan

International Assurance – Our most “unique” travel medical plan for groups of 2 or more who are traveling outside or to the USA. Why is it unique? Four reasons: 1) one low daily premium rate regardless of your age. This makes our International Assurance plan so easy – especially for groups. 2) higher policy maximums than other plans. In fact, our coverage goes as high as $1,200,000. 3) guaranteed instant issue. 4) coverage can be extended up to 728 days when most other plans only go up to 6 or 12 months. Finally the International Assurance plan is fully insured by the worlds oldest and largest insurer.

International Assurance Travel Medical Plan Overview

International major medical.

Great option for Foreign National “residents” in the US or Foreign Nationals traveling anywhere outside their home country including the US.  For ages 0 – 84. Medical Maximum up to $1,000,000.00. Can be issued from 1 day up to 6 months with rewrites. 

International Major Medical Overview

Great option for Foreign National “residents” in the US or Foreign Nationals traveling anywhere outside their home country including the US.  For ages 0 – 84. Medical Maximum up to $1,000,000.00. Can be issued from 1 day up to 6 months with rewrites.

• Up to $1,000,000 policy maximum  (benefit reduced after age 69)
• Immediate policy issue
• Covid medical rider available
• Emergency medical evacuation, terrorism, AD&D and repatriation coverage automatically included
• After the deductible, 100% UCR (NO co-insurance)
• Zero deductible option
• Great optional Hazardous Sports Rider

International Major Medical is available in all states and countries, EXCEPT AK, CO, CT, DE, IA, KY, MD, ME, MO, MS, MT, NC, NE, NJ, NM, NY, RI, SC, AD, & TN. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

TME Travel Insurance Plan

The perfect option for those looking for either Trip Cancellation, Travel Medical, Emergency Medical Evac, or all of the above! For US residents traveling within or outside of the USA who are wanting to customize their perfect plan to fit their travel needs. Tons of different options for all scenarios. Infectious diseases are covered, including COVID-19.

TME Travel Insurance Plan Overview

Click Here for a Highlight Flyer

See Brochure Here

Get A Quote/Buy Here

US citizens or residents traveling within or outside the USA (150 or more miles from home)! Infectious diseases ARE covered, including COVID-19. Great for vacationers, cruises, snowbirds, business travelers, students, missionaries, church groups, volunteers, frequent travelers, expatriates, families, employer groups, association groups, and union groups. Really any group!

• Easy, quick online enrollment
• Different Plan Options to Choose From
• Trip Cancellation Options: Choice, Preferred, or Elite (can include Cancellation for Any Reason)
• Quarantine (Trip Delay) Coverage
• Travel Medical benefit if you are traveling or residing more than 150 miles away from home or outside your home country
• Issued up to age 100
• Infectious diseases ARE covered, including COVID-19
• Medical Evacuation Coverage
• Optional Air medical transportation all the way home to hospital of your clients choice (not just nearest like other plans) – a great add-on to any “international” trip insurance
• Ground Ambulance during air transport from hospital to hospital
• Transport of the insured’s traveling companion or family member of evacuated person
• Repatriation of mortal remains
• Short or long-term quotes
• Fully Insured by A+ (Superior) rated by AM Best (not a club or travel service company)

TME Travel Med Evac is available in all states and countries. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

Ripcord Rescue Travel

This statement says it all, "We thought we were going to die...$372.00 was the best investment I ever made." - Ripcord Client, Jerry R. - Evacuated from Mount Everest. Our Ripcord Travel Protection program is tailored for the adventurer whether the adventure takes you inside or outside the USA. Feel confident that while traveling, the claims administrator, Redpoint Resolutions, covers nearly 10 million travelers worldwide and has rescued clients from all seven continents.

Ripcord Rescue Travel Overview

US Citizens and legal residents are eligible to purchase the Ripcord Rescue Travel trip cancellation, medical, emergency medical evacuation, security evacuation and rescue for travel inside and outside of the US.

• Insurance coverage tailored for adventurers
• Completely integrated program with a single contact for emergency services to travel assistance and insurance claims
• Emergency medical evacuation and Rescue up to $750,000
• Travel Assistance

Ripcord Rescue Travel Insurance is available in all states, except NY, AK, MD, and SD. Also, the Ripcord Rescue Travel Insurance cannot insure destinations of Cuba, Iran, North Korea, South Sudan, Sudan, Syrian Arab Republic, and Venezuela. Countries whose citizens are restricted from buying the Ripcord Rescue Travel Insurance plan: Canada and Australia.

