• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

International Citizens Insurance

Medical and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance Plans
      • Best International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Insurance for Canadian Expats
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      • Travel Medical Insurance Plans
      • Visitors Coverage
      • Best Travel Insurance Companies
      • Trip Cancellation Insurance
      • Evacuation Insurance Plans
      • Student Insurance
    • International Life Insurance
  • Group Plans
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
  • Insurance Companies
    • Aetna International
    • Cigna Global Insurance Company
    • GeoBlue
    • International Medical Group
    • Now Health
    • Seven Corners
    • Tokio Marine HCC
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Senior Travel Insurance
Home > Choosing a Travel Medical Plan

Choosing a Travel Medical Plan

How to Choose Travel Medical Insurance Plans

Choosing the Best Travel Medical Insurance for International EmergenciesAre you a world traveler? Do you need insurance coverage internationally? Does your career require extensive travel? You are not alone; in fact, many professionals, retirees, and globe trotters spend time all over the world and need global travel health insurance that can keep up with them. Whether you are choosing travel health insurance, global medical plan, or standalone emergency medical evacuation and repatriation policy, International Travel Insurance Group works with you to find the most suitable option to best fit your needs. Because everyone is different, here are a few of the many plans that are popular among our international travelers:

What Is an International Travel Medical Plan

If you plan to travel temporarily outside your home country, you may find a Travel Medical Insurance plan to be well suited to your needs. This is not only an emergency medical plan, but the coverage also includes travel benefits such as lost checked luggage, terrorism, natural disaster, trip interruption. Unlike other plans that may just be emergency-only coverage, this plan covers accidents and illnesses – regardless of whether it is an emergency. We know that even the smallest cold can put a damper on your travels – which is why this policy is considered to be an important global health insurance policy.

What to Consider in an International Travel Health Insurance Plan

First, we suggest you review and compare travel medical plans. This will help you get an idea of what some companies offer and what other companies don’t. You will also get an idea of pricing, which can vary widely depending on many factors. Our agents are happy to help with this process. To start, you probably want at least the following benefits:

  • Freedom to seek treatment with a hospital or doctor of your choice
  • Medical Limits from $50,000 up to $2,000,000 – The longer the trip, the higher the benefit should be
  • 24/7 access to an emergency assistance medical hotline to speak with medical experts
  • Deductible options from $0 to $2,500 – Higher deductibles will lower your premiums (and vice versa)
  • Renewable up to 24 months (Some are renewable for up to 3 years)
  • Travel delay and baggage delay benefits
  • Coverage for emergency dental care
  • Repatriation and emergency evacuation

Now that you have a better idea of what kind of coverage you want and how much it should cost, you can discuss with a broker which coverage and/or company might be better for your particular situation.

You can then apply – the process is relatively quick and easy. The process should take 10-15 minutes and you will get a confirmation immediately after submitting payment.

Best Travel Medical Insurance Plans:

Tokio Marine HCC

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
Plan Details | View Brochure | Apply Online
Plan Details
Get a Quote

 

Seven Corners Insurance

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
Plan Details | Apply Online | View Brochure
Plan Details
Get a Quote

 

How Much Does a Travel Medical Insurance Plan Cost?

Costs can range from as little as $1 – $2 to as high as $8 – $10 per day for older clients. These plans are very affordable for a few different reasons. They are short term plans so the insurance companies’ risk is limited by the limited period of your travel. The plans are also capped by a medical maximum limit that you select – so there is a maximum amount of risk associated with each policy.  Younger clients or those choosing higher deductibles will see lower costs still.

How to Choose an International Travel Medical Plan

Choosing an international insurance planYour grand adventure to Australia ends with a twisted ankle in the outback; You hike all the way to the top of the Rocky Mountains, only to trip and cut yourself on your broken camera; Perhaps that cute animal you get too close to for a photo decides to attack. Sometimes accidents happen, even on the most well-planned excursion.

But these minor (or more serious) health concerns do not have to put your life abroad on hold if you’ve thought ahead with travel health insurance. A quick Google search shows there are hundreds of plans to choose from- something that can quickly become overwhelming. With all these options, how do you choose the right international travel medical insurance for you?

First, make sure you don’t panic! Every problem has a solution and it’s best when taken in steps. Follow these steps and be on your way to finding a plan.

Step 1 – Examine your current health care plan

If you have private health insurance in your home country, research whether it covers you internationally. Although very few plans do cover you for everything you need when you travel abroad, you may be one of the lucky ones. Make sure you know exactly what is covered while you are overseas, how much coverage you have for those benefits, and how long it will cover you outside your home country.

