International Travel Insurance for US Citizens , Travel Insurance for Americans

Other affordable travel insurance with trip cancellation coverage include Pathway Essential, Travelex Advantage

Most Chosen

Best Trip Cancellation Insurance

Trawick International

Pathway Premium

$43 for 15 days · age 20

verified $1,000 Trip Cost

Trip cost up to $100,000

Emergency medicalup to $100,000

Medical evacuationup to $1,000,000

Other affordable travel insurance with trip cancellation coverage include: Travelex Ultimate, iTravelInsured LX

Travel Medical Insurance for US Citizens Traveling Abroad

Travel Medical Insurance If you want coverage for emergency medical expenses such as hospital bills, doctor visits, prescription medications, and emergency medical evacuation caused by a sudden illness or accidental injury while traveling outside the United States, consider buying one of these travel medical insurance plans.

The cost of travel medical insurance for US citizens traveling abroad starts as low as $20 per month. Prices vary based on the traveler's age, destination, coverage limits, deductible, and length of the trip.

Travel medical insurance provides coverage for doctor visits, emergency hospital stays, emergency medical evacuation, prescription medications, and financial protection against unexpected medical expenses while traveling internationally.

Average one-month travel medical insurance costs for US citizens traveling internationally are shown below.

Filter by age:

Plan	Deductible	Age 20	Age 40	Age 60	Age 70
Atlas Essential International ^WorldTrips	$250	$20	$40	$86	$263
Safe Travels Outbound ^{Trawick International}	$250	$26	$77	$168	$296
Atlas International ^WorldTrips	$250	$27	$54	$117	$212
VisitorSecure ^WorldTrips	$100	$29	$34	$55	$96
Travel Medical Excluding USA Basic ^{Seven Corners}	$0	$29	$55	$121	$269
Patriot International Lite ^IMG	$250	$29	$55	$121	$214
BCBS Single Trip Gold ^BCBS	$250	$43	$72	$154	$289
BCBS Single Trip Platinum ^BCBS	$250	$46	$79	$160	$300
TravelGap Excursion ^{HTH Worldwide}	$250	$43	$72	$154	$289
TravelGap Voyager ^{HTH Worldwide}	$250	$46	$79	$160	$300
Diplomat International ^{Global Underwriters}	$250	$32	$86	$181	$315
Intermedical ^{Travel Insure}	$250	$48	$73	$121	$201

Source: American Visitor Insurance® | Prices verified for 2026 travel season.

Travel Medical Insurance for U.S. Citizens Traveling Abroad

Review travel medical insurance coverage benefits.

Show Plans »

Best Travel Medical Insurance 2026

Cheapest Travel Medical Insurance

WorldTrips

Atlas Essential

$20 /month · age 20

verified $50,000 Max Coverage · $250 Deductible

Medical maximumup to $1,000,000

Deductible options$0 to $5,000

Pre-existing conditionsNot covered

Other affordable travel medical insurance plans for U.S. citizens include Atlas International, Patriot International Lite .

Most Chosen

Best Travel Medical Insurance

WorldTrips

Atlas Premium

$38 /month · age 20

verified $50,000 Max Coverage · $250 Deductible

Medical maximumup to $2,000,000

Deductible options$0 to $5,000

Acute pre-existing conditionscovered (under 79)

Patriot International Lite

Other affordable travel medical insurance plans for U.S. citizens include Intermedical, Patriot Platinum International .

monitoring Cost Factors

What Are the Factors That Determine the Cost of US Travel Insurance?

The cost of international travel health insurance for US citizens depends on the following:

Age of the Traveler
The older the traveler, the more expensive will be the cost of travel 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 travel health insurance in some countries (USA …) is more expensive than others.

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

Any Add-On Benefits
Additional add-on benefits like adventure sports coverage … will increase the cost of coverage.

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Trip vs Travel Health Coverage vs Global Medical Insurance

Confused whether to buy trip, travel or global health insurance? Understand the differences.

Click here to read more

Best Travel Medical Insurance for US Citizens with Pre-Existing Condition Coverage

Below are some of the best travel medical insurance plans for US citizens traveling abroad that offer coverage for the acute onset of pre-existing conditions or limited benefits for eligible pre-existing medical conditions.

Comprehensive Best Option

BCBS Single Trip Platinum Insurance

Blue Cross Blue Shield Global Solutions Travel Insurance

Details Brochure

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BCBS Single Trip Platinum insurance plan covers pre-existing medical conditions that exist before your trip, a benefit not commonly included in many travel medical insurance plans. Coverage for pre-existing conditions includes both emergency medical treatment and emergency medical evacuation, providing comprehensive protection for international travelers.

Best International Travel Insurance for Acute Onset of Pre-Existing Conditions

WorldTrips

Atlas International Best Plan

From $27 / month · age 20

Covers acute onset of pre-existing conditions up to the policy maximum (age-based limits apply), with emergency evacuation for pre-existing conditions up to $25,000 lifetime.

IMG - International Medical Group

From $29 / month · age 20

Covers acute onset of pre-existing conditions up to the policy maximum for travelers under age 70, with emergency medical evacuation up to $25,000 lifetime.

