Travel Medical Insurance

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

International citizens US citizens Great for Adventure Travelers!
Plan Name World Nomads Patriot America Patriot International Travel Select ihi Bupa Single Trip or Annual Travel Insurance
Company World Nomads Travel Insurance International Medical Group  International Medical Group  Travelex Insurance Services  ihi Bupa Travel
Best for Backpackers and families Adventure travelers
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Underwriter A Rated insurers including National Union Fire Insurance Company of Pittsburgh, Pa, ihi Bupa International, certain underwriters at Lloyds, AGA International SA or Chartis Insurance Company of Canada, depending on your country of residence. Sirius International – Rated A (excellent) by A.M. Best Sirius International – Rated A (excellent) by A.M. Best Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent) ihi Bupa Travel, a member of Bupa Group, rating Api
Available To International citizens and residents traveling outside home country, USA residents traveling over 100 miles from home & Canadian residents traveling out of province. International citizens traveling outside home country US citizens – traveling abroad US Residents All Nationalities
Medical Expenses $100,000 to unlimited coverage depending on country of residence $50,000 up to $1,000,000 Per Person
age 70 – 79 $50,000 Maximum
age 80+ $10,000 Maximum
$50,000 up to $2,000,000 Per Person
age 70 – 79 $50,000 Maximum
age 80+ $10,000 Maximum
$50,000 per person Unlimited coverage
More coverage details
Pre-existing Conditions No coverage, except as described in certain policies. Applies to you, your travelling companions and close relatives. No Coverage $15,000 Medical/$25,000 Evacuation coverage for
sudden recurrence of a Pre-exisitng condition when outside US
Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions Pre-existing medical conditions are excluded – However, a pre-existing conditions application is available to send in for underwriting review and possible approval.
Emergency Evacuation
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$300,000 to unlimited coverage, depending on your country of residence Up to Policy Maximum when coordinated through IMG Up to Policy Maximum when coordinated through plan
administrator
$500,000 per person Unlimited coverage
Repatriation of Remains $10,000 to unlimited coverage depending on your country of residence Up to $50,000 – when coordinated through plan administrator Up to $50,000 – when coordinated through plan administrator Included in Emergency Evacuation Unlimited coverage
Emergency Reunion Cover where medically requred dependent on your country of residence and the circumstances. $15,000 – maximum 15 days for friend or relative’s
travel expenses should you require Emergency Medical Evacuation
$15,000 – maximum 15 days for friend or relative’s
travel expenses should you require Emergency Medical Evacuation
If traveling alone and hospitalized 7 days or more. Provides transportation for friend or relative to be with you Compassionate Emergency Visit coverage
Accidental Death & Dismemberment
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$5,000 to $15,000 Cover depends on your country of residence. Some plans, no coverage. $25,000 Per Person
Optional increase of $100,000 to $400,000 available
$25,000 Per Person
Optional increase of $100,000 to $400,000 available
$25,000 per person No coverage
Flight Accident Cover included in medical evacuation and baggage coverage, depending on country of residence. $50,000
(included in Common Carrier)
$50,000
(included in Common Carrier)
Upgrade available in Optional “Transportation Pak” – $200,000 per person ($1 Million maximum plan limit) – as confirmed on your confirmation of coverage letter No coverage
Trip Cancellation $2,500 to 100% trip cost depending on your country of residence and reason for cancellation. No Coverage No Coverage 100% Trip Cost Optional
Trip Interruption $2,500 to $5,000 depending on your country of residence and reason for interruption. Up to $5,000 for economy return ticket for death
of your immediate family member while traveling
Up to $5,000 for economy return ticket for death
of your immediate family member while traveling
150% of Trip Cost
$1,000 Per Person for $0.00 Trip Cost Insured / Post Departure Coverage
No coverage
Trip Delay $500 to $1,000 depending on your country of residence and reason for delay. Daily limits apply. Some plans, no coverage. No Coverage No Coverage $750 Per Person – if delayed 5 hours or more No coverage
Sports & Hazardous Activities Automatic and upgradable cover for wide range of adventure sports and activities. Hazardous activities restricted. Check policy for details. Leisure Sports Rider avialable
Extreme Sports Rider available
Leisure Sports Rider avialable
Extreme Sports Rider available
Available in Optional “Active Family Pak” or “Adventurer Plus Pak” 100%
Lost Baggage Lost checked-in baggage by a Common Carrier up to $3,500 depending on your country of residence. Item limits apply. $50 per item up to $250 maximum (while in the possesion
of a Common Carrier)
$50 per bag up to $250 maximum (while in the possesion
of a Common Carrier)
$1,000 per person / up to $300 per article No coverage
Baggage Delay $300 to $750. Daily limits apply. No Coverage No Coverage $250 – 12 hour minimum delay for lost or misdirected baggage No coverage
Supplier Bankruptcy/Default Some plans provide cover for insolvency or bankruptcy, depending on country of residence. Check policy for limits and conditions. Some plans, no coverage. No Coverage No Coverage Coverage begins 14 days after policy effective date. No coverage
Labor Strike Some plans cover unforeseeable strike under trip cancellation or interruption. Some plans, no coverage. No Coverage No Coverage Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours No coverage
Terrorism Some plans include in cancellation / interruption. Other plans include cover for evacuation. Some plans, no coverage. Included – up to $50,000 Terrorism rider available for 25% additional premium
(medical coverage only)
This benefit only applies if the plan has been purchased within twenty-one (21) days of your initial trip payment or deposit. Accidents from Terrorist Acts are covered. War Risk coverage for Iraq and Afghanistan available. Please call for details.
Rental Car Insurance Some plans provide cover for the car insurance excess only, depending on country of residence. Some plans, no coverage. No Coverage No Coverage Available in Optional “Transportation Pak” – up to $35,000 damage protection No coverage
Travel Assistance 24 hour Toll Free Emergency Medical Assistance 24 hour Toll Free Emergency Medical Assistance 24 hour Toll Free Emergency Medical Assistance Included 24-hour emergency service: IHI Assist.
Special Features * Buy, extend and claim online from anywhere in
the world * Purchase whilst away from home * Free specialist safety alerts and advice, travel Q&A service,
travels journals and language guides
Home Country Coverage available for International
Citizens visiting their home country (select Patriot Return Rider)
Instant on-line fullfillment Children under age 21 can be protected at no additional cost when accompanied by a covered adult family member. Maximum trip cost $10,000. A Pre-existing conditions application is available to submit to underwriting for possible approval
Length Of Coverage 2 days up to 12 months, depending on country of residence. Unlimited extensions. 10 days to 12 months 10 days to 12 months Max trip length: 180 days up to 365 days
Over 65 Travel Insurance No Yes Yes Yes No
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Travel Medical Insurance

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare

Trip protection Insurance

Trip Protection Insurance reimburses your travel expenses if an unexpected crisis (e.g. sickness, airline strike etc) occurs before or during your trip causing it to be cancelled, interrupted or delayed. Compare

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When accidents happen

Imagine if you have become seriously ill, or had a car accident whilst traveling, would you be covered for treatment in the country? Would you have the support of an emergency assistant team to make sure you get the best treatment? Travel Insurance provides you with this.

When it gets really serious

Then imagine if you had to be repatriated? The cost of chartering a medivac flight, medical support in flight can run hundreds of thousands of dollars. Travel Insurance will keep you covered.

When plans change

1 week into your trip a hurricane wipes out your destination, perhaps a family member becomes ill, will you have to bear the burden of the cost of cancelling your trip? Travel Insurance can cover you.

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