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Travel Medical Insurance: What to Know

Travel medical insurance provides financial protection while traveling, since many u.s. health insurance policies, including medicare and medicaid, don’t typically cover your medical expenses outside of the country..

Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.

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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated October 12, 2023

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Table of contents

• Travel medical insurance
• What’s covered

Primary coverage

Secondary coverage.

• Medical evacuation
• Comprehensive coverage

Trip cancellation

• Insurance limitations

Though you never plan to have an accident or get sick during a trip, unexpected emergencies happen. Your U.S. health insurance likely won’t cover any visits to the hospital or emergency care in a foreign country. [1] To ensure you have coverage while traveling, you can purchase a stand-alone policy for travel medical insurance.

What is travel medical insurance?

Travel medical insurance can help fill in coverage gaps if you require emergency or routine medical services while traveling overseas. Even if you have international health insurance that includes care when traveling abroad, it won’t always cover the cost of medical treatments such as X-rays, lab tests, or ambulance services in a foreign country.

Travel medical coverage primarily protects you in the event of an emergency, so long-term travelers should look into purchasing a more comprehensive plan. To prevent extensive financial losses while abroad, it’s a good idea to check with your insurance company to see if you and your family members have adequate coverage before you travel.

Before selecting medical insurance coverage, you should compare travel health plans among multiple companies. Some of the best insurers to consider include Blue Shield, Allianz Travel Insurance, American International Group (AIG), HTH Worldwide Travel Insurance, GeoBlue, Generali Global Assistance (GGA), and more.

Does your health insurance plan cover you internationally?

Many health insurance plans, including Medicare and Medicaid, are only valid within the U.S. or your home state. While some employer U.S. health plans or private plans provide international travel insurance, it’s important you read the fine print so you know exactly what your policy covers in case of a medical emergency.

Many health insurance plans with international coverage only pay for emergencies that require immediate medical attention while overseas. For example, your insurance may cover a broken bone or a hospital visit if you’re experiencing chest pains. It likely wouldn’t cover any routine medical care.

What travel medical insurance covers

Travel medical insurance covers the cost of unexpected medical expenses while abroad. If you encounter an unexpected injury or illness, your travel medical insurance will reimburse you up to your plan limit.

You can choose from different types of medical travel insurance plans and add-ons when buying coverage. The best travel insurance for you will depend on factors such as where you intend to travel, for how long, and what you plan to do.

Here are five different types of coverage you may encounter while shopping for travel medical insurance.

The difference between primary and secondary coverage has to do with payment priority. With primary medical travel insurance, the insurance plan will pay your medical costs directly, even if you have another health insurance policy. You’ll file any medical claims directly with the company you bought travel medical insurance from, which can help speed up the payment process. [2]

With secondary medical travel insurance, you’ll need to file a claim with your primary healthcare insurance provider first — even if you don’t think the insurer will provide coverage. If the insurer denies your claim or doesn’t fully cover it, you can then file it with the medical travel insurance company.

Emergency medical evacuation insurance

An emergency evacuation can be very expensive — especially if it’s in a remote area. Medical evacuation insurance can help cover the costs associated with emergency transportation to an adequate treatment facility. It can also cover the costs associated with transporting you back to the U.S.

Comprehensive travel insurance plan

Some comprehensive policies include medical travel insurance and trip-cancellation coverage if you have to cancel your trip due to something such as severe weather or a natural disaster. Many comprehensive plans also cover trip interruption, medical evacuation, travel delay benefits, and baggage delay.

With medical travel insurance, you can often include trip cancellation insurance as an add-on for an additional cost. Trip cancellation insurance covers trip costs, including your flight, cruise, or train tickets, if you can’t go on your trip. It doesn’t cover any medical care you need while traveling. [3]

Limitations of travel medical insurance

Before confirming your travel plans, check with your insurance company to see if the plan has any limitations or exclusions. Travel medical insurance policies often don’t cover medical bills related to the following three situations.

Pre-existing conditions

A pre-existing condition is a medical condition or illness you’ve had for a certain period before purchasing insurance. It’s possible to purchase insurance with pre-existing conditions coverage. The policies are often time-sensitive and only provide coverage if purchased within a certain number of days of the trip deposit — often 14 days.