Seven Corners

Travel Medical Excluding USA Basic

From $29 / month · age 20

Covers acute onset of pre-existing conditions up to $25,000 for ages under 64 and $5,000 for ages 65–79; not available for age 80+.

Travel Insurance Services

InterMedical

From $48 / month · age 20

Covers acute onset of pre-existing conditions up to overall max for ages under 60 and $20,000 for ages 60–79; $5,000 for age 80+, with emergency medical evacuation up to $25,000 lifetime

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International Travel Health Insurance From USA Resources

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Trip Cancellation Insurance

Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.

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Cancel for Any Reason (CFAR)

Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.

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Rental Car Collision

Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.

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US Citizen Annual Travel Insurance

US citizens and residents who travel abroad frequently for business should have international travel health insurance.

iTravelInsured Travel LX iTravelInsured Travel SE

American Travel Insurance Coverage Options

American travel insurance coverage for theft gear often include coverage for lost, stolen, or damaged personal belongings, which can include gear such as cameras, laptops, sports equipment, and other valuables. At American Visitor Insurance best travel insurance coverage for theft gear is offered by popular comprehensive plans from top rated insurance providers.

Travel insurance for US citizens visiting Europe with emergency medical evacuation coverage is crucial, particularly for those visiting areas with limited medical resources or engaging in high-risk activities. It's a vital feature of many travel insurance policies, providing essential aid and financial support in the event of a serious illness or injury that necessitates transportation to a medical facility or repatriation to the United States. The best travel insurance plans for medical evacuation cover the expenses of transferring you to the closest suitable medical facility when local care is insufficient.

Pathway Premium iTravelInsured Travel LX Trip Protection Choice

Flight cancellations can be a significant inconvenience, but having travel insurance can help mitigate the impact. When dealing with a canceled flight, it’s important to know your rights and how to claim compensation or seek reimbursement. Travel insurance can provide coverage for canceled flights, which is particularly useful if you encounter unexpected disruptions during your trip.

Pathway Premium Pathway Essential Trip Protection Choice

We offer policies for almost anyone traveling anywhere, including older US residents up to 99 years of age.
IMG, a well-established name in travel insurance, offers comprehensive travel and trip insurance products suitable for all types of travelers.
Covers airlift evacuation from your cruise ship to the nearest hospital capable of treating you.
Provides hospital-to-hospital transfers if the current facility cannot meet your medical needs.
Includes transportation to a hospital near your home if deemed necessary by your physician.

The iTravelInsured Travel Sport plan is designed for adventure seekers, offering travel insurance for expeditions, tours, and vacations. It covers adventure, extreme, and hazardous sports, as well as organized intramural and interscholastic sports, with trip cost protection of up to $100,000.

iTravelInsured Sport

workspace_premium Best Plans

Which Is the Best Trip Cancellation Insurance for International Trips?

Safe Travels Protect trip cancellation insurance is ideal for US residents and citizens traveling within USA and abroad.

Safe Travels Protect Insurance

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Cheapest trip cancellation insurance for US residents
Offers trip cancellation coverage up to $14,000.
Primary emergency accident and sickness medical coverage up to $25,000.
Maximum trip length is 90 days and covers up to age 85.
Plan is available up to 18 months in advance of departure.
14 Day free look period is available.
Safe Travels Protect insurance cost for a 40 year old traveler starts from $43 for 15 days trip duration with $1500 trip cost.

Trip Interruption

Up to 100% of Insured Trip Cost

Trip Delay

$300 ($100 per day) 12 hours

Missed Connection

$250 (12 Hours Delay)

Baggage Coverage

$500 ($100 per article, 50% special items)

verified_user Coverage Information

What Does Trip Cancellation Insurance Cover?

At American Visitor Insurance, we assist travelers from nearly anywhere as they travel away from home! It is important to consider purchasing an insurance plan to cover trip cancellation.

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Trip Cancellation Protection

In that way, if something happens between the time you pay for your trip and the departure date which doesn’t allow you to actually take your trip, you can get a refund for your non-reimbursable deposits and costs associated with the trip.

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Insurance Cost & Benefits

The cost of such insurance is less dependent on the length of the trip (although most have maximum day limits) and more dependent on the cost of the trip you are insuring. There are plans available for very high cost trips (exceeding $10,000 per person), such as safaris, long cruises, etc. as well as plans for more modestly priced trips.

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Trip Cost Protection

Benefits are usually 100% of non-refundable trip costs. These benefits are often reduced to 75% for the ‘Cancel for Any Reason’ benefit. These policies are very complete and well thought out.

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Coverage During Your Trip

If you do go on your trip, the policy will cover you for unexpected medical expenses and you will also have a trip interruption benefit if you should not be able to complete your trip for some reason (illness, weather, etc).

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Additional Travel Protection

In the case of the trip interruption benefit, the cost you insured for will come into play. There will be trip delay if you miss a flight or connection, and help to catch your cruise if necessary. Also, the coverage for baggage loss is good and they have even thought of helping you get your pet or children taken care of if they accompany you on your travels.

Trip cancellation insurance coverage comparison for US citizens

What Are the Benefits of Travel Insurance with Trip Cancellation Coverage?

