Travel Medical Insurance and a Trip Cancellation Plan Cover You for Nearly Every Issue
Below is a comparison of travel insurance plans available to all nationalities. We offer side-by-side analysis so you can compare travel medical insurance plans. We also provide the criteria you can use to assess trip cancellation plans.
Travel medical plans cover emergency medical care should you get sick or injured. They also offer additional benefits listed below. However, they do not cover the cost of your trip. Travel medical plans are typically less expensive because they do not offer trip cancellation benefits.
Trip cancellation plans, also known as "trip can" plans, cover the cost of your trip should you have to cancel for covered reasons. They also offer some additional benefits such as trip interruption coverage and emergency medical benefits – although the medical benefits are not as robust as travel medical plans.
Travel insurance can be confusing. The trip cancellation insurance overview and travel medical insurance comparison below will help you analyze the differences in coverage between plans. Then you can find the coverage that fits your needs and your budget.
Below is a comparison of travel insurance plans available to all nationalities. We offer side-by-side analysis so you can compare travel medical insurance plans. We also provide the criteria you can use to assess trip cancellation plans.
Travel medical plans cover emergency medical care should you get sick or injured. They also offer additional benefits listed below. However, they do not cover the cost of your trip. Travel medical plans are typically less expensive because they do not offer trip cancellation benefits.
Trip cancellation plans, also known as "trip can" plans, cover the cost of your trip should you have to cancel for covered reasons. They also offer some additional benefits such as trip interruption coverage and emergency medical benefits – although the medical benefits are not as robust as travel medical plans.
Travel insurance can be confusing. The trip cancellation insurance overview and travel medical insurance comparison below will help you analyze the differences in coverage between plans. Then you can find the coverage that fits your needs and your budget.
Comparing Travel Medical Insurance Plans
Below is a comparison of the best travel medical insurance plans available to all nationalities - from any country traveling to any other country.
Review and compare travel medical insurance plans using the table below. Click on the links at the bottom of each product for more details, or click to get a free quote, then apply. All companies listed below are high quality and have an A+, A, or A- rating by A.M. Best.
Travel medical plans typically offer a more comprehensive array of medical benefits than trip insurance (or trip cancellation) plans but exclude coverage for trip cancellation. These plans are suited to the traveler who is going abroad from one week to one year and is concerned with the risks of getting sick or injured while in a foreign country.
The primary benefit of travel medical insurance is emergency medical insurance. This provides coverage if you are ill or injured and need to see a doctor or go to a hospital. Standard with all these plans is a 24-hour emergency assistance hotline. You can call anytime, day or night, for assistance in finding a doctor, choosing a hospital, or even replacing a lost visa. Other benefits include repatriation, which will get you back to your home country quickly, and emergency evacuation.
Travel Health Insurance Plan Comparisons
Eligible expenses are subject to deductible, coinsurance, the overall maximum limit, and are per certificate period unless specifically indicated otherwise. For further explanation of what these terms mean, please see our page Deductibles, Co-Pay and Out-of-Pocket Maximums.
Price
$$
$$$
$$
Best Known For
The best plan for short-term leisure,
student, business, or missionary travel abroad.
The plan with the most comprehensive benefits and best for extended trips abroad.
The best plan for U.S. citizens traveling abroad wanting coverage for pre-existing conditions.
COVID-19 Coverage
✔
✔
✔
Who is eligible?
All nationalities, excluding Australia and Canada
All nationalities
Home country must be the U.S.
Area of Coverage
Worldwide
Worldwide
Worldwide, excluding the U.S.
Length of Coverage
5 days to 364 days
(not renewable)
5 days to 364 days
7 days to 180 days
(not renewable)
Medical Maximums
Up to $2,000,000
Up to $5,000,000
Up to $1,000,000
Deductible Options
Range: $0-$5,000
Range: $0-$5,000
Range: $0-$500
Coinsurance
Outside the U.S.:
The plan pays 100%
Inside the U.S.:
The plan pays 100% after the deductible is met
Outside the U.S.:
The plan pays 100%
Inside the U.S.:
The plan pays 90% of the first $5,000, then 100% to the medical maximum
The plan pays 100%
Emergency Dental
$250 maximum
Injury: $500 maximum
Unexpected pain: $200 maximum
Injury: $300 maximum
Unexpected pain: $250 maximum
Refund/Cancellation
✔
(Exclusions apply)
✔
(Exclusions apply)
✔
(Exclusions apply)
24/7 Emergency Assistance
✔
✔
✔
Ambulance Benefit
Up to medical maximum
Up to medical maximum
Up to $1,000
Emergency Medical Evacuation & Repatriation
Up to $1,000,000
Up to $500,000
Up to $500,000
Emergency Reunion
$100,000,
up to 15 days
$200 per day, 10-day limit
$50,000 maximum
Up to $1,500 per trip
Return of Mortal Remains
Up to medical maximum
Up to $50,000
Up to $25,000
Coverage for Pre-Existing Conditions
Not available
Yes, through the acute onset of pre-existing conditions benefit.