High-risk activities

If you’re planning to engage in risky activities or extreme sports, such as skydiving or bungee jumping, check if your travel insurance policy excludes the activities. Many insurance plans won’t cover these risky activities. However, you may be able to purchase extreme sports insurance for additional benefits coverage.

Geographic exclusions

Some insurers won’t provide coverage if you travel to a country that the U.S. Department of State has assigned a Level 4 “do not travel” advisory to. [4] Before traveling to a country with a travel advisory, check with your insurance company to see if your coverage applies.

Travel medical insurance FAQs

Before you take off on your next overseas adventure, you should look into buying a travel medical insurance plan, as well as how you can use it if you need it and how it differs from health insurance coverage.

Who should buy travel medical insurance?

Anyone traveling to a country where their health insurance provider doesn’t provide coverage should consider purchasing travel medical insurance. Certain destinations may require you to purchase it when applying for a visa or staying for a certain amount of time, too.

For example, Schengen Area countries in the European Union require people to have travel medical insurance if they apply for a travel visa, which you’ll need if you’re staying for more than 90 days. [5]

How do you use your travel health insurance?

If you have a medical emergency when traveling and need to use your travel health insurance plan, contact your insurance company immediately. Most travel insurance companies have 24/7 customer service hotlines you can contact for help and information. Your insurer can give you step-by-step instructions on what to do depending on your specific situation.

What is travel insurance vs. medical insurance?

The main difference between travel insurance and regular medical plans is travel insurance only covers you during travel. It’s only valid during your trip to protect you against medical emergencies while you’re away from your home country.

What does medical travel insurance cover?

Travel medical insurance can provide coverage if you have an unexpected illness, injury, or other medical emergency during a trip abroad. U.S. health insurance policies don’t usually cover overseas incidents.

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• U.S. Department of State Bureau of Consular Affairs . " Insurance Providers for Overseas Coverage ."
• Allianz Travel . " Primary Insurance Coverage ."
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• U.S. Department of State Bureau of Consular Affairs . " Travel Advisories ."
• U.S. Department of State Bureau of Consular Affairs . " U.S. Travelers in Europe ."

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Why Patients Are Turning to Medical Tourism

Statistics, Benefits, and Risks

Planning Ahead

Frequently asked questions.

Medical tourism is a term that refers to traveling to another country to get a medical or dental procedure. In some instances, medical tourists travel abroad seeking alternative treatments that are not approved in the United States.

Medical tourism is successful for millions of people each year, and it is on the rise for a variety of reasons, including increasing healthcare costs in the United States, lack of health insurance, specialist-driven procedures, high-quality facilities, and the opportunity to travel before or after a medical procedure.

According to a New York Times article from January 2021, pent-up demand for nonessential surgeries, as well as the fact that many Americans lost their health insurance during the coronavirus pandemic led to a surge in medical tourism once other countries re-opened.

However, there are specific risks that come with traveling overseas for surgery. If you're thinking of pursuing a medical procedure in another country, here's what to know about the benefits and the risks.

Medical Tourism Benefits

The most common procedures Americans go abroad for include dental care, cosmetic procedures , fertility treatments, organ transplants , and cancer treatment.

This is not to be confused with having an unplanned procedure in a foreign country due to an unexpected illness or injury.

Among the reasons a person might choose to go abroad for a medical procedure are:

Lower Costs

Medical tourists can save anywhere from 25% to 90% in medical bills, depending on the procedure they get and the country they travel to. There are several factors that play into this:

• The cost of diagnostic testing and medications is particularly expensive in the United States.
• The cost of pre- and post-procedure labor is often dramatically lower overseas. This includes labor costs for nurses , aides, surgeons , pharmacists, physical therapists , and more.
• High cost of malpractice insurance—the insurance that protects medical professionals against lawsuits—in the United States.
• Hospital stays cost far less in many overseas countries compared to the United States. In other words, quality care, hospital meals, and rehabilitation are far more affordable abroad for many people.