Highlights of trip cancellation insurance coverage benefits

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How to Estimate Trip Cost for Travel Insurance?

Customers always ask me how much they should put down to insure their trips. This is a very important question to consider. Firstly, because it directly affects the cost of your insurance policy and secondly because it will put a maximum on your trip cancelation and interruption benefit. First of all, you can only ever get back the non-refundable portion of your trip cost. And, you must be able to show the loss. For example, when I booked a trip to Europe some time back over a summer, I prepaid for all our hotels.

lightbulb Key things to keep in mind

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The refund policy was only 10%, so I could have insured 90% of the cost in that case. You must look carefully for the refund policy of all pre-paid costs associated with your trip in order to get this amount correct.

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Airbnb are not consistent across the same city, so you will have to assess this individually for each part of your trip.

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While some plans allow you to put down a total trip cost or an average trip cost per person, some will want you to be specific for each traveler.

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Make sure you keep track of costs accurately again to keep the cost of the insurance down and your refund as accurate as possible.

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Important

Technically, you can insure for any portion of the trip that you want. However, in order to get some benefits, some plans require that you insure all of your pre-paid, non-refundable expenses (such as the waiver for the pre-existing condition exclusion, ‘cancel for any reason’ benefit, or cancel for any work reason benefit).

shopping_cart Purchase Information

When Can I Buy the Trip Cancellation Plan?

You can buy it at any time before your travel dates, however, since you are insuring the value of your trip, the sooner the better in case something happens to interfere with your travel. For example, maybe you’ve planned a trip for next October. Then, you find out that you will be required to be in court at that time.

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Purchase Before You Know of a Conflict

If you haven’t already purchased your trip cancellation plan, you will not be able to get the refund since you already know about this conflict.

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10-Day Look Free Period

Furthermore, you always get a 10 day ‘look free’ period after you purchase your plan which gives you a few days to make sure you got the product that you really want.

health_and_safety Pre-Existing Conditions

Does Trip Insurance Cover Pre-Existing Conditions?

Many plans will cover pre-existing medical conditions (that is, they will waive the exclusion of pre-existing medical conditions) if you purchase your policy within a certain number of days of the initial trip deposit.

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Purchase Within the Required Time

In that case, for older travelers or those with such conditions, it is advantageous to get the policy within their deadline to get the additional peace of mind of more complete medical coverage should something happen.

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Travel with Confidence

Of course, we hope that you get to go on your trip without a hitch and that you stay happy and healthy though your trip, but these policies offer you some peace of mind.

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Why Pre-Existing Condition Coverage Matters

Even if things go wrong; from the minor inconvenience of missing a connecting flight to the major headache of trying to find appropriate medical care in an unfamiliar country or finding you are not able to take your vacation as planned in the first place, you will be taken care of by companies that have experience and the ability to work abroad. Let us help you find the right plan for your situation at American Visitor Insurance!

Popular Plans Offering a Pre-Existing Condition Waiver

Pathway Premium – Covered if purchased within 21 days of the initial trip deposit.
Travelex Ultimate – Waiver included if purchased within 21 days of the first trip payment, with the full trip cost insured.
iTravelInsured Travel LX – Waiver available if purchased within 24 hours of the final trip payment.
Safe Travels Armor – Covered if purchased within 14 days of the initial trip deposit.
Trip Protection Choice – Covered if purchased within 20 days of the initial trip payment or deposit.
Trip Protector Preferred – Coverage available if purchased within 21 days of the initial trip deposit.
BHTP ExactCare – Covered if purchased within 15 days of the initial trip deposit.

Best Trip Cancellation Insurance for U.S. Seniors?

We’re glad you found your way to American Visitor Insurance. Our website is dedicated to getting you the least expensive, but most appropriate policy to put your mind at ease when you travel whether it’s on a getaway to Hawaii or an adventure across the globe to Mt. Fuji. We offer policies for pretty much anyone traveling nearly anywhere! If you are an older US resident planning a trip (up to 99 years), we have a relatively new policy that you should consider. IMG has been in the travel insurance business for many years with travel and trip insurance products for all travelers.

shield iTravelInsured Choice

Ideal for seniors with trips under $10,000.

Medical coverage up to $100,000
Emergency medical evacuation up to $500,000
No deductible
Minimum trip cost $500

View iTravelInsured Choice →

verified_user iTravelInsured Choice Cruise Cruise

Designed for cruise vacations with comprehensive protection.

Trip cancellation & interruption
Baggage loss & delay
Emergency medical coverage
Cruise-specific benefits

View Choice Cruise →

workspace_premium iTravelInsuredTravel LX

Higher medical limits for travelers seeking maximum protection.

High medical maximums
Trip cancellation & interruption
Emergency evacuation
Optional CFAR available

View Travel LX →

Their latest trip cancellation plan is called iTravelInsured Choice Insurance and iTravelInsured Choice Cruise Insurance. It is economically priced for trips that cost less than $10,000 per person (their other products can insure more expensive trips). While trip cancellation plans are often pricey, if you are an older traveler, they actually offer very competitive rates and often have much higher medical maximums and lower deductibles than straight travel insurance plans. Technically, you are not required to insure all of your trip or all your pre-paid non-refundable expenses. Minimum trip cost that can be insured is $500.

