Trip vs Travel vs Global Medical Insurance plans

Confused whether you need to buy Trip Insurance or Travel medical insurance or long term Global insurance? Here are some differences:

Travel insurance quote form

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

Trip start date
Trip end date

Trip Insurance

Insures the cost of the trip

Travel Medical Insurance

Insures health of traveler

Global medical Insurance

Long-term exclusive coverage

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Covered benefits

This insurance covers all pre-paid expenses for trip cancellation, trip interruption, trip delay, baggage loss, airline expenses, rental car coverage, hotel bookings, cruise bookings and any other trip related costs. This will also cover medical benefits like dental expense and other expenses that a travel medical insurance covers.

These plans provides coverage for both US and Non US citizens medical benefits such as dental expenses, pre-existing conditions coverage, emergency medical evacuation, repatriation benefits, medical expenses for any injury and unexpected sickness outside their home country.

Global medical insurance provides worldwide coverage for both Non US citizens and US expats unlike regular travel medical insurance. They include coverage for preventive care, routine dental and medical check-up, prescriptions and medications, maternity (covered after a year).


Trip insurance does not provide any coverage for routine and preventive care. Pregnancy and maternity related benefits are not covered. Mental btn-darklth and drug abuse are not covered. Routine care for pre-existing conditions is not available.

Routine care for pre-existing conditions is not covered. Pregnancy and Maternity benefits are not covered. Preventive Care services are not available. People above age 70 get limited coverage for pre-existing conditions.

Coverage for US and Non US citizens is not available in their home country (unless below the threshold limit of days within home country allowed by insurance company). Waiting period may be applicable for pregnancy and maternity coverage. These plans are not guaranteed approval as they go through underwriting review.


The cost of a trip protection insurance policy will depend on the money you have invested on your vacation and any additional coverage you may need

The cost depends on the type of travel insurance you buy, some plans are limited while others are comprehensive. You need to understand the differences between fixed and comprehensive plans before you buy it.

More expensive but is comprehensive as they offer long term coverage and includes coverage for maternity, mental, dental, vision and preventive care services. Global plans also offer fixed or comprehensive coverage

Popular Plans
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US travelers insurance, Travel health insurance USA

  Trip Insurance Travel Insurance Global Plans
Trip Cancellation Covers the loss of pre-paid, non-refundable and unused payments, when the covered trip is cancelled due to illness, injury or death of family member; bankruptcy; jury duty; auto accident; terrorist incident etc.
Trip Cancellation is available Trip Cancellation is not available Trip Cancellation is not available
One way cost of the Insured\'s ticket to return home, if the Trip is interrupted due to the death of a family member or destrucion of the insured\'s home or other eligible cause.
Trip Interruption is available Trip Interruption is not available Trip Interruption is not available
During a flight, in case the baggage is lost or its contents get damaged due to fire or other reasons, you can get the reimbursement for the loss through a baggage insurance.
Baggage Loss is available Baggage Loss is not available Baggage Loss is not available
Coverage for Emergency Medical Evacuations to the nearest qualified medical facility.
Medical Evacuation is not available Medical Evacuation is available Medical Evacuation is not available
Dental Dental is available Dental is available Dental is available
Coverage for the loss of life or limbs in an accident.
Accident is not available Accident is not available EvacAccidentuation is not available
Medical ailments for which you have already received or are receiving treatment for. Pregnancy, AIDS, high-blood pressure and stroke are all forms of pre-existing conditions. Different insurance carriers have their own policies for pre-existing conditions.
pre-existing conditions coverage is not available pre-existing conditions coverage is available pre-existing conditions coverage is available
Pregnancy and Maternity Pregnancy coverage is not available Pregnancy coverage is not available Pregnancy coverage is available
Mental btn-darklth and drug abuse Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is not available Mental btn-darklth and drug abuse coverage is available
Routine care for pre-existing conditions Routine care for pre-existing conditions coverage is not available Routine care for pre-existing conditions coverage is not available Routine care for pre-existing conditions coverage is available
Cost $$$ $$ $$$$

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Liberty Statue

Factors that determine the cost of US travel insurance plans:

Age of the traveler

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Type of travel insurance

Comprehensive travel insurance which provide exhaustive coverage are more expensive than fixed benefit travel insurance.

Medical maximum coverage and deductible options

The price of visitors medical insurance is directly dependant on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Region of coverage

Travel insurance depends on the coverage region. The cost for visitor health insurance for the United States is most expensive.

Duration of travel insurance

The longer the duration of visitor medical insurance required, the higher will be the cost.

Steps to buy
US visitor travel insurance online

 Step 1: Finding the available US travel insurance plans

Complete the travel insurance quote request form by providing details of the traveller and insurance requirements.

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Purchase the plan that fits your needs and budget best by using a credit card and completing the online application.

Review the travel insurance documents received by email closely for coverage details and relevant contact numbers

Step by step travel insurance

US medical insurance for visitors to global destinations

US health insurance for travelers to USA

American flag insurance

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

Expertise in offering travel insurance
20+ years!

Customers from
All U.S. states!

Customers from over
180 countries!