For someone who doesn't have insurance , or someone having a procedure that is not covered by insurance , the difference can be enormous.

Popular Countries for Medical Tourism

Dominican Republic

South Korea

Culture and Language

Many immigrants prefer to have treatments and procedures done in their country of origin—a sensible decision, considering just how much language barriers alone can affect the quality of their care.

Furthermore, at least 25% of immigrants and noncitizen residents in the United States are uninsured, compared to 9% of American citizens. Children with at least one noncitizen parent are also more likely to be uninsured.

Practicalities aside, many people choose to have their procedure done in their country of origin simply because it allows them to be close to family, friends, and caretakers who can assist them through their recovery .

Insurance Incentives

Some insurance companies have started promoting medical tourism. The reason behind this is simple: savings for the insured means savings for the insurance provider and vice versa.

Several insurance providers, including Aetna have programs specifically geared at promoting safe medical tourism. Some insurance providers even offer financial incentives for medical tourism, like discounts on medical bills .

That said, many insurance companies will not pay for surgery performed outside of the country unless it is an emergency.

Luxury and Privacy

Medical tourism is a lucrative business for many countries, and much of the money brought in by medical tourists is reinvested into the local economy and health infrastructure.

The effect of this is apparent in the spa-like luxury that some foreign hospitals offer, providing medical tourists the opportunity to be pampered during their stay for a fraction of the cost they would pay at home.

Some facilities offer hospital rooms that are more like a hotel suite than a traditional hospital room. Other hospitals offer one-on-one private nursing care, which is far more generous and attentive than the staffing ratios that most hospitals allow.

Medical tourists who seek that added layer of privacy can find it abroad. Many can return home from their "vacation" without anyone knowing they had a procedure at all.

Vacation in a Foreign Country

Medical tourists often take advantage of their stay in a foreign country to travel for pleasure by scheduling a vacation before or after their procedure.

This is an especially inexpensive way to travel to a foreign country, especially if their insurance provider is paying for the flight and the cost of staying is low. 

While it seems logical to recover on a beach or in a chalet by the mountains, keep in mind that it's important not to jeopardize your recovery.

Swimming isn't recommended until your incisions are completely closed. You may not feel up to doing much more than napping in the days following your procedure, either.

Don't let your vacation disrupt your recovery. Any time you have a procedure done, especially a surgery, it's important to listen to your body, take your medications as directed, and follow your doctor's recommendations closely.

Bypassing Rules and Regulations

Some travelers seek surgery abroad to bypass rules that are set in place by their own government, insurance company , or hospital. These rules are typically in place to protect the patient from harm, so getting around them isn't always the best idea.

For example, a patient may be told that their weight is too low to qualify for weight loss surgery . A surgeon in a foreign country may have a different standard for who qualifies for weight loss surgery, so the patient may qualify overseas for the procedure they want.

Talented Surgeons

Surgeons in certain countries are known for their talent in a specific area of surgery. For example, Brazilian surgeons are often touted for their strong plastic surgery skills .

Whereas in the United States, insurance companies might only cover cosmetic procedures if it is medically necessary, cosmetic surgery is often free or low-cost in Brazil's public hospitals—giving cosmetic surgeons there ample practice.

Thailand is reported to be the primary medical tourism destination for individuals seeking gender reassignment . It is often easier to qualify for surgery and the cost is significantly reduced. Surgeons are performing the procedures frequently, and as a result, many have become quite specialized in them.

It is often surprising to many medical tourists that their physician was trained in the United States. Not all physicians are, of course, but a surprisingly high percentage of them working in surgery abroad are trained in English-speaking medical schools and residency programs and then return to their home country. These physicians often speak multiple languages and may be board certified in their home country and a foreign country, such as the United States.

Medical tourism isn’t limited to countries outside of the United States, either. Many people travel to the United States for medical care due to the country's cutting-edge technology, prescription medication supply, and the general safety of healthcare.

Medical Tourism Risks

The financial and practical benefits of medical tourism are well known, and you may even know someone who had a great experience. Nonetheless, the downsides of medical tourism can be just as great if not greater. Sometimes, they can even be deadly.