Step 2 – Assess Your Needs

Consider what you will be doing during your time abroad. If you intend to ski, scuba dive and bungee jump across America, then you should certainly purchase a travel health insurance plan that will cover those sorts of activities. However, if you plan on having a more sedate experience, or if your time abroad will mainly consist of work, then you may need only a modest plan.

If you are married or have children, keep the needs of your family in mind as well. If they need preventive medical services or coverage for a pre-existing condition find a plan that has these items included.

Another item to consider when choosing travel medical insurance and visa requirements; Many work or travel visas require you to maintain global health insurance while abroad. Please check the specific requirements of your destination country based upon your situation. Also, see student insurance and insurance for J-1 Visa.

As you assess your health needs, pay close attention to your financial needs as well. You should determine a realistic budget when it comes to how much you can spend on global health insurance.

Step 3 – Research Your Destination’s Health Care System

How do individuals in your destination country access health care and what sort of medical technology is commonly available? Also, never assume that you can access the country’s health care system, even if it has socialized medicine. Do your research– look at what information is provided by the destination country’s government about foreigners accessing health care. If socialized healthcare is available, they’re more than likely will be a waiting period before you can access it. Know what that waiting period is so you can have private health insurance in the meantime.

Step 4 – Ask your friends

Since you are not the first individual to travel or relocate abroad you may know someone who can share their own research with you. Be advised: as with everything else in our modern world, technology has changed travel health insurance too. Make sure you ask individuals who have recently traveled so you can have the most current and accurate advice.

Step 5 – Research the Plans

Now that you have some idea about what you need, and some suggestions from your friends, it’s time to start the research. Some items to consider as you decide which travel health insurance plan is best for you:

  • Company Reputation – as with any major purchase, especially with any repeated monthly purchase, you want to work with a company with a reputation for excellent customer service.
  • Customer Support – find a company with a 24-hour customer call center in your native language. The time to practice and improve a second language skill is NOT when you are ill or injured.
  • The number of medical providers – does the company have a wide range of in-network medical care providers so that you may have some choice of doctors? If not, find out if you are able to visit a doctor that is not in-network and what that will mean for your coverage.

Step 6 – Consider Your Budget

As with any health insurance, global health insurance is complicated. Now that you have narrowed down your options to a few possible travel medical insurance plans, it’s time to closely examine the fine print:

  • What is the out of pocket expense on the plan? This will be in the form of a co-pay, deductible, or co-insurance.
  • Will your insurance company be billed directly or will you be responsible for filing a claim for a refund? Make sure you know this ahead of time so you will know what to expect. Often, it may depend on the provider you visit and how they choose to bill.
  • Do you need to pre-certify? Many plans require that certain instances are pre-certified like surgeries, CAT Scans, or pregnancies. Know what items need to be pre-certified and make sure you do so for those items. If not, the insurance company will often reduce the amount of coverage you receive.

Choosing a travel medical plan is much like any important purchase – you need to honestly assess your needs and your budget and then research the best option for you. With a bit of diligence, you can find the right global health plan for you.

Two Best Travel Medical Insurance Plans to Choose

Tokio Marine HCC

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
Plan Details | View Brochure | Apply Online
Plan Details
Get a Quote

 

Seven Corners Insurance

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
Plan Details | Apply Online | View Brochure
Plan Details
Get a Quote

 

Adventure Travel and Travel Medical Insurance Options

If your trip includes adventurous activities or hazardous sports, you want to take some extra time to ensure your travel medical insurance plan covers those activities. Some resources:

  • Does Travel Insurance Cover my Adventure Sports Activities
  • Travel Insurance for Extreme Sporting Activities
  • Understanding Scuba Diving Insurance
  • Winter Adventure Insurance Coverage: Skiers and Snowboarders
  • Ziplining Tips and Advice

Also Read: Travel Safety Tips

Standalone Medical Evacuation and Repatriation

Do you already have a plan in place that will cover you overseas but does not include emergency medical evacuation and repatriation? If this is the case, then there is no point in purchasing a plan with duplicate coverage! Instead, we have a standalone medical evacuation and repatriation plan so that you just purchase the coverage that you need!

Global Health Insurance

Our Global Medical Plan is a comprehensive health insurance policy that provides worldwide coverage with the option to include or exclude coverage in the United States and Canada. The plan is available in four different levels to choose the coverage best suited for you. All plans cover doctor visits, hospitalization, prescription medication, emergency medical evacuation, repatriation, etc. Plan options also include coverage for vision and dental, maternity, pre-existing conditions, and wellness care. This international health insurance option provides individuals with a 24-hour travel and medical assistance phone number that you will have available should you need assistance.

Read: Choosing the Best Expatriate Health Plan with information on comparing local plans to expat plans and what the differences are.

