Whether you’re planning a relaxing beach getaway, a food-themed city break, or a safari adventure, you’re always at risk of having your international travel interrupted by injury, illness, or travel mishaps. trip.
Travel medical insurance can provide coverage for medical treatment, hospital stays and medical evacuations abroad, as well as travel reimbursement if you have to return home early for a covered reason.
Most policies also offer 24-hour emergency assistance, coverage for incidents of terrorism, and reimbursement for lost or stolen luggage. always read the wording of the policy to make sure you don’t get any surprises when trying to make a claim.
Here is an overview of the travel medical insurance coverage available from six major insurers:
1. travel around the world
Company qualification: worldtrips is a member of the tokio marine hcc group of companies. Tokyo Marine HCC’s Major National Insurance Carriers are rated “A++ (Superior)”* by A.M. best.
Summary of travel medical policies: atlas travel® and atlas premium® are single-trip travel medical plans that allow you to customize your coverage by choosing your deductible ($0 – $5,000) and the overall maximum coverage (up to $2 million). Policies are available for all ages of travelers taking trips up to 364 days. traveling with a group of 5 or more? choose atlas group® for a reduced rate of 10%. if you take multiple international trips in a year, get 364 days of coverage with atlas multitrip®.
featured policy: atlas travel
sample policy price: a 14-day atlas travel policy for a 30-year-old male traveling from the u.s. uu. to France would start at approximately $33.32** per 1,000,000 in coverage, with no deductible.
featured benefits: atlas travel includes up to $1 million for emergency medical evacuation coverage, up to $100,000 for political evacuation coverage, and up to $50,000 for terrorism coverage.
Limitations: Coverage of medical expenses related to pre-existing conditions and routine medical examinations are excluded, although coverage is available for the acute onset of a pre-existing condition for atlas travel policyholders under the age of 80 years (excludes chronic and congenital conditions). review your description of coverage for complete definitions, limitations, and exclusions.
company rating: a+ (best in the morning)*
travel medical policy summary: allianz offers a travel medical insurance policy called onetrip emergency medical. This plan provides coverage of up to $50,000 for medical emergencies and up to $250,000 for emergency medical transportation. trips can be up to 770 days.
featured policy: travel medical emergency
sample policy price: a 14 day trip emergency medical policy for a 30 year old male traveling from the us. uu. to france would start at about $45** for $50,000 in emergency medical expenses, with no deductible.
note: there is no general maximum limit for an emergency medical trip with allianz. all maximums are per benefit.
featured benefits: the policy covers expenses related to emergency travel, such as damage/loss of luggage and travel delays, in addition to emergency medical expenses and emergency medical transportation benefits.
Limitations: Pre-existing condition coverage is excluded from this travel medical policy unless you qualify for an exclusion waiver. see your plan description of coverage for a complete definition of pre-existing conditions, an explanation of the pre-existing condition exclusion waiver, and other exclusions.
company rating: a- (best in the morning)*
Travel Medical Policy Summary: Travel coverage is offered from 5 days to 12 months with a Patriot Travel Medical Insurance® policy. Choose from two main plans: Patriot America (for travel in the US) and Patriot International (for travel outside the US). these plans allow you to select your deductible ($0 – $2,500) and your policy maximum ($50,000 – $1 million). Patriot America is available in two additional plan levels: Patriot America Plus and Patriot America Platinum, while Patriot International also offers Patriot International Platinum.
featured politician: international patriot
sample policy price: a 14 day international patriot policy for a 30 year old male traveling from the us. uu. to France would start at $25.38** for $1,000,000 in coverage, with no deductible.
Featured Benefits: Get coverage for emergency medical evacuation up to $1 million, incidental emergency coverage in the us. uu. for up to 14 consecutive days and coverage for other emergency travel incidents.
Limitations: Coverage of medical expenses related to pre-existing conditions is excluded, although insureds under the age of 70 are covered for acute onset of pre-existing conditions under the patriot international plan. review your brochure and description of coverage for complete definitions, limitations, and exclusions.
4. seven corners
company score: a (best in the morning)*
travel medical policy overview: seven corners liaison® travel medical insurance plans offer coverage for trips from 5 to 364 days. Liaison Travel Basic, Liaison Travel Choice, and Liaison Travel Elite offer three levels of travel medical insurance coverage, while Liaison Travel Plus offers travel medical insurance with a COVID-19 treatment benefit. general coverage amounts range from $10,000 to $5 million and deductibles range from $0 to $5,000.
featured policy: link trip choice
sample policy price: a 14-day connecting trip election policy for a 30-year-old male traveling from the us. uu. to France it would cost about $37.55** for $1,000,000 of coverage, with no deductible.
Featured Benefits: This plan includes terrorism coverage up to $25,000, emergency medical evacuation and repatriation up to $500,000, and emergency room services.
Limitations: Coverage of medical expenses related to pre-existing conditions is excluded, although some insured are covered for the acute onset of pre-existing conditions. choose your plan documents from the “resources” sidebar for complete definitions, limitations, and exclusions.
company rating: a- (best in the morning)*
Travel Medical Policy Overview: Geoblue offers several travel medical insurance plans to suit your needs. their general plans include voyager (single trip), trekker (multiple trips) and xplorer (long term/expat). there are also specialty plans designed for group and educational experiences. These include Voyager (for groups of five or more), Navigator (for long-term education, crew, or missionary), and Corporate (for short- or long-term traveling employees). some plans include two levels of coverage to suit your budget and needs. select your maximum ($50,000 – $1,000,000) and deductible ($0 – $500) when purchasing your policy.
featured policy: voyager choice
sample policy price: a 14-day traveler’s choice policy for a 30-year-old male traveling from the us. uu. to France would start at approximately $33.46** per $1,000,000 in coverage, with no deductible.
featured benefits: the policy includes coverage for medical emergencies, emergency medical evacuation and other travel assistance benefits. coverage for some hazardous activities, such as downhill skiing and scuba diving, is also included in policies.
Limitations: Voyager Choice provides coverage for pre-existing conditions for medical services and medical evacuation, but only for people with a US certificate. uu. current. health plan. You must have a primary health plan to purchase this policy. see plan description for additional details on pre-existing condition coverage, limitations and exclusions.
6. international trade
company rating: a+ (best in the morning)*
featured benefits: choose one of five travel medical plans: safe travels outbound, safe travels outbound cost saver, safe travels schengen visa plan, safe travels international and safe travels international cost saver. customizable coverage options let you set a plan maximum ($50,000 – $500,000) and deductible ($0 – $2,500) to cover emergency medical expenses for travel up to 180 days.
featured policy: safe travel abroad
sample policy price: a 14-day foreign travel insurance policy for a 30-year-old male traveling from the us. uu. to france would start at $31.49** for $500,000 in coverage, with no deductible.
featured benefits: the plan offers coverage for travel medical expenses due to accident and illness, including covid-19 expenses, emergency evacuation up to $500,000 and accidental death & dismemberment up to $25,000. 24/7 access to emergency assistance is a complementary feature to help manage emergencies abroad.
Limitations: Secure travel abroad is only available to the us. uu. citizens traveling outside of the usa uu. other policies are available for non-us. uu. citizens traveling abroad, but there is no coverage for those traveling abroad to the us. uu. Policies place limitations on coverage for pre-existing conditions. See your plan brochure for more information on pre-existing conditions, when they’re covered, and when they’re excluded.
*at time of publication. For more information on these ratings, visit www.ambest.com.
**sample policy price based on April 2021 rate for a 30 year old traveling from the usa. uu. to France for 14 days without excess.