If you are considering a trip abroad for your procedure, you should know that medical tourism isn't entirely without obstacle and risks. These include:

Poorly Trained Surgeons

In any country—the United States included—there will be good surgeons and bad. And just as there are great surgeons abroad, there are also some surgeons who are less talented, less trained, and less experienced.

Regardless of what procedure you are getting or where, you should always do some preliminary research into the surgeon or physician who will be treating you as well as the hospital you will be treated at.

In the United States, it is fairly easy to obtain information about malpractice lawsuits , sanctions by medical boards, and other disciplinary actions against a physician.

Performing this research from afar can be challenging, especially if you don't speak the local language. Yet countless people take the risk anyway, without knowing whether the physicians who will treat them are reputable.

A physician should be trained in the specific area of medicine that is appropriate for your procedure. For example, you should not be having plastic surgery from a surgeon who was trained to be a heart doctor. It isn’t good enough to be a physician, the physician must be trained in the specialty .

Prior to agreeing to surgery, you should also know your surgeon’s credentials : where they studied, where they trained, and in what specialty(s) they are board-certified. Do not rely on testimonials from previous patients; these are easily made up for a website and even if they are correct, one good surgery doesn’t mean they will all be successful.

Quality of Staff

Nurses are a very important part of healthcare, and the care they provide can mean the difference between a great outcome and a terrible one.

A well-trained nurse can identify a potential problem and fix it before it truly becomes an issue. A poorly trained nurse may not identify a problem until it is too late. The quality of the nursing staff will have a direct impact on your care.

Once again, it's important to research the hospital staff where you will be having your procedure done. Read the reviews but don't trust them blindly. If you can, seek out a recommendation from someone who can vouch for the medical staff where you will be going.

Quality of the Facility

While researching healthcare facilities for your procedure, you want to learn not just about the quality of the facilities themselves, but about the country's healthcare system as a whole.

In some countries, there is a marked distinction between public hospitals and private hospitals. In Turkey, for example, private hospitals are considered on-par with hospitals in the states, while many locals will advise you to steer clear of public hospitals if you can.

You will also want to seek out facilities that are internationally accredited. In the United States, the Joint Commission evaluates hospitals and certifies those that provide safe, quality care. The international division does the same for hospitals outside the United States.

Once you have a few options for potential facilities, you can start to investigate specifics. For one, you should find as many pictures and reviews of the facility as you can. Ask yourself whether the facility is state of the art or whether it seems dirty and outdated.

You will also need to find out if the facility has ICU level care available, in case something goes wrong. If not, there should be a major hospital nearby so that you can be transferred quickly.

To learn more about a healthcare facility, consider joining expat groups on social media for the city or country you will be traveling to. Ask the group for recommendations, or inquire about any positive or negative experiences they may have had at a particular facility.

Flying Home After Surgery

Any surgery comes with risks, including infection and blood clots . Flying home increases the risk of blood clots, especially on long-haul flights that are longer than four hours.

Try to avoid flying home in the days immediately after surgery; waiting a week will decrease the chances of developing a blood clot or another serious complication during the flight.

For longer flights, plan on getting up and walking up and down the aisles each hour to improve blood flow in your legs. You might also benefit from wearing compression socks with your doctor's approval.

If you are taking blood thinners or are at-risk of blood clots , be sure to talk to your doctor about how you can reduce your risk of blood clots after your procedure and while traveling.

Furthermore, you should know the symptoms of blood clots and stay alert.

Unplanned Illness

Any time you travel abroad, you run the risk of catching an illness that you have never been exposed to or that your body is not prepared to fight off. This is especially a concern when spending time in a foreign hospital.

If you have a sensitive stomach, you may also want to think long and hard about having surgery abroad. The food is often very different in foreign hospitals, and in some areas, there is a risk that even the water will be upsetting to your body.

Having diarrhea or postoperative nausea and vomiting makes for a miserable recovery experience, especially if you do not have a friend or family member nearby who can help you through it.

Before you travel abroad, check with your doctor to see if you need any vaccines to travel to your destination or if there are any foreign illnesses you should be aware of. Picking up an illness abroad, particularly after your surgery, can potentially be life-threatening.