The most you insure for should be the total pre-paid, non-refundable portion of your trip cost. You will have to show your loss to get this benefit paid to you. Furthermore, if you go on your trip, this policy will provide coverage up to $100,000 for medical expenses as well as emergency medical evacuation of $500,000. There is no deductible on this plan. Also covered is baggage loss or delay, trip delay and trip interruption.

The reimbursement for the trip interruption benefit will be the proportion of remaining trip multiplied by the insured amount of the policy. The policy will also help with lost or stolen passports, credit cards, and personal items.

If you are looking to insure a trip outside the US and are dismayed at the low maximums available and high costs, particularly if you are over 80 years of age, we recommend having a look and thinking about choosing a trip cancellation plan like iTravelInsured Choice Insurance offered by IMG. It may give you a better rate and higher maximum than a plain travel insurance plan that does not include a trip cancellation benefit.

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Quick Tip: Seniors looking for higher medical limits and trip cancellation coverage should compare iTravelInsured Choice, iTravelInsured Choice Cruise Insurance, and Travel LX based on trip cost, destination, and coverage needs.

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Best Trip Cancellation Travel Insurance for Seniors

Compare top trip cancellation plans designed for U.S. seniors with comprehensive medical coverage, trip protection, and emergency travel benefits.

Click here to read more »

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Looking for the right travel health insurance for US citizens returning home?

We recommend comparing Patriot America Plus, Patriot America Platinum, Visitors Protect Insurance, and Diplomat America, all offering coverage for pre-existing conditions, emergency medical care, and evacuation. Find more resources in our US Citizens Travel Insurance page.

What Are the Benefits of Trip Cancellation and International Travel Health Insurance for US Citizens and Residents?

Another option is to purchase trip or travel insurance which will reimburse you for cost of the trip should you have to cancel or interrupt your trip. These policies are only available to US residents (you do not necessarily have to be a US citizen, a US address will do). These policies, if you go on your trip as expected, also cover any sudden medical expenses that should arise.

These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. These can be an excellent way to protect the investment you make on a trip. Compare Best Trip Cancellation Insurance and buy a plan to protect your trip investment expenses.

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Trip Cancellation Insurance

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Protect Your Trip Investment

These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. They are an excellent way to protect your trip investment.

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Do Americans need Long term Europe visa insurance?

US citizens are rarely required to buy insurance while they travel abroad. However, for Americans who wish to stay in Europe for a longer stay, they have requirements similar to other citizens for "Schengen visas". One requirements for being issued a Schengen long term visa is to have proper health insurance in Europe. These travel insurance plans are very affordable and can be purchased easily once you choose the one that's right for you. Compare Popular travel health insurance plans for long term Europe Visa.

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Travel Medical Insurance for U.S. Citizens Traveling Abroad

Review travel medical insurance coverage benefits.

Show Plans

What are the Best Trip Insurance Options for US Citizens Traveling Within the United States?

Many of us have limited medical insurance which includes high deductibles and coinsurance rates. This is particularly true when we travel even if within the US but outside our home state. It is therefore important to buy trip insurance even when traveling within the US. At American Visitor Insurance, we also offer trip insurance for US citizens traveling within the United States.

These short-term trip insurance plans can be bought for trips up to 30 days and will cover the travelers while they are away from home on a designated trip. Travelers can insure the cost of our trip, which includes the cost of a airline ticket, a cruise, hotels, or any other non-reimbursable costs of a trip, or we can keep this coverage to a minimum ($50 to $100 per person) and get coverage mainly for the medical benefits while on the trip.

These trip insurance plans are designed for travelers with coverage for trip interruption, taking care of children, pets, and travel companions while traveling. They can provide peace of mind while traveling within the country or even to a different country! You can use our TRIP QUOTE COMPARE ENGINE to compare trip insurance plans.

Cost of your trip.
Unexpected medical expenses while on the trip.
Loss or damage to your possessions.

lightbulb Compare trip insurance plans based on your destination, trip cost, and medical coverage needs. Use our TRIP QUOTE COMPARE ENGINE to find the right plan for your trip.

Travel Insurance Tools & Resources

Estimate your travel insurance cost and learn what factors affect your premium.

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What Affects Your Travel Insurance Cost?

Age, trip length, destination, and coverage limits all play a role in your premium. See what drives the price up or down.

Age of traveler
Trip duration & destination
Coverage amount selected

Illustration of key factors that influence travel insurance cost

Free Tool

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Estimate Your Trip Cost Instantly

Use our free calculator to get a quick, accurate estimate of your travel insurance and trip cancellation costs.

Instant premium estimate
Easy trip cost calculation
Free to use

Buy Trip Cancellation Insurance

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Visa-Free Travel Countries for U.S. Citizens

Explore countries U.S. citizens can visit without a visa and learn about travel requirements before your trip.

Click Here to Read More

flight_takeoff Trip Protection

Best Trip Cancellation Insurance for USA

Is it worth buying trip cancellation insurance?

Annual vacation that is once in a lifetime experience could be very expensive. Planning a vacation involves expenses from booking air tickets, cruise reservations, hotel bookings which is done months in advance. As life is not certain, we cannot predict what can happen in the future which can resulting in cancelling an expensive vacation or trip or making other trip arrangements.

