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.

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	Featured Travel Insurance
Plan Name	World Nomads	Patriot America	Patriot International	Travel Plus
Company	World Nomads Travel Insurance	International Medical Group	International Medical Group	Travelex Insurance Services
Purchase
Underwriter	A Rated insurers including Allianz Australia, BCS, Arch Capital Group, Allianz Global Risks depending on your country of residence.	Sirius International - Rated A (excellent) by A.M. Best	Sirius International - Rated A (excellent) by A.M. Best	Old Republic Insurance Company, Greensburg, PA (A.M. Best Rating A+).
Available To	International citizens traveling outside home country	International citizens traveling outside home country	US citizens - traveling abroad	Residents of the US -- all ages
Medical Expenses	$50,000 to $5 million 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	$500,000 Max (Primary Provider)
Pre-existing Conditions	No Coverage	No Coverage	$15,000 Medical/$25,000 Evacuation coverage for sudden recurrence of a Pre-exisitng condition when outside US	Covered if plan is purchased within 21 days of initial trip deposit; 90 day look-back period
Emergency Evacuation	Up to $500,000 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 Max
Repatriation of Remains	Up to $12,000 depending on your country of residence	$25,000 when coordinated through IMG	$25,000 when coordinated through plan administrator	$5,000 Max
Emergency Reunion	Cover for a relative or friend to escort you home in the place of a doctor. Limits depend 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	Transportation provided for a person of your choice to visit you (if traveling alone and hospitalized for more than 7 consecutive days)
Accidental Death & Dismemberment	Up to $10,000 depending on your country of residence	$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 24-Hour AD&D & $50,000 Common Carrier AD&D
Flight Accident	N/A	$50,000 (included in Common Carrier)	$50,000 (included in Common Carrier)	Options: $250K / $500K / $1 Million
Trip Cancellation	Up to $10,000 depending on your country of residence	No Coverage	No Coverage	100% Trip Cost ($100,000 limit)
Trip Interruption	Up to $5000 depending on your country of residence	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% Trip Cost ($150,000 limit)
Trip Delay	No Coverage	No Coverage	No Coverage	$200 Max per day (after 5 hours) up to $1000
Sports & Hazardous Activities	Cover for wide range of Adventure Sports	Leisure Sports Rider avialable Extreme Sports Rider available	Leisure Sports Rider avialable Extreme Sports Rider available	Competitive and hazardous sports excluded
Lost Baggage	Up to $3000 depending on your country of residence	$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)	$2500 - $300 per article ( Primary Provider)
Baggage Delay	No Coverage	No Coverage	No Coverage	$200 per day after 24 hours -- $600 Max
Supplier Bankruptcy/Default	No Coverage	No Coverage	No Coverage	Trip Cost ($100,000 limit) 14 Day Wait, if purchased within 21 days of First Trip Payment
Labor Strike	No Coverage	No Coverage	No Coverage	Covered if no common carrier services for 48 hrs
Terrorism	Policy conditions depend on your country of residence	Included - up to $50,000	Terrorism rider available for 25% additional premium (medical coverage only)	Covered if trip scheduled to/from city within 30 days
Rental Car Insurance	No Coverage	No Coverage	No Coverage	$50,000 rental car damage protection included if your rental is arranged through your travel agent
Travel Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24 hour Toll Free Emergency Medical Assistance	24-hour worldwide assistance & concierge service
Special Features	* Buy, extend and claim online from anywhere in the world * Purchase whilst away from home * Free SMS security advice, travels journals and language guides	Home Country Coverage available for International Citizens visiting their home country (select Patriot Return Rider)	Instant on-line fullfillment	Coverage is primary. Children under 16 traveling with covered adult are covered free.
Length Of Coverage	3 days (ROW) to 12 months with unlimited extensions (excluding Canada at present)	10 days to 12 months	10 days to 12 months	Max trip length: 180 days
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