Language Barriers

If you are having surgery in a country where English is not the primary language, you will need to make preparations in order to be able to communicate with the staff.

You may be pleasantly surprised to learn that the staff speaks your primary language well. If not, then you will need to consider how you will make your wishes and needs known to the surgeon, the staff, and others you will meet.

Whether you are at home or abroad, remember to speak up and advocate for yourself to make sure your needs are met. If you don't speak the local language, download a language translation app on your smartphone and don't hesitate to use it to communicate your needs. Hiring a translator is another option.

A Word About Transplant Tourism

Transplant tourism is one area of medical tourism that is strongly discouraged by organ and tissue transplant professionals in multiple countries. Most international transplants are considered “black market” surgeries that are not only poor in quality, but ethically and morally wrong.

China, for example, the country that is believed to perform more international kidney transplants than any other country, is widely believed to take organs from political prisoners after their execution.

In India, living donors are often promised large sums of money for their kidney donation, only to find out they have been scammed and never receive payment. Selling an organ in India is illegal, as it is in most areas of the world, so there is little recourse for the donor.

Then there is the final outcome: how well the organ works after the surgery is complete. With black market transplants, less care is often taken with matching the donor and recipient, which leads to high levels of rejection and a greater risk of death. Furthermore, the new organ may not have been screened for diseases such as cytomegalovirus , tuberculosis , hepatitis B , and hepatitis C . It is often the new disease that leads to death, rather than the organ rejection itself.

Finally, transplant surgeons are often reluctant to care for a patient who intentionally circumvented the donor process in the United States and received their transplant from an unknown physician.

It is important to arrange your follow-up care prior to leaving your home country.

Many physicians and surgeons are hesitant to take care of a patient who received care outside the country, as they are often unfamiliar with medical tourism and have concerns about the quality of care overseas.

Arranging for follow-up care before you leave will make it easier to transition to care at home without the stress of trying to find a physician after surgery .

Just be sure to inform your follow-up care physician where you are having your procedure done. After you return, they will also want to know what prescription medications you were given, if any.

What are popular countries for medical tourism? 

Mexico, India, Costa Rica, Turkey, Singapore, Canada, and Thailand are among the many countries that are popular for medical tourism.

How safe is medical tourism?

Medical tourism is generally considered safe, but it's critical to research the quality of care, physician training, and surgical specialties of each country. There are several medical tourism organizations that specialize in evaluating popular destinations for this purpose.

What countries have free healthcare? 

Countries with free healthcare include England, Canada, Thailand, Mexico, India, Sweden, South Korea, Israel, and many others.

A Word From Verywell

If you are considering medical tourism, discuss the risks and benefits with your doctor, and consider working with your insurance provider to arrange a trip that balances financial savings with safety. (Also, before you embark on a trip overseas for your procedure, make sure you are financially prepared for unexpected events and emergencies. Don't go abroad if you don't have enough money to get yourself home in a crisis.)

A medical tourism organization such as Patients Without Borders can help you evaluate the quality and trustworthiness of healthcare in various countries. Making sure a high level of care is readily available will lead to a safer, more relaxing experience.

Centers For Disease Control and Prevention. Medical Tourism: Getting medical care in another country . Updated October 23, 2017.

University of the Incarnate Word. Center for Medical Tourism Research .

Patients Beyond Borders. Facts and figures .

Kaiser Family Foundation. Health coverage of immigrants . Published July 2021.

Paul DP 3rd, Barker T, Watts AL, Messinger A, Coustasse A. Insurance companies adapting to trends by adopting medical tourism . Health Care Manag (Frederick). 2017 Oct/Dec;36(4):326-333. doi: 10.1097/HCM.0000000000000179

Batista BN. State of plastic surgery in Brazil .  Plast Reconstr Surg Glob Open . 2017 Dec;5(12):1627. doi:10.1097/GOX.0000000000001627

Johns Hopkins Bloomberg School of Public Health - Global Health Now. Brazilians' risky right to beauty . Published May 2018.

