Travel Medical Insurance

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare the different plans available via the matrix below and use the links at the bottom to check prices.

International citizensUS citizensGreat for Adventure Travelers!
Plan NameWorld NomadsPatriot America Patriot InternationalTravel SelectTravel LX
CompanyWorld Nomads Travel InsuranceInternational Medical Group International Medical Group Travelex Insurance Services iTravel Insured
Best forBackpackers and familiesAdventure travelers
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UnderwriterThe underwriter for the policy is dependent upon your country of residence.Sirius International – Rated A (excellent) by A.M. BestSirius International – Rated A (excellent) by A.M. BestStonebridge Casualty Insurance Company – AM Best Rating A- (Excellent)iTravel Insured
Available ToInternational citizens and residents traveling outside home country, USA residents traveling over 100 miles from home & Canadian residents traveling out of province.International citizens traveling outside home countryUS citizens – traveling abroadUS ResidentsResidents of the United States (not available to NY residents)
Medical Expenses$100,000 to unlimited coverage depending on country of residence$50,000 up to $1,000,000 Per Person
age 70 – 79 $50,000 Maximum
age 80+ $10,000 Maximum
$50,000 up to $2,000,000 Per Person
age 70 – 79 $50,000 Maximum
age 80+ $10,000 Maximum
$50,000 per person$100,000 – Primary
Pre-existing ConditionsNo coverage, except as described in certain policies. Applies to you, your travelling companions and close relatives.No Coverage$15,000 Medical/$25,000 Evacuation coverage for
sudden recurrence of a Pre-exisitng condition when outside US
Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditionsA pre-existing conditions application is available if purchased within 20 days of initial trip deposit
Emergency Evacuation
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$300,000 to unlimited coverage, depending on your country of residenceUp to Policy Maximum when coordinated through IMGUp to Policy Maximum when coordinated through plan
administrator
$500,000 per person$1,000,000
Repatriation of Remains$10,000 to unlimited coverage depending on your country of residenceUp to $50,000 – when coordinated through plan administratorUp to $50,000 – when coordinated through plan administratorIncluded in Emergency Evacuation$1,000,000
Emergency ReunionCover where medically requred dependent on your country of residence and the circumstances.$15,000 – maximum 15 days for friend or relative’s
travel expenses should you require Emergency Medical Evacuation
$15,000 – maximum 15 days for friend or relative’s
travel expenses should you require Emergency Medical Evacuation
If traveling alone and hospitalized 7 days or more. Provides transportation for friend or relative to be with youNo coverage
Accidental Death & Dismemberment
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$5,000 to $15,000 Cover depends on your country of residence. Some plans, no coverage.$25,000 Per Person
Optional increase of $100,000 to $400,000 available
$25,000 Per Person
Optional increase of $100,000 to $400,000 available
$25,000 per personNo coverage
Flight AccidentCover included in medical evacuation and baggage coverage, depending on country of residence.$50,000
(included in Common Carrier)
$50,000
(included in Common Carrier)
Upgrade available in Optional “Transportation Pak” – $200,000 per person ($1 Million maximum plan limit) – as confirmed on your confirmation of coverage letterNo coverage
Trip Cancellation$2,500 to 100% trip cost depending on your country of residence and reason for cancellation.No CoverageNo Coverage100% Trip Cost100% of Trip Cost
Trip Interruption$2,500 to $5,000 depending on your country of residence and reason for interruption.Up to $5,000 for economy return ticket for death
of your immediate family member while traveling
Up to $5,000 for economy return ticket for death
of your immediate family member while traveling
150% of Trip Cost
$1,000 Per Person for $0.00 Trip Cost Insured / Post Departure Coverage
“150% of Trip Cost “
Trip Delay$500 to $1,000 depending on your country of residence and reason for delay. Daily limits apply. Some plans, no coverage.No CoverageNo Coverage$750 Per Person – if delayed 5 hours or more“$1,000 ($250 per Day / 6 hrs) “
Sports & Hazardous ActivitiesAutomatic and upgradable cover for wide range of adventure sports and activities. Hazardous activities restricted. Check policy for details.Leisure Sports Rider avialable
Extreme Sports Rider available
Leisure Sports Rider avialable
Extreme Sports Rider available
Available in Optional “Active Family Pak” or “Adventurer Plus Pak”Waives excluded sports/recreation activities – included
Lost BaggageLost checked-in baggage by a Common Carrier up to $3,500 depending on your country of residence. Item limits apply.$50 per item up to $250 maximum (while in the possesion
of a Common Carrier)
$50 per bag up to $250 maximum (while in the possesion
of a Common Carrier)
$1,000 per person / up to $300 per article$2,500
Baggage Delay$300 to $750. Daily limits apply.No CoverageNo Coverage$250 – 12 hour minimum delay for lost or misdirected baggage$500
Supplier Bankruptcy/DefaultSome plans provide cover for insolvency or bankruptcy, depending on country of residence. Check policy for limits and conditions. Some plans, no coverage.No CoverageNo CoverageCoverage begins 14 days after policy effective date.No coverage
Labor StrikeSome plans cover unforeseeable strike under trip cancellation or interruption. Some plans, no coverage.No CoverageNo CoverageUnforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hoursNo coverage
TerrorismSome plans include in cancellation / interruption. Other plans include cover for evacuation. Some plans, no coverage.Included – up to $50,000Terrorism rider available for 25% additional premium
(medical coverage only)
This benefit only applies if the plan has been purchased within twenty-one (21) days of your initial trip payment or deposit.No coverage
Rental Car InsuranceSome plans provide cover for the car insurance excess only, depending on country of residence. Some plans, no coverage.No CoverageNo CoverageAvailable in Optional “Transportation Pak” – up to $35,000 damage protection$40,000
Travel Assistance24 hour Toll Free Emergency Medical Assistance24 hour Toll Free Emergency Medical Assistance24 hour Toll Free Emergency Medical AssistanceIncluded24-hr Travel Assistance Services – included
Special Features* Buy, extend and claim online from anywhere in
the world * Purchase whilst away from home * Free specialist safety alerts and advice, travel Q&A service,
travels journals and language guides
Home Country Coverage available for International
Citizens visiting their home country (select Patriot Return Rider)
Instant on-line fullfillmentChildren under age 21 can be protected at no additional cost when accompanied by a covered adult family member. Maximum trip cost $10,000.“Pre-Existing Medical Conditions Exclusion Waiver if purchased within 20 days of initial trip deposit Primary Medical Coverage with No Deductible”
Length Of Coverage2 days up to 12 months, depending on country of residence. Unlimited extensions.10 days to 12 months10 days to 12 monthsMax trip length: 180 daysMaximum Trip Length: 31 days
Over 65 Travel InsuranceNoYesYesYesYes
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TRAVEL MEDICAL INSURANCE

Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country.

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TRIP PROTECTION INSURANCE

Trip Protection Insurance reimburses your travel expenses if an unexpected crisis (e.g. sickness, airline strike etc) occurs before or during your trip causing it to be cancelled, interrupted or delayed.

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Do I need travel insurance?

When accidents happen

Imagine if you have become seriously ill, or had a car accident whilst traveling, would you be covered for treatment in the country? Would you have the support of an emergency assistant team to make sure you get the best treatment? Travel Insurance provides you with this.

When it gets really serious

Then imagine if you had to be repatriated? The cost of chartering a medivac flight, medical support in flight can run hundreds of thousands of dollars. Travel Insurance will keep you covered.

When plans change

1 week into your trip a hurricane wipes out your destination, perhaps a family member becomes ill, will you have to bear the burden of the cost of cancelling your trip? Travel Insurance can cover you.