Yes, if concurrently covered by a primary health plan.
Plan Name
Atlas Travel Medical
Liaison Travel Plus
Voyager Choice
Loss of Baggage / Personal Items
Up to $500 per period
Up to $500 per occurrence
($50 per article max)
Up to $500 per period ($100 per article max)
Trip Cancellation
Not available
Not available
Not available
Trip Interruption
Up to $10,000 per period
$5,000
Up to $500 per period
Plan Name
Atlas Travel Medical
Liaison Travel Plus
Voyager Choice
Recreational sports and activities
Up to medical maximum
Up to medical maximum
Up to medical maximum
Adventure Sports
Not available
Available at additional
cost
Not available
Personal Liability
Up to $10,000;
$100,000 available at additional cost
$50,000
Not available
Accidental Death and Dismemberment (AD&D)
$50,000 per person;
$100,000 available at additional cost
$25,000 insured and
travel companion;
$5,000 per child;
Aggregate limit: $250,000
$50,000 per person
Administrator
HCC Medical Insurance Services
Seven Corners
GeoBlue/Blue Cross and Blue Shield
Underwriter
Lloyds of London
Certain Underwriters at
Lloyds of London
4 Ever Life International
A.M. Best Credit Rating
A+
A
A-
Plan Name
Learn More
Price
$
$$
$$$
Best Known For
The best plan for short-term leisure, student,
business, or missionary travel abroad.The plan with the most comprehensive
benefits and best for extended trips abroad.The best plan for U.S. citizens traveling abroad
wanting coverage for pre-existing conditions.
COVID-19 Coverage
✔
✔
✔
Who is eligible?
All nationalities, excluding
Australia and CanadaAll nationalities
Home country must be the U.S.
Area of Coverage
Worldwide
Worldwide
Worldwide, excluding the U.S.
Length of Coverage
5 days to 364 days
(not renewable)5 days to 364 days
7 days to 180 days
(not renewable)
Medical Maximums
Up to $2,000,000
Up to $5,000,000
Up to $1,000,000
Deductible Options
Range: $0-$5,000
Range: $0-$5,000
Range: $0-$500
Coinsurance
The plan pays 100% (Outside U.S.)
The plan pays 100% (Outside U.S.)
The plan pays 100%
Emergency Dental
$250 maximum
Injury: $500 maximum
Unexpected pain: $200 maximumInjury: $300 maximum
Unexpected pain: $250 maximum
Refund/Cancellation
✔ (Exclusions apply)
✔ (Exclusions apply)
✔ (Exclusions apply)
24/7 Emergency Assistance
✔
✔
✔
Learn More
Compare Costs for the Best Travel Medical Insurance Plans
When you are comparing the cost of travel medical insurance plans you should take several things into consideration. The Liaison plan is more expensive than the Atlas plan or the Voyager plan, but that is largely because it includes coverage for coronavirus.
We recommend you review and compare the various benefits, options, and restrictions in addition to the cost. Make sure you are eligible and the plans cover what is most important to you. When you request a quote for the various plans, you can adjust your deductible and coverage amounts to get the best cover for your specific needs.
*Costs are estimates based on a $100,0000 medical maximum and a $250 deductible.
Atlas Costs
- Affordable option. Good overall benefits and service.
Liaison Costs
- Similar to Atlas Plan but with a few enhanced benefits.
Voyager Plan Costs
- Best for US Travelers. Premium upgrades available.
Restrictions and Limitations
- The Atlas plan is not available to individuals who are physically located in the states of New York, Maryland, or Washington as well as in the countries Canada and Australia at the time of purchase.
- The Liaison Travel Plus plan cannot accept an address in Maryland, Washington, New York, South Dakota, or Colorado; or in the countries of Cuba, the Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, Sierra Leone, and Democratic People’s Republic of Korea (North Korea).