Ripcord Rescue Travel is underwritten by State National Insurance Company, Inc. It is administered by Redpoint Resolutions, who cover nearly 10 million travelers worldwide and has rescued clients from all seven continents.

USAway Travel Major Medical

Great for US citizens traveling outside the USA including all “US territories” or “dangerous” countries of conflict that other travel medical plans exclude. For ages 0 – 80. Medical Maximum up to $5,000,000.00. Can be issued from 1 day up to 6 months with rewrites.

USAway Travel Major Medical Overview

• Up to $5,000,000 policy maximum  (benefit reduced after age 69)

USAway Travel Major Medical is available in all states and countries EXCEPT AK, CO, CT, DE, IA, KY, MD, ME, MO, MS, MT, NC, NE, NJ, NM, NY, RI, SC, AD, & TN. Excluded states and countries are subject to change; please contact us at (800) 647-4589 or 01 (480) 821-9052 for an up-to-date list.

If you can’t find what you’re looking for or have questions, please call (800) 647-4589 or 01 (480) 821-9052; or ask a Client Advisor and we’ll be in touch soon. If you’re buying insurance for a group of 5 people or more, please see our Group Missionary Insurance plans.

You Can Reach Us By:

(800) 647-4589 01 (480) 821-9052

[email protected]

(866) 793-4779 01 (480) 821-9297

1757 E. Baseline Rd., #126 Gilbert, Arizona 85233, USA

• Best overall
• Best for expensive trips
• Best for exotic trips
• Best for annual plans

How we reviewed travel insurance for seniors

Best travel insurance for seniors of may 2024.

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.

Reaching your golden years doesn't mean your adventures have to end. In fact, in this stage of life, you'll hopefully have more time and resources to travel. But as a senior citizen, you'll want to ensure you have travel insurance that covers any health-related issues arise while you travel.

Our top picks for the best senior travel insurance

• Best overall: Allianz Travel Insurance
• Best for expensive trips: John Hancock Travel Insurance
• Best for exotic trips: World Nomads Travel Insurance

Best for annual plans: Travel Guard

How we rate the best senior travel insurance companies »

Compare travel insurance for seniors

Your health gets more unpredictable as you age, which makes travel insurance more important for seniors. Unfortunately, it's also more expensive. The best travel insurance for seniors won't have too steep of a price hike compared to rates for younger travelers. It will have high coverage limits for emergency medical coverage, trip cancellations, and and emergency medical evacuation. It's also important that your travel insurance offers pre-existing condition waivers , ideally at no extra cost to the traveler. 

Here are our picks for the best travel insurance coverage for seniors in 2024.

Best overall: Allianz

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Good option for frequent travelers thanks to its annual multi-trip policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Doesn't increase premium for trips longer than 30 days, meaning it could be one of the more affordable options for a long trip
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Some plans include free coverage for children 17 and under
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Concierge included with some plans
• con icon Two crossed lines that form an 'X'. Coverage for medical emergency is lower than some competitors' policies
• con icon Two crossed lines that form an 'X'. Plans don't include coverage contact sports and high-altitude activities
• Single and multi-trip plans available
• Trip cancellation and interruption coverage starting at up to $10,000 (higher limits with more expensive plans)
• Preexisting medical condition coverage available with some plans

Allianz Travel Insurance is one of the most widely recognized names in travel insurance, and it stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies , for example, cover any trip you make during your policy period, even if they aren't yet planned, making it an excellent option for seniors who vacation multiple times per year.

Read our Allianz Travel Insurance review here.

Best for expensive trips: John Hancock

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers 3 travel insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Cancel for any reason rider available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable travel insurance premiums
• con icon Two crossed lines that form an 'X'. Reviews of claims process are mixed
• con icon Two crossed lines that form an 'X'. Buyers may not get specialty coverage for sports equipment and other high value items
• Trip cancellation for 100% of the trip cost
• Trip interruption insurance for up to 150% of the trip cost
• Emergency medical coverage of up to $250,000 per person
• Medical evacuation coverage of up to $1,000,000

John Hancock Travel Insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason) . Plus, getting a free online quote is a quick and straightforward process.

Read our John Hancock Travel Insurance review here.

