Travel Medical Insurance, Emergency Evacuation, and Repatriation Plans for Remote Year Participants Recommended by International Citizens Insurance
The question we hear most often is, “Do I need to buy travel insurance?” The short answer is yes. Most likely, your home country’s health insurance plan will not cover you abroad. The best travel insurance plans, like the ones below, will offer an international network of doctors, emergency assistance services, and translators to help you during a crisis.
Advantages of Buying Through Us?
When Remote Year started, the leadership team contacted us to research various plans that would provide quality service and coverage to their participants. We came up with the list below after talking to the Remote Year team to understand the typical needs of Remote Year participants. In addition to offering a wide range of quality plans, we work closely with the participants to help apply and manage their coverage during the RY experience. If you need help finding the best coverage options, contact our agents, who can help you quickly.
Comprehensive Travel Insurance
A comprehensive travel insurance plan for US citizens abroad includes cover for trip cancellation and a Cancel for Any Reason (CFAR) option.
Safe Travels Voyager
- Valid for U.S. citizens/residents traveling within the U.S. and/or internationally
- Comprehensive coverage for trip cancellation, trip interruption, emergency medical and post-departure travel coverage
- Cancel for Any Reason (CFAR) available
Recommended Travel Medical Insurance Plan
A great option for all international travelers providing travel medical cover while you are overseas.
Atlas Travel Insurance
- Emergency medical, evacuation, repatriation benefits
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance
Other Options – How to Choose a Plan
For Remote Year travelers, follow these three steps to understand the features and benefits of a specific plan, get you a quote, and allow you to purchase the plan in one short sitting. If you find you are having difficulty choosing a plan or want to consult with an agent, please feel free to request a quote and we’ll get back to you ASAP.
- Review and compare the recommended travel insurance providers and policies below.
- Choose a policy that suits your needs and offers adequate coverage.
- Generate a quote or purchase by clicking the “Get Quote” link at the bottom of the page.
Plan Features & Benefits
- Illness and Emergency Medical
- Emergency Medical Evacuation
- COVID-19 Coverage
- Repatriation/Return of Mortal Remains
- Emergency Reunion
- Political Evacuation
- Acute Onset of Pre-Existing Conditions
- Coinsurance
- Medical Deductible (per certificate period)
- Home Country Coverage
- Loss of Baggage / Personal Items
- Accidental Death (AD&D)
- Trip Cancellation
- Trip Interruption
- Coverage for Sports
- Personal Liability
- Money-Back Guarantee
- Emergency Assistance
- Administrator
- Underwriter
- A.M. Best Rating
- Coverage Area
- Eligibility
- Length of Trip
- Cost (estimate)4
Patriot Travel Medical
- Maximums of $1,000,000 up to $8,000,000
- Up to the maximum limit
- Included with Patriot America Plans (for travel to the US)
- Up to the maximum limit
- $100,000 maximum limit
- $100,000 maximum limit
- Under 70 years of age, with varying limits by age up to $1,000,000.
- 100% Outside of the U.S.
- $0 to $25,000
- Up to 2 weeks
- $50 per item, $500 maximum limit.
- $50,000 principal sum benefit
- None
- $10,000 maximum limit
- Recreational sports (Adventure Sports rider available)
- None
- Yes (prior to effective date)
- 24/7 Global Assistance
- International Medical Group
- Sirius Specialty Insurance Corp.
- A
- Worldwide
- All nationalities traveling abroad1
- Up to 365 days (renewable)
- $528.00 / Yr or $44.00 / Mo
Atlas Travel Medical
- Maximums of $10,000 up to $2,000,000
- Up to $1,000,000 lifetime maximum
- Included coverage for eligible medical expenses up to the medical maximum
- Overall maximum limit (no deductible or coinsurance)
- Up to $100,000. Subject to 15 days maximum
- Up to $10,000 lifetime maximum
- Sudden and unexpected recurrence of a pre-existing condition (only available to those younger than 70)
- 100% of eligible expenses after the deductible, up to the overall maximum limit
- You choose $0, $100, $250, $500, $1,000, $2,500 or $5,000 per certificate period
- Up to 15 days
- Up to $1,000
- Up to $25,000
- None
- Up to $10,000
- Recreational sports and activities
- $25,000 included; Optional rider of $75,000 lifetime maximum
- Yes (prior to effective date)
- 24/7 Global Assistance
- Tokio Marine HCC
- Lloyds of London
- A+
- Worldwide
- All nationalities traveling abroad2
- U.S. Citizens: up to 364 days; Non-U.S. citizens up to 365 days
- $675.25 / Yr or $49.29 / Mo
World Nomads Explorer
- $100,000
- $500,000
- Covered under World Nomad’s Trip Protection Benefit (U.S. residents only)
- included in emergency medical evacuation benefit
- included in emergency medical evacuation benefit
- Up to $25,000
- Not covered
- None
- None
- None
- Yes, max of $3,000 per article limit $1,500
- $10,000
- Up to trip cost ($10,000 maximum)
- Up to trip cost ($10,000 maximum)
- 100 adventure sports and activities included
- None
- Yes (prior to effective date)
- 24/7 Global Assistance
- TripMate
- Nationwide
- A+
- Worldwide
- All nationalities under age 70 traveling abroad3
- Up to 365 days
- $1,408.41 / Yr or $190.41 / Mo
2. The Atlas plan is not available to residents in the states of Florida, Maryland, New York, Utah, or Washington; or in the countries of Canada or Australia.
3. Coverage may not be available for residents of all countries, states or provinces. Please carefully read the policy wording for a full description of coverage.
4. Assumes $100,000 in coverage for a 30 year old U.S. citizen with a $0 deductible.
Options for More Comprehensive Coverage
Cigna Global offers a comprehensive annually renewable international medical plan. The plan offers a full suite of benefits including inpatient, outpatient, wellness, evacuation/repatriation, vision, and dental. The modular plan design allows you to pick and choose which benefits to include or exclude.
Cigna Global Insurance Plan
- The flexibility to tailor a plan to suit your individual needs
- Access to Cigna Global’s trusted network of hospitals and doctors
- The convenience and confidence of 24/7/365 customer service
Let us know if you need assistance in comparing and reviewing Travel Medical Plans. If you want more comprehensive medical insurance, review our choosing International Health Insurance plans page. If you are interested in Trip Cancellation, compare trip insurance plans at your convenience. Also read this page on insurance plans for nomads.
This page 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.