Sometimes while on a trip an emergency medical situation may arise which can result in hospitalization and huge medical bills. Other risks involved maybe baggage loss, flight delay, trip interruption, loss of passport which can cripple your life savings. Buying Trip protection insurance for USA can be a life and money saver which will cover most of the trip investment expenses and expenses arising from emergency travel and medical expenses.

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U.S. Citizen Travel Insurance - Reviews

Reviews, ratings and experiences from our customers.

Charlotte

★★★★★

"I am always appreciating good business conduct and when I am coming back here for the longer time span..."

Shelie

★★★★★

"Thank you for your prompt response. Your prompt response will be highly appreciated..."

Lori Fields

★★★★★

"Thank you AmericanVisitorInsurance! You went way beyond what I would expect from an insurance company..."

What are the Types of Travel Insurance?

Compare the most popular travel insurance options and choose the right coverage for your trip.

flight Single Trip

Single Trip Travel Insurance

Compare and buy best US Single trip insurance for travel within the US and overseas.

Coverage for one trip
Suitable for U.S. & international travel
Compare plans from top insurers

Popular Guide

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Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Compare Single Trip vs MultiTrip
Understand coverage differences
Choose the right plan

health_and_safety Health Coverage

Do U.S. Expatriates Need Health Insurance?

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

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Travel Insurance for U.S. Senior Citizens

Compare travel insurance plans designed for senior U.S. travelers with comprehensive medical and trip protection.

Travel Insurance for Acute Onset of Pre-existing Conditions

Learn about plans that provide coverage for the acute onset of pre-existing medical conditions while traveling.

Click here to read more »

health_and_safety Best Travel Insurance Options

What are the Best Travel Insurance for U.S. Citizens?

Short term travel medical Insurance

For short term travel vacations ranging from a few weeks to few months (less than a year).
This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.

Long term visitor health Insurance

Ideal for expats working overseas and for US pensioners living outside the US.
These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.

Click here to read more »

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Long-term Travel Medical Insurance

Learn about long-term travel medical insurance options for extended international travel and expatriate coverage.

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Which Are the Best Long-Stay Travel Insurance Plans for Americans Visiting Europe?

Traveling to Europe for an extended period more than 90 days, whether for work, study, or leisure, requires the long term Europe travel insurance coverage to ensure peace of mind and financial protection. Long-term travel insurance for Europe is designed for travelers staying beyond the typical short-term trip duration, providing comprehensive medical coverage, emergency assistance, and trip-related benefits.

For those applying for a long term travel in Europe visa, travel medical insurance must meet specific requirements, including a minimum of €30,000 medical coverage and emergency medical evacuation. Long term European visa is also essential to cover unexpected medical expenses, trip cancellations, and loss of personal belongings.

American Visitors Insurance offer the best international travel medical insurance for US citizens designed by top US Insurance providers. International travel insurance plans vary based on the different coverage benefits offered. Travelers can compare coverage benefits and buy the best Europe long stay travel insurance for US citizens.

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Long-Stay Coverage

Designed for travelers staying in Europe for more than 90 days with comprehensive medical protection and emergency assistance.

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Visa-Compliant Protection

Meets long-term Europe visa insurance requirements with €30,000 medical coverage and emergency medical evacuation benefits.

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Compare the Best Plans

American Visitors Insurance offer the best international travel medical insurance for US citizens from leading US insurance providers. Compare coverage benefits and choose the best Europe long stay travel insurance for US citizens that fits your travel needs.

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Which Is the Best Travel Insurance for U.S. Seniors With Medicare Coverage?

health_and_safety Does Medicare cover medical costs for US citizens?

US senior citizens with Medicare need international travel insurance as Medicare offers limited or no coverage outside USA. Traveling overseas involves risks especially for older travelers and costs of medical evacuation and health care outside the United States is expensive. Buying Medicare Supplemental international Travel insurance coverage for older US travelers is strongly recommended.

Indianapolis based International Medical Group (IMG) offers GlobeHopper Senior travel health insurance as affordable overseas travel medical insurance for US senior citizens and US permanent residents 65 years and older.

verified_user GlobeHopper Senior plan highlights

Available as the GlobeHopper Single-Trip plan for coverage from 5 days to 365 days.
Also available as the GlobeHopper Multi-trip plan covering 12 months with a maximum of 30 days per overseas trip.
Provides coverage of $1 million up to the age of 79 years.
Provides $100,000 coverage for travelers more than 80 years old.
Includes $2,500 cover for sudden unexpected recurrence of a pre-existing condition.
Includes $25,000 for emergency medical evacuation.

