International Travel 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.
What Does Travel Health Insurance Cover?
- 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
- New - Consider a plan with coverage for Covid-19 (or Coronavirus)
What Are the Best Travel Medical Plans
The Liaison Plus Travel Medical Plan includes coverage for Covid-19 (Novel Coronavirus). The plan is a little more expensive but is worth considering if you would like this level of cover.
Travel Medical Plans with Coverage for Covid-19 (Coronavirus)

Atlas Travel Insurance
- COVID-19 coverage outside your home country
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance

Liaison Travel Insurance
- COVID-19 coverage outside your home country
- Comprehensive medical coverage from 5 days to 1 year
- Your choice of medical maximum and deductible options
- An extensive worldwide network of providers
Countries Requiring Travel Medical Insurance with Covid-19 Coverage
Aruba | Bahamas | Brazil | Costa Rica | Cambodia |
---|---|---|---|---|
Cuba | Dubai | Ecuador | Europe (Schengen) | French Polynesia |
Iran | Lebanon | Oman | Pakistan | Qatar |
Russia | Rwanda | Seychelles | St. Maarten | Thailand |
Turks and Caicos | Turkey | UAE | Ukraine | United Kingdom |
United States |
Affordable Plans with Great Coverage and Benefits
Our best overall all plan based on affordability, benefits, and service would be the Atlas Travel Insurance Plan.

Atlas Travel Insurance
- COVID-19 coverage outside your home country
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance
Best Travel Health Insurance for US Citizens Traveling Abroad
A great plan for US citizens traveling abroad is the Voyager Plan from GeoBlue, a partner of Blue Cross.

Geoblue Voyager Plan
- COVID-19 coverage outside your home country
- Great option for US citizens traveling abroad
- For trips up to 6 months for ages up to 84
- May cover pre-existing conditions for medical services
The Liaison Travel Insurance Plan combines great benefits with service at an affordable price for any international traveler.

Liaison Travel Insurance
- Worldwide medical coverage from 5 days to 3 years
- Your choice of medical maximum and deductible options
- Includes cover for Covid-19 (Coronavirus)
Or You Can Compare: Compare Travel Medical Insurance Plans
Frequently Asked Questions
We have listed a variety of plan options. With each, there are links to learn more about the plans and to apply online.
It's easy to apply. Simply answer a few questions about yourself and your trip to generate an initial quote. You can then refine your plan and cost by selecting from different maximum benefit amounts, deductibles, and optional add-on features, if available.
When you're ready, you can click to apply online, and make your payment using a credit card. You will be mailed a confirmation immediately via email along with your insurance documentation and relevant contact details should you need medical assistance on your trip.
Yes. Travel medical insurance plans are designed to cover emergency medical expenses should you get sick or injured while traveling abroad. If you have an accident or need medical care, these plans are designed to provide you with assistance in finding a doctor, getting treated, and will cover medically necessary prescriptions and continuing care. These plans typically will not cover pre-existing conditions so check your policy if you have specific concerns or questions. Medical treatment for accidents or illnesses that occur while you are participating in certain activities may be excluded. Some plans offer adventure sports cover with their basic plan or as add-on optional coverage if you will be hang gliding or other dangerous activities.
At International Citizens Insurance 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 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 a list of Best Travel Insurance Companies.
Looking at the many different travel, 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.
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?
Overseas Health Insurance Cover
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!
In most cases, they do. The plans listed on our site are all designed to meet or exceed the visa requirements for most countries, including Schengen Visa Insurance requirements. You should check the visa requirements for the countries you will be visiting prior to applying to make sure you purchase the maximum benefit and deductible amounts required by that country. Most countries require at least $50,000 in medical benefits and a specific deductible amount.
Read More: Insurance for Your Travel Visa
We offer a variety of travel medical insurance plans. They come in a range of prices as described above. An affordable travel insurance plan is one that covers the specific benefits you need at a reasonable price. Some inexpensive plans do not cover the things that are most important to you or cover them with limited benefits. Other plans offer low-cost travel medical coverage but the service is terrible and you probably won't be able to use it when you need it.
We recommend several plans that are affordable and provide good coverage at a reasonable price. Specifically, for affordable plans, we recommend the following options.
Travel Medical Insurance is surprisingly affordable. 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. 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 insurance, 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.
Example Costs for Travel Health Insurance Plans
Different Levels of Health Insurance for Travelers
At International Citizens Insurance 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 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
Annual (Multi-Trip) Plans for Frequent Travelers
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 an annual travel insurance plan 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. The Wander Frequent Traveler annual travel insurance plan is an excellent option. Follow the link below to learn more, generate a quote and purchase online.
Wander Frequent Traveler
- Coverage for Multiple Trips Each Year
- Trip can be a Max of 30 or 45 days each
- Annual Policy Term, Includes Cover for Covid
Buy One of Our Recommended Travel Medical Plans
Atlas Travel Insurance: Learn More | Free Quote / Apply (Best for All Nationalities Traveling Abroad)

Atlas Travel Insurance
- COVID-19 coverage outside your home country
- Choose between the basic and more extensive coverage
- Meets Schengen visa insurance requirements
- 24/7 worldwide travel and emergency medical assistance
Blue Cross Travel Insurance: Learn More | Free Quote / Apply (Best for US Citizens Abroad)

Geoblue Voyager Plan
- COVID-19 coverage outside your home country
- Great option for US citizens traveling abroad
- For trips up to 6 months for ages up to 84
- May cover pre-existing conditions for medical services
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