Best for exotic trips: World Nomads

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage for 200+ activities like skiing, surfing, and rock climbing
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Only two plans to choose from, making it simple to find the right option
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. You can purchase coverage even after your trip has started
• con icon Two crossed lines that form an 'X'. If your trip costs more than $10,000, you may want to choose other insurance because trip protection is capped at up to $10,000 (for the Explorer plan)
• con icon Two crossed lines that form an 'X'. Doesn't offer coverage for travelers older than 70
• con icon Two crossed lines that form an 'X'. No Cancel for Any Reason (CFAR) option
• Coverage for 150+ activities and sports
• 2 plans: Standard and Explorer
• Trip protection for up to $10,000
• Emergency medical insurance of up to $100,000
• Emergency evacuation coverage for up to $500,000
• Coverage to protect your items (up to $3,000)

World Nomads Travel Insurance is a great choice for active senior citizens under 70 who want comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads' trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years, World Nomads suggests working with its partner, TripAssure .

Read our World Nomads Travel Insurance review here.

Trip cancellation coverage for up to 100% of the trip cost and trip interruption coverage for up to 150% of the trip cost

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation coverage of up to 100% of the cost, for all three plan levels
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR covers up to 75% of total trip costs (maximum of $112,500 on some plans) 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Medical coverage of up to $500,000 and evacuation of up to $1,000,000 per person
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes COVID coverage 
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Above average baggage loss and delay benefits
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical evacuation coverage
• con icon Two crossed lines that form an 'X'. Premiums may run slightly higher than competitors

Travel Guard is a well-established and highly rated name in the travel insurance industry. It offers three main coverage options to choose from, and in general its policies have above-average coverage for baggage loss and baggage delays, plus high medical evaluation coverage limits.

• Trip cancellation coverage for up to 100% of the trip cost
• Trip interruption coverage for up to 150% of the trip cost
• Preexisting medical conditions exclusions waiver must be purchased within 15 days of initial trip payment
• Annual travel insurance plan and Pack N' Go plan (for last-minute trips) available

Travel Guard  offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is its Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Read our AIG Travel Guard Insurance review here.

Understanding travel insurance for seniors

Before diving into the specifics, it's essential to understand what travel insurance is and why it's particularly important for senior travelers. The best travel insurance offers financial protection against unexpected events affecting your trip, such as trip cancellations, medical emergencies, or lost luggage.

Types of coverage

• Medical Coverage: Ensures your medical expenses are covered in case of illness or injury.
• Trip Cancellation/Interruption Coverage: Provides reimbursement if your trip is canceled or cut short due to unforeseen events.
• Baggage Coverage: Covers loss, damage, or theft of personal items during your trip.

Benefits of travel insurance for seniors

• Peace of Mind: Knowing you're covered in case of emergencies can make your travel stress-free.
• Financial Protection: Shields you from potentially overwhelming medical costs and trip cancellations fees.
• Assistance Services: Many plans offer 24/7 assistance services, providing help whenever and wherever you need it.

Making the most of your plan

After choosing a plan, it's crucial to understand your policy fully and know what services are available to you in case of an emergency.

Understanding your policy

• Read the fine print and understand the claims process to avoid surprises.

Emergency assistance services

• Familiarize yourself with the emergency assistance services offered by your plan and keep all necessary contact information handy.

How to pick senior travel insurance

It's wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you're a senior citizen include:

• Travel medical coverage - This coverage will pay for your medical bills outside the US.
• Medical evacuation coverage - If you're injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
• Preexisting conditions - Coverage for known health conditions. You'll need to purchase travel insurance within a certain time period from when you book your trip to qualify for a preexisting condition waiver .
• Cancel for any reason (CFAR) - The name says it all! It'll cost extra and you'll need to purchase insurance early, but it's the most comprehensive trip cancellation coverage you can get. Note that CFAR insurance usually only covers up to 75% of your trip fees.
• Trip cancellation insurance - This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
• Baggage delay insurance - This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
• Lost luggage insurance - This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You'll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You'll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

When comparing senior travel insurance options, we looked at the following factors to evaluate each travel insurance provider:

• Coverage limits: We looked at each travel insurance company's coverage amounts for benefits like medical emergencies and trip cancellation.
• Flexibility: We looked at how customizable a policy is, so you can choose what your travel insurance policy covers .
• Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
• Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
• Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

You can read more about our insurance rating methodology here.

