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.Know more
Insuring the cost invested while planning a trip or cruise vacation.
Coverage for medical expenses related to hospitalization, medical evacuation and repatriation.Know more
The plans offer comprehensive major medical coverage in all countries.
Companies send group of five or more employees for a company holiday.
US Senior Citizens and pensioners above 65 years require comprehensive health insurance coverage while outside USA as Medicare doesn't offer full coverage outside US national borders.
These plans are ideal for regular international travelers who make many overseas trips annually. The annual multi-trip 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.Know more
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
The answer to that question is: Do you really have coverage when you are traveling domestically? The ugly truth of today's world is that our domestic insurance plans seem to cover less and less and are more and more expensive. I can only speak for myself, but in my case, me and my family are covered well only in-state. If we travel out of state, the coverage drops to 70% which, to my mind, is crazy un-safe (but that's just me). So, I have purchased a secondary plan which covers me while I am 100 miles or more away from home. This, thankfully, includes most nearby and frequents out-of-state destinations. Now I feel the family can go skiing out-of-state worry free.
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
Americans traveling overseas must be aware that their US domestic health insurance policy rarely travels with them outside the US national borders. International travelers need to buy insurance. Travelers should also be aware of the difference between Travel Insurance and Travel Medical Insurance. Travel insurance will insure the financial investment for the trip which typically includes the cost of lost baggage and cancelled flights. However it may not cover costs for medical expenses that a traveler may incur while abroad.
Travel Medical Insurance on the contrary does cover the costs of medical expenses that the traveler may unexpectedly incur while overseas. Given the high cost of healthcare, proper medical insurance coverage during one's overseas journey is not a luxury but a basic requirement.
Travel medical insurance plans are available as either fixed or comprehensive medical benefit plans. US travelers can choose the type of plan that best fits their needs using the compare tool on our website.
Travel insurance is a great way to protect your investment in travel and/or take care of you and your loved ones while traveling abroad. Many of the domestic US policies will not cover or have limited coverage while abroad. You should definitely check to see what yours will do for you when you travel. The nice part about the travel insurance plans is they are economical and they have literally thought of everything and have experience with just about everything you can imagine. They will not only cover the expenses you may incur in a hospital, but they will also give you a per diem for each day spent in the hospital. Did you know that in some countries, your food is not included in your hospital expense and stay? Also, if you are incapacitated, what about your kids or pets along on the trip? Plans offer an economy fare ticket for someone of your choosing to come to you and get the kids home safely without you. Don't want to be left behind in a foreign hospital? You can arrange for someone of your choosing to come to your bedside until you can return home. Of course, we would rather think about everything going smoothly and well, but a little time and cost can really save the day and help you should you need it!