Travel Medical Insurance
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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 Kilimanjaro! | |||
| 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 |
| Purchase | | | | | |
| Underwriter | A Rated insurers including Jefferson or BCS Insurance Company, depending on your state, Arch Capital Group, ihi BUPA, certain underwriters at Lloyds or Chartis 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 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 – Not available in Indiana, New Hampshire or Washington State | All Nationalities |
| Medical Expenses | $100,000 to unlimited coverage depending on country of residence | $50,000 up to $1,000,000 Per Person | $50,000 up to $2,000,000 Per Person | $50,000 per person – Primary Coverage | Unlimited coverage |
| Pre-existing Conditions | No Coverage | No Coverage | $15,000 Medical/$25,000 Evacuation coverage for | 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 | $500,000 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 | $500,000 per person | Unlimited coverage |
| Repatriation of Remains | $10,000 to unlimited coverage depending on your country of residence | $25,000 when coordinated through IMG | $25,000 when coordinated through plan administrator | Included in Emergency Evacuation | Unlimited coverage |
| Emergency Reunion | Cover for a relative or friend to visit you in hospital or accompany you home. Limits depend on your country of residence and the circumstances. | $15,000 – maximum 15 days for friend or relative’s | $15,000 – maximum 15 days for friend or relative’s | 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 | $10,000 to $75,000 depending on your country of residence | $25,000 Per Person | $25,000 Per Person | $25,000 per person – 24 hour coverage | No coverage |
| Flight Accident | Included in medical and accidental death benefit limits | $50,000 | $50,000 | Upgrade available in Optional Transportation Pak $200,000 – as confirmed on your confirmation of coverage letter | No coverage |
| Trip Cancellation | Up to $10,000 depending on your country of residence | No Coverage | No Coverage | 100% Trip Cost | No coverage |
| Trip Interruption | Up to $10,000 depending on your country of residence | Up to $5,000 for economy return ticket for death | Up to $5,000 for economy return ticket for death | 150% of Trip Cost | No coverage |
| Trip Delay | Policy conditions depend on your country of residence | No Coverage | No Coverage | $750 Per Person – if delayed 5 hours or more | No coverage |
| Sports & Hazardous Activities | Cover for wide range of Adventure Sports | Leisure Sports Rider avialable | Leisure Sports Rider avialable | Upgrade available in optional Athlete Lifestyle Pak – as confirmed on your confirmation of coverage letter | No coverage |
| Lost Baggage | Up to $2500 depending on your country of residence | $50 per item up to $250 maximum (while in the possesion | $50 per bag up to $250 maximum (while in the possesion | $1,000 per person / $300 per article | No coverage |
| Baggage Delay | No Coverage | No Coverage | No Coverage | $250 – 12 hour minimum delay for lost or misdirected baggage | No coverage |
| Supplier Bankruptcy/Default | No Coverage | No Coverage | No Coverage | Coverage begins 14 days after policy effective date. | No coverage |
| Labor Strike | No Coverage | No Coverage | No Coverage | Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours | No coverage |
| Terrorism | Policy conditions depend on your country of residence | Included – up to $50,000 | Terrorism rider available for 25% additional premium | 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 | No Coverage | No Coverage | No Coverage | Transportation Pak upgrade available – as confirmed on your confirmation of coverage letter | 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 | Home Country Coverage available for International | Instant on-line fullfillment | Children under 18 are covered at no additional cost. Children must be related to the primary insured. Exclusions for Pre-Existing Medical Conditions do not apply to Non Traveling Family Members | 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 |
| Purchase | | | | | |