Seniors should look for travel insurance policies that offer comprehensive medical coverage, including for preexisting conditions and emergency medical evacuation. They should also consider policies with higher coverage limits to ensure adequate protection. Additionally, seniors should seek travel insurance plans that provide 24/7 assistance services, as well as coverage for trip cancellations, interruptions, and baggage protection.

The cost of senior travel insurance coverage can vary depending on your age, overall health, state of residence, travel destination, and length of your trip. However, assuming all other factors are the same, you'll pay more for travel insurance at 70 than at 30.

All travel insurance companies, except World Nomads, included in this guide offer coverage for pre-existing medical conditions as long as you buy your policy within the qualifying period from when you placed your trip deposit.

Allianz is the best travel insurance for seniors due to its wide array of medical coverages and emergency medical transport. Allianz also offers multi-trip insurance policies , which could make sense for seniors who travel frequently.

In some instances, travel insurance companies will have age eligibility restrictions, often only insuring people 80 years old and younger.

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.

**Enrollment required.

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Local elections live: 'Devastated' Tory candidate Andy Street refuses to blame Rishi Sunak after shock West Midlands defeat

Labour pulls off a stunning victory in the West Midlands mayoral election, with Tory incumbent Andy Street losing by just 1,508 votes.

Sunday 5 May 2024 00:22, UK

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• Labour wins West Midlands mayoral election
• 'Devastated' Street refuses to blame Sunak for loss
• Tory MP says 'awful' results should be 'massive wake-up call' in WhatsApps leaked to Sky News
• Khan heckled by losing candidate as he's declared winner of London mayoral election
• Darren McCaffrey:  London loss asks bigger questions of the Conservatives
• Andy Burnham re-elected as Greater Manchester mayor
• Lib Dems win more council seats than Tories in England
• Sam Coates:  Tory MPs sad but not mutinous
• Vote 2024:   Council results in full  |  Mayoral results in full
• Live reporting by Charlotte Chelsom-Pill and (earlier)  Ben Bloch

Thanks for joining us for another extremely busy day of local election news. You can join us tomorrow morning for a special election episode of Sunday Morning with Trevor Phillips.

Until then, here are today's headlines:

• Tory incumbent Andy Street has suffered a shock loss to Labour in the West Midlands mayoral race in a major blow to the prime minister;
• Labour leader Sir Keir Starmer has heralded the win as a "significant piece of political history";
• Sadiq Khan has won a historic third term as London mayor;
• Andy Burnham was re-elected as Greater Manchester mayor for a third term with more than 60% of the vote;
• Labour also won mayoral races in West Yorkshire, South Yorkshire, Liverpool City Region and Salford ;
• The results mean Labour has won all but one of the mayoral races they were contesting, losing Tees Valley to the Tory incumbent;
• The Conservatives have lost 473 seats and control of 12 councils;
• Labour has gained eight councils and 185 seats;
• The results mean the  Liberal Democrats  have won more council seats than the Conservatives;
• The  Green Party  has netted an extra 74 seats, making serious gains in places like Bristol.

Richard Parker has pulled off a surprise victory in the West Midlands mayoral election.

The Labour candidate unseated Andy Street, winning by just 1,508 votes, to end the Tory's seven-year term.

Here's what you need to know about the relatively unknown politician.

Originally from Bristol, Mr Parker's father was a dock worker and his mother a school secretary.

He left school aged 16 and went straight to work at a local port authority before getting an economics degree.

Mr Parker went to work for PwC in 1989, where he gained his accountancy qualifications and went on to become a partner, managing the accountancy firm's relationship with the Labour Party.

Mr Parker also worked with council leaders to set up the West Midlands Combined Authority in 2016 before leaving to set up his own company RP Strategy.

Read more here:

By Andy Hayes, news reporter

Tory incumbent Andy Street has suffered a shock defeat to Labour in the West Midlands mayoral election after a partial recount was ordered.

Labour's Richard Parker beat Mr Street by just 1,508 votes - 0.25% - to deliver a major blow to Rishi Sunak in the key electoral battleground after a hammering in the local elections.

With the race neck-and-neck, in the end it came down to the results in one borough - Labour-supporting Sandwell.

"This is the most important thing I will ever do," Mr Parker said in his acceptance speech.

"I promise you that I will deliver jobs," he added.

He told Sky News he would take buses "back into public control" and deliver the "largest programme of social housing we've had in this region for more than 40 years".

And he thanked his predecessor, who he said had "led this region through a number of great challenges and you deserve great credit for that".

Labour's win in the West Midlands has left Rishi Sunak with "just one man standing", Sky's  political editor Beth Rigby  says. 