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The GlobeHopper Senior plan is available in two options:

flight_takeoff GlobeHopper Senior Single-Trip

5 days - 365 days

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repeat GlobeHopper Senior Multi-Trip

12 months Up to 30 days per trip

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travel_exploreFAQs

Travel Insurance USA, Travel Insurance In USA For Foreigners - FAQs

The best international travel health insurance for US citizens depends on your situation:

Best for single international trips (under 60): Atlas International (WorldTrips) from $68/month, or Patriot International Lite (IMG) from $69/month. Both provide $50,000–$2,000,000 in coverage and meet Schengen visa requirements.
Best for US seniors on Medicare (65+): GlobeHopper Senior by IMG - up to $1,000,000 coverage, specifically designed to supplement Medicare with no international coverage.
Best for cruises: Seven Corners Cruise Insurance (trip cancellation + missed connection + cabin confinement) or iTravelInsured Choice Cruise Insurance by IMG.
Best for frequent international travelers: Annual multi-trip plans from BCBS (Blue Cross Blue Shield Single Trip Platinum insurance) or WorldTrips (Atlas MultiTrip).
Best for pre-existing conditions: BCBS Blue Cross Blue Shield Single Trip Platinum insurance (covers pre-existing conditions with a current US health plan) or Safe Travels Outbound (Trawick, 6-month look-back).

Yes. US citizens can purchase travel medical-only insurance that covers emergency treatment, hospitalization, and evacuation without insuring the cost of the trip itself. This is usually the right choice when: your trip costs are largely refundable; your flights are flexible tickets; or you are primarily concerned with health coverage abroad rather than cancellation protection.

Popular travel medical-only plans for US citizens include:

Atlas International (WorldTrips) - from $68/month
Patriot International Lite (IMG) - from $69/month
Blue Cross Blue Shield Single Trip Platinum insurance (BCBS) - from $82/month, covers pre-existing conditions
Safe Travels Outbound (Trawick) - from $100/month, primary coverage

Standard travel insurance policies typically exclude:

Pre-existing medical conditions - unless a waiver is obtained by purchasing within the required window (usually 14–21 days of initial deposit)
Cancellation for a change of mind - unless you purchased Cancel for Any Reason (CFAR) coverage
Adventure and extreme sports - unless an adventure sports rider is added
Travel to active war zones - countries under US State Department Level 4 advisories
Self-inflicted injuries or alcohol/drug-related incidents
Routine or preventive medical care - travel insurance covers emergency treatment, not wellness visits
Known events - weather events, airline strikes, or other issues already known at the time of purchase

Always read your Certificate of Insurance carefully to understand specific exclusions for your chosen plan.

Medicare generally does not cover medical care outside the United States. The exceptions are extremely limited and do not apply to planned international travel or cruises. For all practical purposes, if you have Medicare and plan to travel internationally, you need supplemental international travel insurance.

GlobeHopper Senior by IMG is the most popular Medicare supplement travel insurance plan for US seniors, offering up to $1,000,000 in coverage for travelers under 79 and $100,000 for travelers 80+. Learn more about Medicare international travel coverage »

For those who are looking for long term Global medical insurance coverage, or International health insurance (as opposed to short term travel medical insurance), these must be purchased annually but can be paid for monthly, semi-annually, biannually or annually. The annual option will be the most cost-effective. An annual plan which includes coverage in the US for a person aged 35 can cost from $942 per year for a fixed plan with a $1 million maximum to $1700 for a comprehensive plan with a $5 million maximum and both with a $1000 deductible.

A person who does not need coverage in the US, can pay either $706 or $1274 for those same plans. Coverage which would include maternity costs would be as low as $2100 for outside the US or $3087. Remember that the application process for these plans does require an extensive questionnaire about medical history and is not guaranteed like other short term plans available.

Yes, U.S. citizens can get travel insurance in the to cover their trips both domestically and internationally. Travel insurance provides financial protection against unexpected events such as trip cancellations, medical emergencies, travel delays, or lost luggage. For international travel, U.S. citizens can buy plans that include emergency medical coverage, medical evacuation, and trip interruption benefits. For domestic trips, travel insurance can cover non-refundable costs and provide assistance during emergencies.

US medicare does not provide coverage outside of the US. "Outside of the US" includes outside of the all 50 States, the District of Columbia, Puerto Rico, the US Virgin Islands, Guam, American Samoa and Northern Mariana islands. There are some exceptions which can allow the coverage outside the US through Medicare Part A and Part B.

If you are in the US and at the time of the medical emergency, if foreign hospital is closer than the nearest US hospital, that can treat you.
If you live in the US, foreign hospitals are closer to home than the nearest US hospitals, regardless of emergency.
You are traveling through Canada without unreasonable delay by the most direct route between Alaska and another state and when a medical emergency occurs, the Canadian hospital is closer than the US hospital. Medicare handles "without unreasonable delay" on a case by case basis.

Given this limitation, international travel insurance is very highly recommended. US citizens traveling overseas can Compare International travel insurance plans on AmericanVisitorInsurance and buy it online easily without the need for any medical tests and paperwork.

International travel insurance is insurance coverage when an individual travels outside their home country. US citizens travel outside of the US for various reasons like a vacation, education, work, research and other purposes. The US domestic health insurance and Medicare will not provide any coverage outside of the US on such occasions.

These travel insurance plans cover unexpected sickness and injury and emergency cases including medical emergencies, hospitalization, repatriation, loss of luggage and delay, trip interruption, trip cancellation... This way they can be covered for the unexpected expenses and spend their time in the foreign country without experiencing trouble due to these incidents.

