Travel Health Insurance Plans

Travel and Health Insurance Plans

Travel Medical Plans combine the benefits of travel insurance plans with additional health and medical coverage.  When you travel around the world, it is now more critical than ever to make sure you have the right international travel health insurance plan in place in case the unexpected happens. Here we provide a general overview of Travel Medical Plans as well as recommendations on the best plans for your trip.

What is Travel Medical Insurance?

When traveling outside of your home country, it’s vital to buy international travelers medical insurance to cover yourself against accidents or illness. Even if you have private medical insurance at home, the chances are this will not cover you when traveling abroad, or if it does cover you that coverage will be insufficient.

The Best Health Insurance Plans for Travelers Include:

• Freedom to seek treatment with a hospital or doctor of your choice
• Maximum Limits from $50,000 to $2,000,000
• 24/7 access to an emergency assistance medical hotline to speak with medical experts
• Deductible options from $0 to $2,500
• Renewable up to 24 months
• Travel delay and baggage delay benefits
• Universal Rx pharmacy discount savings
• Repatriation and emergency evacuation

Our Recommended Travel Medical Plans:

Our best overall all plan based on affordability, benefits, and service would be the Atlas Travel Medical Plan.

 

A great plan for US citizens traveling abroad is the Voyager Plan from GeoBlue, a partner of Blue Cross.

 

The Liaison Travel Medical Plan combines great benefits with service at an affordable price for any international traveler.

 

Or You Can Compare: Compare Travel Medical Insurance Plans

How Much Does Travel Medical Insurance Cost?

Travel Medical Insurance is surprisingly affordable. Plans are limited in the amount of time you are covered so the risks are less for the insurance company. As a result, the costs are less for the client. Further, as travel medical insurance does not include trip cancellation, the premiums are even lower. Costs are generally dependent on the length of the trip, the applicant’s age, the medical limits you desire, and the deductible you choose at the time of purchase. As you can see in the table below, prices can range dramatically starting as low as $0.80 per day to as much as $7.30 per day. Monthly rates are available as well.

Sample Travel Medical Insurance Costs for Atlas Travel Health Plan:

Rates below are your cost per day based on a $250 Deductible and effective April 2018. You can generate a quick quote to calculate your total trip cost. As an example, the cost for Atlas travel medical insurance for a 35-year-old traveling for 10 days outside of the USA would be as little as $9.10 to as high as $15.60 for the entire trip.

Atlas Premiums – Traveling Outside the United States (Cost per Day)

If the applicant is traveling outside the United States, use these rates. This includes U.S. citizens traveling overseas as well as persons traveling between countries, i.e., a citizen of India traveling to the United Kingdom.

Atlas Travel insurance : Quote or Apply

 

Plan Maximums →	$50K	$100K	$200K	$500K	$1M	$2M
Age ↓	Daily Rates
14(days)-29	0.77	1.02	1.19	1.28	1.30	1.33
30-39	0.91	1.24	1.39	1.47	1.53	1.56
40-49	1.53	1.86	2.06	2.15	2.19	2.24
50-59	2.63	2.98	3.24	3.36	3.42	3.49
60-64	3.25	3.55	3.89	4.08	4.12	4.20
65-69	3.85	4.67	5.14	5.45	5.50	5.60
70-79	5.65	6.86	N/A	N/A	N/A	N/A
80+*	10.11	N/A	N/A	N/A	N/A	N/A

Atlas Premiums – Traveling in the United States (Cost per Day)

If the applicant is traveling to, temporarily residing in, or visiting the United States, please use these rates.

Atlas Travel insurance : Quote or Apply

 

Plan Maximums →	$50K	$100K	$200K	$500K	$1M	$2M
Age ↓	Daily Rates
14(days)-29	1.32	1.68	1.90	2.39	2.60	2.65
30-39	1.79	2.48	2.95	3.15	3.32	3.39
40-49	2.65	3.32	3.81	4.50	4.92	5.02
50-59	3.95	4.98	6.29	7.11	7.47	7.61
60-64	4.61	6.04	8.20	8.91	9.33	9.51
65-69	5.22	6.68	9.15	9.91	10.37	10.57
70-79	7.52	9.62	N/A	N/A	N/A	N/A
80+*	11.97	N/A	N/A	N/A	N/A	N/A

Quote or Apply

*$10,000 Maximum Limit for age 80 and over. 

For travelers over the age of 65, visit Senior Travel Medical Insurance Plans with plans and pricing designed for your specific situation.

How Does International Travel Medical Insurance Compare to Trip Insurance?

Looking at the many different travels, trip, and medical insurance policies that are available can be confusing. Different providers offer numerous levels of cover, and so travel insurance with one provider could be completely different from another. The general rule of thumb is that trip insurance provides a short-term solution that will cover such things as trip cancellation, trip protection, and a limited amount of emergency medical coverage. These plans are usually available for a period of between 1 and 62 days.

Travel medical insurance is a more comprehensive policy that gives increased medical coverage over and above what a regular trip or travel insurance policy would, and this type of coverage is usually available for a period of between 5 days and one year.

If you are considering longer term coverage or more comprehensive medical benefits, read: Expatriate Insurance or Travel Insurance: What is the Difference? or Overseas Health Insurance Advice.

Do I Need to Buy Travel Medical Insurance?

Travel medical insurance is a short-term solution for travelers who are traveling outside of their home country for anywhere between 5 days and one year. It is essential coverage for travelers who are away from home, whether for business or pleasure purposes. Even if you have health insurance at home the chances are this will not cover you when traveling outside of your home country, or if it does, the level of coverage will be very minimal.

Our plans can be very beneficial to a broad range of individuals including international vacationers, recently arrived immigrants, relatives visiting from overseas, and foreign au pairs and nannies, among others. Plans are available to all nationalities traveling abroad!

Different Levels of Insurance for Travelers

At InternationalInsurance.com we can provide you with a range of travel medical insurance plans from some of the leading insurance providers. Among our most popular plans are the Patriot Plans, and with three different plans to choose from these suit a variety of travelers.

Atlas Travel Insurance is a very comprehensive policy that includes hospitalization and doctor coverage as well as such things as lost luggage, and you can tailor this policy with optional extra riders to include insurance for extreme sports. With Patriot Platinum Travel Insurance, you have the same options for extra riders and coverage, though this plan, for the discerning traveler, provides world-class coverage and access to the best service and assistance whenever traveling outside your home country.

Review or  List of the Best Travel Insurance Companies

Single Trip or Annual (Multi-Trip) Plans

Travel medical insurance is available as a single trip plan that covers one specific trip for a specified number of days. You can also purchase a multi-trip annual policy that covers you for all travel outside your home country over the course of a year, up to a maximum number of days per each trip. This can be a more cost-effective way of buying travel health insurance if you are a frequent traveler.

Buy one of our Recommended Travel Medical Plans:

Atlas Travel Insurance:  Learn More  |  Free Quote / Apply (Best for All Nationalities Traveling Abroad)

 

Blue Cross Travel Insurance:  Learn More  |  Free Quote / Apply (Best for US Citizens Abroad)

 

A message from the Center for Disease Control: Severe illness or injury abroad may result in a financial burden on you and your family. Although planning for every possible contingency is impossible, travelers can reduce the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: trip insurance, travel health insurance, and medical evacuation insurance. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to individuals with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations.

Written by Joe Cronin. Joe Cronin is an expert in the areas of global health and international insurance, with specific expertise in advising individuals and groups on international health insurance plans. Follow Joe @Joe_Cronin_Jr