The Conservatives have now lost all of the mayoral races in this election, with the exception of Tees Valley. 

Beth says one senior Labour figure has told her the West Midlands was the Tory scalp Labour really wanted - and were pulling resources from Tees Valley to make it happen.

"They were really fighting hard to take this Tory jewel from the crown," she says.

The "energy and the euphoria was palpable" within the Labour camp after victory was declared, Beth says .

"They were so wired, excited, euphoric about this win because for them it is huge."

She says you could feel among the Labour activists, and Sir Keir Starmer himself, that they are beginning to feel "they can really do this" in the general election.

Symbolically they can say "we took your crown jewel in the West Midlands and we are coming for those seats".

"It gives Starmer momentum and it will leave the Conservatives hugely deflated," she adds.

Labour's new mayor for the West Midlands Richard Parker tells Sky News he plans to "work really closely with a future Labour government".

"I think that's the best way for us to work together for the wider benefit of this region," he says.

Mr Parker defeated Tory incumbent Andy Street in a major blow to the Conservatives.

Labour's election success is a "vindication of the hard work that we've done to change the Labour Party," Sir Keir Starmer says.

He heralds the "phenomenal result" in the West Midlands, which saw Labour's Richard Parker defeat the Tory incumbent. 

But he says Labour is now stepping up again towards the general election "so that we can serve the working people once again as a new and changed party".

He is asked about the extent to which Labour's stance on the Gaza war has cost the party votes.

"Where we have not been able to persuade people who might otherwise have voted for Labour, it is important to acknowledge that - to say I have heard, I've listened and I am determined to meet the concerns they have and win back their trust and confidence."

"But nothing takes away from the significance of this victory here in the West Midlands," he says.

Labour's Richard Parker is appearing alongside Labour leader Sir Keir Starmer after winning the West Midlands mayoral race. 

"It's time for a fresh start ... we start on Monday," Mr Parker says to a loud applause.

Speaking next, Sir Keir declares: "What a way to end the local elections in 2024". 

"This is a significant piece of political history that we have made here today," he says.

Defeated Conservative mayor Andy Street tells Sky News he would advise against his party drifting to the right, saying his brand of "tolerant conservatism" has come "within an ace of beating the Labour Party".

"The thing everyone should take from Birmingham in the West Midlands tonight is this brand of moderate, inclusive, tolerant conservatism that gets on and delivered has come within an ace of beating the Labour Party in, what they considered to be their backyard," he says. 

"That's the message from here tonight."

Asked if he is worried the Conservative party is drifting to the right and over-emphasising the threat from Reform UK while "ignoring other voters", he said: "I would definitely not advise that drift.

"The psychology here is really very straight forward isn't it: this is the youngest, most diverse, one of the most urban places in Britain and we've done, many would say, extremely well over a consistent period.

"The message is clear: winning from that centre ground is what happens."

Mr Street lost to Labour's Richard Parker in the West Midlands mayoral race by a margin of 1,508 votes.

Defeated Conservative mayor Andy Street tells Sky News he is "hugely disappointed" and "devastated", but "incredibly proud" to lose by a small margin of votes in a region of millions, "given the situation the party finds itself in".

"Given that this has always been a place where some people said you should never have won in the first place, I'm actually very, very proud of what we've done," he says.

"I genuinely believed we were making real progress across the region on so many pieces.

"And for that to be closed off, that is disappointing in the extreme."

But he says "we did not persuade enough people that our record was as good as I believed it was, or that our plans for the future were exciting enough".

Asked if it was the national Conservative Party picture that led to his defeat, he said: "It was my campaign totally".

"I am not going to try to push responsibility anywhere else ... they'll be no sloping shoulders from me".

Defeated Conservative mayor Andy Street has said he is sorry he "couldn't make it the hat-trick" after losing to Labour's Richard Parker in the West Midlands mayoral race. 

In a short speech, Mr Street said it had been his "honour" to serve as mayor for the last seven years, telling his team "you will be back".

He says he hopes he has led with "dignity and integrity" and has "bequeathed to Richard a combined authority and indeed a role to which young aspiring leaders will want to aspire one day".

"In a sense, I can have done no more than that," he said.

Mr Street thanked his fellow candidates, including Mr Parker, for a "very courteous campaign", wishing Mr Parker "all strength and wisdom as he takes on this role".

"Thank you and goodnight," he concluded.

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