Living or residing outside the United States, as a US citizen you will need the best expat health insurance plan. The US health insurance plan may not provide sufficient coverage in most foreign countries, it is not possible to immediately enrol in their local health insurance. Therefore an expat international health insurance plan can provide a worldwide comprehensive nature of coverage. Expats require long term medical coverage and they need coverage for preventive care, emergency medical treatment.

The global worldwide coverage plans with regional medical coverage provide coverage for repatriation, trip interruption, trip cancellation and other services mentioned above and much more. Choosing the plan as per the requirement is the most essential part of the search for the right plan.

Expats do need international travel insurance to cover their emergency and necessary medical needs while living overseas. US citizens traveling overseas can Compare Global Expat insurance plans on AmericanVisitorInsurance and buy it online.

The best travel medical insurance for Americans traveling abroad is Blue Cross Blue Shield Single Trip Platinum insurance by GeoBlue. It's a single-trip medical plan that require you to have primary health insurance, and it provides coverage for pre-existing medical conditions.

Expat international health insurance policies include worldwide coverage and are comprehensive in nature. They cover emergency medical treatment, repatriation, hospitalization, trip interruption, trip cancellation, loss of luggage, preventive care, maternity, pregnancy and many other benefits which are additional to the benefits provided by a travel insurance plan.

Some of the best expat insurance plans include:

If you have already left your home country, you may still be able to purchase travel insurance. Compare post-departure travel insurance plans and find coverage options available online.

The travel insurance plans that are available for the US citizens traveling outside their home country provide coverage for emergency medical treatment, repatriation, hospitalization, lost luggage coverage, trip cancellation, trip interruption and many other benefits. Here are some popular plans for US citizens traveling outside of the US:

US citizens traveling overseas can Compare International travel insurance plans on AmericanVisitorInsurance and buy it online without any delay or need for medical tests and paperwork.

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Required Travel Insurance For Going Abroad

Find out which countries require travel insurance and learn about mandatory coverage requirements for international travelers.

Click here to read more

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US Citizens Traveling Overseas from the USA

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Trip Cancellation Insurance

Trip cancellation insurance plans insure both the health of the traveler as well as the cost of non-refundable trip expenses should the trip get cancelled or is interrupted.

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Older US Travelers on Medicare

Older US travelers on Medicare have limited health insurance coverage while outside the US. Good US citizens travel health insurance is very important in this situation.

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US Students Abroad

Good student medical insurance is important while outside the USA. US students overseas should buy good US student health insurance while studying overseas.

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Travel Insurance for Senior Citizens

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Senior Citizen Travel Insurance

Best travel insurance for seniors.

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Pre-existing Conditions for Senior Citizens

Compare and buy best pre-existing plans for senior citizens.

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Annual Travel Insurance for Senior Citizens

Best annual travel medical insurance for senior citizens traveling to the USA.

Cruise Holiday Insurance Cruise tourist insurance for pre-existing conditions

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What Is the Best Over 65 Travel Health Insurance for US Seniors?

Globehopper insurance offered by International Medical Group (IMG) is a travel health insurance plan specifically designed for US citizens and US permanent residents 65 years and older. The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days, or as the GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip. The GlobeHopper Senior plan is very popular as it provides coverage up to $1 million for travelers less than 79 years and $100,000 for travelers more than 80 years old.

The plan includes $2,500 cover for sudden unexpected recurrence of an existing medical ailment and $25,000 for emergency medical evacuation.

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Designed for Seniors 65+

Travel health insurance specially designed for US citizens and permanent residents aged 65 years and older.

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High Medical Coverage

Provides coverage up to $1 million for eligible travelers along with emergency medical evacuation benefits.

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Travel Insurance for Americans Overseas

Compare travel medical, trip cancellation, and emergency coverage for Americans traveling abroad.

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How Do I Buy the Best Travel Insurance for Cruises?

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise.
Most Cruises offers Cruise protection, but that is not the same as trip insurance for Cruises.
- A cruise protection usually gives vouchers for the traveler if they miss the cruise.
- Trip insurance, on the other hand, offers cash reimbursement.
Vacationers can shield themselves best by purchasing the Cancel for any reason insurance benefit.
- This gives the flexibility of cancellation the cruise vacation for any reason.
- The traveler can get reimbursed up to 75% of the non-refundable trip expenses.

The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans.

What Are the Best Cruise Travel Insurance?

Seven Corners Cruise Insurance

Cruise cancellation up to $30,000
Missed Tour or Cruise Connection up to $250 per day up to $1,500
Trip Inconvenience up to $250 each inconvenience up to $500
Medical Evacuation up to $500,000

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iTravelInsured Choice Cruise Insurance

Cruise cancellation up to $10,000
Missed Tour or Cruise Connection up to $500
Trip Inconvenience up to $100
Medical Evacuation up to $500,000

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Pathway Premium Trip Insurance

Cruise cancellation up to $100,000
Missed Tour or Cruise Connection up to $500
Emergency medical coverage up to $100,000
Medical Evacuation up to $1,000,000

Buy Online »

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How Do I Buy Travel Insurance for US Residents Online?

Finding the Available International Travel Insurance Plans
Complete the travel insurance quote form by providing traveler details and the insurance requirements.