Best Travel Medical Insurance Plans:
Atlas Travel Insurance:  Learn More  |  Free Quote / Apply (Best for All Nationalities Traveling Abroad)
Patriot Travel Medical:  Learn More  |  Free Quote / Apply (Best for Travelers to the USA)

Share this

Primary Sidebar

Related Pages

    Customer Service

    USA & Canada: (877) 758-4881
    Worldwide: +1 (617) 500-6738
    Contact Us

    We'll Contact You

    One of our expert international insurance brokers will respond to you promptly.

    Request a Quote Today

    Search Website

    Our Customer Reviews

    International Citizens Insurance
    International Citizens Insurance
    4.9
    Based on 129 reviews
    powered by Google

    Get a fast, free, expat insurance quote.

    Request a Quote

    Footer

    Global Medical Plans

    International Health Insurance
    Cigna Global Health
    GeoBlue Xplorer Premier
    IMG Global Medical
    Integra Health Plans
    Aetna International

    Specialty Coverage

    Overseas Health Insurance
    US Citizens Abroad
    US Health Insurance
    Senior Travel Insurance
    Visitors Coverage
    Schengen Visa Insurance
    Annual Multi Trip

    Company Info

    About Us
    The Team
    International Brokers
    Testimonials
    Agents / Affiliates

    Customer Service

    United States 877-758-4881
    US Direct 617-500-6738
    International +44 (20) 35450909

    International Citizens Insurance
    International Citizens Insurance
    4.9
    Based on 129 reviews
    powered by Google
    US Travel Insurance Association Member International Citizens Insurance Business Review

    18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

    Contact US | Privacy Policy | Licensing | Sitemap

    Copyright © 2021, International Citizens Insurance, an International Citizens Group, Inc. company


    Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent. International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries. This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.

    By continuing to browse this website you are agreeing to our use of cookies.
    International Citizens Insurance
    • Home
    • Individual Plans
      ▼
      • International Health Insurance Plans
        ▼
        • Best International Health Insurance Companies
        • Student Insurance
        • Overseas Health Insurance
      • Expatriate Insurance
        ▼
        • Insurance for American Expats Abroad
        • Insurance for Canadian Expats
        • Expat Insurance for Japanese Abroad
        • Expat Insurance for Germans Living Abroad
        • Expat insurance for Brazilian Citizens Abroad
      • Travel Insurance
        ▼
        • Travel Medical Insurance Plans
        • Visitors Coverage
        • Best Travel Insurance Companies
        • Trip Cancellation Insurance
        • Evacuation Insurance Plans
        • Student Insurance
      • International Life Insurance
    • Group Plans
      ▼
      • Corporate and Employee Groups
      • Missionary Groups
      • Volunteer Programs and Non-Profits
      • School Groups
    • Insurance Companies
      ▼
      • Aetna International
      • Cigna Global Insurance Company
      • GeoBlue
      • International Medical Group
      • Now Health
      • Seven Corners
      • Tokio Marine HCC
    • Compare
      ▼
      • Compare Global Health Insurance Plans
      • Compare Travel Insurance Plans
    • Country Guides
      ▼
      • Health Insurance Plans in North America
        ▼
        • Health Insurance in the USA
        • Health Insurance in Mexico
        • Health Insurance in Canada
      • Understanding Health Insurance in South America
        ▼
        • Health Insurance in Argentina
        • Health Insurance in Colombia for Foreigners
        • Health Insurance in Chile
      • European Health Insurance
        ▼
        • UK Health Insurance Plans for Foreigners
        • Health Insurance in Germany
        • French Health Insurance
        • Italian Health Insurance
        • Health Insurance in Sweden for Foreigners
        • Portuguese Health Insurance
        • Health Insurance in Spain for Foreigners
      • Health Insurance Plans in Asia
        ▼
        • Health Insurance in China
        • Health Insurance in Japan
        • Health Insurance in Dubai
        • Health Insurance in India
        • Thailand Health Insurance
        • Malaysian Health Insurance for Foreigners
        • Health Insurance in Singapore for Foreigners
      • Understanding Health Insurance in Oceania
        ▼
        • Australian Health Insurance for Foreigners
        • Health Insurance in New Zealand
      • Health Insurance Options in Africa
        ▼
        • South Africa Health Insurance for Foreigners
      • Travel Insurance Plans by Country
        ▼
        • USA Travel Insurance
        • Australia Travel Insurance
        • Mexico Travel Insurance
    • Resources
      ▼
      • News, Global Health Advice, and Travel Tips
      • Insurance Articles
      • Travel Advice and Tips
      • Senior Travel Insurance

    877-758-4881 or
    +44 (20) 35450909

    Call 24 hours a day; 7 days a week.