- The Voyager plan cannot accept an address in Maryland or New York. You must make your initial purchase in the U.S. before departing on the trip.
- Primary Plan is a Group health benefit plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims for an Insured Person. If Medicare is the Primary Plan, see the Certificate of Coverage to determine how this Plan will pay benefits. NOTE: Medicaid and VA benefits are not deemed a primary health plan.
If you need more comprehensive coverage for a year or longer, consider an international medical plan. If you travel abroad multiple times each year, consider an annual travel insurance plan. If you would like to insure the cost of your trip, consider a trip cancellation insurance policy.
This comparison of the best travel medical insurance plans contains a summary description of plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in the fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the "look back" period if the policy does not meet your needs. Contact us for help, guidance, and to apply. Let us know if you need assistance in comparing travel medical plans. If you are traveling for a longer period and/or want more comprehensive medical insurance, review our annual global health insurance plans.
If you are simply interested in trip cancellation insurance, continue reading for more information.
Trip Cancellation Insurance: What It Is, Why You Need It, and How to Compare Travel Cancellation Plans
As previously noted, travel insurance covers you only while you are on your trip. If you want protection in case your trip is canceled, you will need trip cancellation insurance, also known as travel cancellation insurance.
International Citizens Insurance partners with Visitors Coverage for trip cancellation insurance. They offer a wide selection of plans for American travelers as well as select plans for travelers from other countries.
Travel cancellation plans typically cover some or all of your expenses if you’re unable to go on your trip, depending on the option you select. These plans also offer additional benefits to travelers, including emergency medical coverage and coverage for lost luggage. Generally, the more you have spent on your trip, the more likely it is that you are a good candidate for cancelation insurance.
In order to compare trip cancellation plans and find the one that’s right for you, first make a list of your budget and what is most important to you. While “cancel for any reason” insurance is easiest, it is generally also the most expensive. A lower-priced policy may cover only specific circumstances, so you will need to review carefully. If you want your rental car, sports equipment, or other items covered, you will want to check for things such as:
- COVID-19 Benefits
- Missed Connection Coverage
- Rental Car Damage
- Event Ticket Registration Fees
- Sport and Golf Equipment Rental
- Electronic Equipment Coverage
- Travel Inconvenience Coverage
- Flight Accident Coverage
After you have your list, generate a quote with our partner Visitors Coverage, who will provide you with several options. Once you have a quote, you can compare benefits, costs, coverage, and exclusions based on your specific details. Remember, you are not covered until you generate a quote and buy a policy.
If you have more questions, you can learn more about options including trip cancellation at our detailed Trip Cancellation Insurance page.
Let us know if you have any specific questions about Trip Cancellation Insurance. If you are traveling for a longer period and/or want more comprehensive insurance, review our Travel Medical Plans and Global Medical Insurance plans.
Considerations When You Compare Travel Insurance Plans
Review and Compare the Benefits and Exclusions
The most important factors are the benefits (what is covered) and exclusions (what is not covered). The benefits and exclusions should be laid out in detail for you to review. Although two companies may offer a similar benefit amount, if you review exclusions, one provider might exclude coverage for certain benefits that are not excluded by the other. Therefore, you should review both the benefit and exclusions in the plan details. Ask us for a copy of the "policy certificate" and "plan rules" which will provide a comprehensive list of all benefits and exclusions.
Travel Insurance Reviews
Who is the company behind the plan? In most cases, you will be interacting with the plan administrator should you need to file a claim or receive assistance while abroad. Try calling the plan administrator's customer service or claims phone number and see what kind of response time you get from their call center. We have screened all of the plan administrators listed on this site to ensure quality customer service.
Related: Best Travel Insurance Companies
Travel Insurance Insurance Company / Plan Administrator
We are often asked about online reviews of travel insurance companies. Clients are often confused as the majority of reviews are negative and filed by upset consumers. The thousands of customers with positive experiences are not as motivated to file positive reviews. As a result, there are more negative reviews than positive - which is not an accurate reflection of the insurer. Be assured that most insurance companies, and all of the ones we recommend, are willing to pay legitimate claims.
All of the travel insurance companies listed on our website have been reviewed by our team. We have personally visited their offices and met with the management teams. Therefore, we are confident in recommending them to our clients. If you are not satisfied, we will support you in your effort to get your issue resolved with the insurer and quickly as possible.