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

Buy the Travel Insurance USA You Like Best and Review Documents
Buy the plan that fits your needs and budget by using a credit card and completing the online application.

Review the Travel Insurance Plan Documents Received by Email
Review the travel insurance policy documents received by email for coverage details and relevant contact numbers.

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What Are the Best Travel Insurance for Seniors Visiting Popular Destinations?

Compare travel insurance plans for seniors traveling to the world's most popular destinations.

Senior Citizen Travel to Canada

International travel insurance for seniors to Canada.

Senior Citizen Travel to India

International travel insurance for seniors to India.

Senior Citizen Travel to Europe

International travel insurance for seniors to Europe.

Senior Citizen Travel to Mexico

Compare Travel Insurance for Senior citizens, Travel insurance Mexico for Seniors.

Senior Citizen Travel to Caribbean

Best travel insurance for seniors for the Caribbean.

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Travel Insurance for USA, US Travel Medical Insurance

Choose the right travel medical insurance based on your travel status.

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US Citizens Visiting USA

Travel insurance for US citizens living abroad and visiting the US for a short visit.

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Foreign Nationals Visiting USA

Travel insurance for tourists and foreign nationals on other non-immigrant visas visiting the United States.

Compare Annual Travel Insurance Plans »

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Is It Worth Buying Annual Travel Insurance?

These plans are ideal for regular travelers who make many overseas trips annually. The Annual multi-trip insurance for traveling to USA plans provide coverage for a whole year, while having a maximum limit for the length of each international trip.

Business travelers find the annual trip plans very useful and price effective, as opposed to buying insurance for each of their overseas trips.

One of the requirement is that the traveler must have primary health insurance in the home country.

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Compare Safe Travels Outbound vs Cost Saver

Compare benefits, coverage, deductibles, and pricing from Trawick International to choose the best travel insurance plan.

Compare Plans »

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Why Buy the Best Travel Insurance for US Citizens from American Visitor Insurance?

American Visitor Insurance makes it easy for U.S. citizens traveling internationally to compare and purchase the best travel insurance plans from leading insurance providers. Whether you're traveling for a vacation, business trip, study abroad, cruise, or visiting family overseas, you can compare coverage options, policy limits, deductibles, and prices to find the plan that best fits your travel needs and budget.

With more than 20 years of experience, American Visitor Insurance has helped thousands of U.S. travelers find reliable international travel medical insurance with coverage for unexpected medical emergencies, hospitalization, emergency medical evacuation, trip cancellation, trip interruption, baggage loss, and other travel-related risks.

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Compare Top Travel Insurance Plans

Quickly compare benefits, policy maximums, deductibles, and prices from leading travel insurance companies serving U.S. travelers.

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Comprehensive International Coverage

Choose plans covering emergency medical expenses, hospitalization, evacuation, trip cancellation, travel delays, and baggage protection worldwide.

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Trusted Since 2000

American Visitor Insurance is a licensed U.S.-based insurance agency (NJ License #1181604) with over two decades of experience helping international travelers.

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Licensed Insurance Experts

Our experienced insurance specialists help you understand coverage options and select the right plan for your destination, age, and travel duration.

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Dedicated Customer Support

Receive assistance before, during, and after your trip, including policy guidance, emergency support information, and claims assistance.

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Helpful Travel Insurance Resources

Access expert guides, travel insurance FAQs, plan comparisons, and destination-specific information to make informed coverage decisions.

Compare the Best Travel Insurance for US Citizens

Instant quotes · Compare top-rated plans · Buy online in minutes · Trusted by thousands of American travelers

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travel_exploreDestinations

What Are the Famous Destinations in the USA?

New York
(National Museum)

California - Los Angeles
(Natural History Museum)

Washington D.C
(Smithsonian)

Texas - Houston
(Museum of Fine Arts)

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Hawaii
(Volcanoes National Park)

Alaska
(Denali National Park Preserve)

Arizona
(Grand Canyon National Park)

Wyoming
(Yellowstone National Park)

California
(Yosemite National Park)

Montana(Lewis & Clark Caverns State Park)

Washington
(Mount Rainier)

Utah
(Zion National Park)

Texas

California

Arizona

Florida

Florida
(Camp Creek Golf club)

Georgia(Augusta)
Forest Hills Golf

Hawaii
(Nanea Golf Club)

California
(CordeValle Golf club)

Castles N' Coasters
(Arizona)

Hersheypark
(Pennsylvania)

H2Oasis Indoor Waterpark
(Alaska)

Six Flag Magic Mountain
(California)

Caesars Palace
(Las Vegas)

Wind Creek Casino
(Alabama)

Casino White Cloud
(Kansas)

Magic City Casino
(Florida-Miami)

The Mall Of America
(Minnesota)

King of Prussia Mall
(Pennsylvania)

South Coast Plaza
(California)

Del Amo Fashion Center
(California)

Mammoth Mountain
(California)

Vail
(Colorado)

Stowe Mountain
(Vermont)

Whiteface – Lake Placid
(New York)

Hotel Del Coronado
(California)

Winnetu Resort
(Massachusetts)

Hawks Cay Resort
(Florida)

Sea Island
(Georgia)