Travel insurance coverage for US travelers traveling outside the USA

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Traveler's residence
Travelers (Age)
Trip cost($)/person

Trip start date
Trip end date

Travel insurance with trip protection coverage - Highlights

Trip cancellation

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Trip delay

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Age & Citizenship
Start date
End date

Travel medical insurance with no trip protection - Highlights

Health care expenses

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Medical evacuation

Transportation to or between hospitals as needed.

Repat of remains

Return of moral remains to home country or local burial.

What does visitor travel insurance cover?

Health care expenses

Covers hospital expenses for sickness or accidents.

Doctor visit

Insures Doctor visits for sudden injury or sickness.

Pharmacy drugs

Doctor prescribed eligible pharmacy drugs expenses.

Pre-existing conditions

Some plans insure acute onset of pre-existing conditions coverage.

Medical evacuation

Medical evacuation expenses to nearest facility included.

Repat of remains

Repatriation of remains to home country included.

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How does travel insurance work?

Claims process for expenses due to injury or sickness
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How to buy travel insurance?

Guide to buying the best international travel health insurance
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Travel insurance glossary

Commonly used international travel medical insurance terms
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Travel insurance for specific groups

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US travelers insurance, Travel health insurance USA

Travel insurance coverage for US travelers traveling outside the USA

It is interesting to me as an agent what different travelers value and expect from their international health insurance. We have recently seen a growing number of US citizens and residents requesting coverage for their trips outside the US.

There are specific plans (usually at a better price when compared to plans for coverage within the US) available for this travel outside the US and they allow a generous amount for emergency medical evacuation which is often a concern for US travelers (I know it was for me on my trip this past summer).

With the coronavirus pandemic US travelers are keen on choosing Cancel for any reason cover .This an additional rider that needs to be purchased to get maximum percentage of the cost of the trip covered. This cover offers protection for up to 75% of the expenses for a future trip. CFAR provides coverage for any reason that may not be mentioned in the policy otherwise

First, let me define my terms. Emergency Medical Evacuation is one of three situations:

  1. Moving a person from the site of an accident (for example) to the closest hospital. This could be accomplished most likely by an ambulance.
  2. Moving a patient from one health care facility to a different one. For example, if the hospital where you are does not offer an ICU for newborns and this is what is required, they may airlift (usually via helicopter) to the closest hospital with the appropriate facility.
  3. Same as #2, but travel may take you across country borders as needed since the “closest” may be across a border.
Note that the emergency medical evacuation, particularly in cases #2 and #3 (above) need to be arranged by the insurance company. So be sure that you are in contact with them. This can be very helpful in several ways: Firstly, you will know that they are going to pay for what can be very expensive, and secondly, they have experience and knowledge in this area and can be sure you have the best care and transport they can arrange for you (be it by plane, boat, or other conveyance).

For purposes of comparing outbound plans, I am going to review the coverage for emergency medical evacuation that we have available from our many companies. I will list them from most flexible and then from highest coverage to lowest. Please note that the cost of premiums are not necessarily listed from highest to lowest.

The most generous coverage for emergency medical evacuation is offered by International Medical Group (IMG) because they allow a rider on their plans (for an additional charge) which will allow you to include non-life threatening coverage as well as natural disaster evacuation. The best coverage is in their Patriot Platinum International plan. The coverage for emergency medical evacuation (without the rider) is up to the maximum of the plan (which can be from $1 million to $8 million).

The Evacuation Plus Rider (available up to age 65) adds coverage up to $50,000 for non-life threatening medical evacuation and $10,000 for natural disaster evacuation. The other IMG plan (Patriot International) offer up to the maximum limit for emergency medical evacuation on the basic plans.

The Evacuation Plus Riders to these plans add $25,000 for non-life threatening evacuation and $5,000 for natural disaster evacuation (this rider can only be purchased for individuals under 65 years old and only on individual policies).

The fixed benefit plan by IMG has more modest coverage. Visitor's Care only offers up to $50,000 for emergency medical evacuation for plans B and C or $25,000 for plan A. No rider is available for this plan.

The next best coverage is offered by Trawick International which covers up to $2 million for emergency medical evacuation. No additional rider or coverage is available. This coverage is available on their Safe Travels International Cost Saver plan and the Safe Travels International plan.

Several plans have an emergency medical evacuation benefit of $1 million. These are: Atlas International. Diplomat International and Diplomat LongTerm plans offers $500,000 emergency medical evacuation benefit. Note that the Diplomat plans offer coverage for political and natural disaster evacuation up to $50,000 for added peace of mind. This coverage does not require the purchase of an additional rider and is a nice additional benefit on their plans.

GeoBlue offers up to $500,000 coverage for emergency medical evacuation. The plans are Voyager Essential and Voyager Choice offered in some states.

travel insurance USA

Travel Medical Choice covers up to $500,000 for emergency medical evacuation and purchased for less than 364 days of coverage, you may buy additional time, to a total of 364 days. And finally, the WorldMed Outbound and Travel Medical Basic plans covers up to $250,000 for emergency medical evacuation.

That summarizes the plans available for travel outside the US. Note that if your travels include the US, then you must list that as your destination country and some of these options are not available to you. If you are going to the US and another country, you can split up the trip and use different plans to cover each portion of your trip. This may (or may not) save you some money since coverage in the US is always more expensive.

I hope you have found this information useful. Note that coverage and benefits change year by year, so be sure to check an updated brochure to make sure the benefit has not changed recently. While we try to keep the site up to date, this is not always possible. However, the brochure will specify all the coverage for the policy. Please feel free to give us a call with any concerns or questions you may have.

As always, we wish you safe and happy travels!

Resourceful International travel insurance information

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Visitor insurance resources

Visitors travel insurance for medical emergency outside your home country.

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Visitors insurance factors

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claims procedure

Travel insurance claims procedure

Travel insurance online claims process for getting medical care in a hospital.

US visitors insurance providers

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

US visitors insurance providers

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