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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 the different plans available via the matrix below and use the links at the bottom to check prices.

	Featured Travel Insurance	International citizens	US citizens		Great for Kilimanjaro!
Plan Name	World Nomads	Patriot America	Patriot International	Travel Select	ihi Bupa International Travel Insurance
Company	World Nomads Travel Insurance	International Medical Group	International Medical Group	Travelex Insurance Services	International Health Insurance danmark a/s
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	Nationwide Mutual Insurance Company – AM Best Rating A+	International Health Insurance danmark a/s, a member of Bupa Group, rating Api
Available To	International citizens traveling outside home country	International citizens traveling outside home country	US citizens – traveling abroad	US Residents – Not available in Indiana, New Hampshire or Washington State	All Nationalities traveling abroad Specific Benefits
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	$50,000 per person – Primary Coverage	Unlimited – covered 100%
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	Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions	Excluded – However, a pre-existing conditions application is available to send in for underwriting review and possible approval.
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 per person	Unlimited – covered 100%
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	Included in Emergency Evacuation	Unlimited – covered 100%
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	If traveling alone and hospitalized 7 days or more. Provides transportation for friend or relative to be with you	Compassionate Emergency Visit covered 100%
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 per person – 24 hour coverage	None
Flight Accident	N/A	$50,000 (included in Common Carrier)	$50,000 (included in Common Carrier)	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 $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% of Trip Cost $0.00 trip cost (post departure) plans include Return Air Only coverage up to $1,000	No coverage
Trip Delay	No Coverage	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 Extreme Sports Rider available	Leisure Sports Rider avialable Extreme Sports Rider available	Upgrade available in optional Athlete Lifestyle Pak – as confirmed on your confirmation of coverage letter	Only exclusion is Motorsports. All other activities are covered
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)	$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 (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	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 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	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	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	up to 365 days
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