Chokrungvaranont P, Selvaggi G, Jindarak S, et al. The development of sex reassignment surgery in Thailand: a social perspective .  Sci World J . 2014 Mar;2014(1):1-5. doi:10.1155/2014/182981

The Joint Commission. For consumers .

Centers for Disease Control and Prevention. Blood clots and travel: what you need to know . Reviewed February 2021.

Hurley R. China harvested organs from political prisoners on substantial scale, says tribunal . BMJ . 2018 Dec;363(1):5250. doi:10.1136/bmj.k5250

Ambagtsheer F, Van Balen L. I'm not Sherlock Holmes: suspicions, secrecy, and silence of transplant professionals in the human organ trade . Euro J Criminol . 2019 Jan;17(6):764-783. doi:10.1177/1477370818825331

Centers for Disease Control and Prevention. Transplant Surgery. Key facts . Reviewed January 2019.

By Jennifer Whitlock, RN, MSN, FN Jennifer Whitlock, RN, MSN, FNP-C, is a board-certified family nurse practitioner. She has experience in primary care and hospital medicine.

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A guide to medical travel insurance (medical tourism insurance)

Insurance for medical travellers is a developing area within medical tourism. New medical travel insurance products have begun to appear. Many are aimed either at UK or US based medical travellers. We provide an overview of those products that are widely available to people travelling for treatment. Other products are on offer or are being developed which are only available from the medical tourism agency or hospital that you book with. Some medical tourism agencies and hospitals offer their own cost-over run insurance.

Our guide to medical travel insurance helps the medical tourist to understand why they need specialist travel insurance if they are travelling abroad for treatment. Medical travel insurance is travel insurance designed for the specific requirements and risks of medical travellers.

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In this section...

• Am I covered by my dental insurance?
• Am I covered by my international health insurance?
• Am I covered by my private medical insurance?
• Am I covered by my travel insurance?
• Can I buy cost overrun insurance?
• Can I buy medical malpractice insurance?
• Do I need medical travel insurance?
• Insurance products
• Medical complication insurance
• Protecting against medical negligence
• What to watch out for
• Medical travel insurance companies
• Overview of medical travel insurance

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Emergency Medical Information for Travelers

When you fall ill or become injured far from home, you may feel frightened, helpless and overwhelmed. We're here to help. Here's what you need to know about staying healthy and getting emergency care overseas.

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Getting sick or injured on an international trip is a traveler's worst nightmare. Not only does a medical emergency completely derail your vacation plans, but it's stressful, too. How will you find a doctor? Can the local hospital provide high-quality health care? How much will treatment cost?

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Medical Tourism: Travel to Another Country for Medical Care

Traveling to another country to get medical care can be risky. Learn about the risks and how to minimize them.

Traveling Internationally for Medical Care

Each year, millions of US residents travel to another country for medical care which is called medical tourism. Medical tourists from the United States most commonly travel to Mexico and Canada, and to several other countries in Central America, South America, and the Caribbean.

The reasons people may seek medical care in another country include:

• Cost: To get a treatment or procedure that may be cheaper in another country
• Culture: To receive care from a clinician who shares the traveler’s culture and language
• Unavailable or unapproved procedures: To get a procedure or therapy that is not available or approved in the United States

The most common procedures that people undergo on medical tourism trips include dental care, cosmetic surgery, fertility treatments, organ and tissue transplantation, and cancer treatment.

Medical Tourism Can Be Risky

The risk of complications depends on the destination, the facility where the procedure is being performed, and whether the traveler is in good health for the procedure(s). Other issues that can increase a traveler’s risk of complications include:

Infectious Diseases.  All medical procedures have some risk of infection. Complications from procedures performed in other countries include wound infections, bloodstream infections, donor-derived infections (in the case of transplantations or transfusions), and diseases such as hepatitis B, hepatitis C, and HIV.

Antimicrobial resistance.   Highly drug-resistant bacteria and fungi have caused disease outbreaks among medical tourists. Antimicrobial resistance happens when germs develop the ability to not respond to drugs such as antibiotics used to treat infections. Antimicrobial resistance is a global problem. Healthcare facilities in another country may not have adequate infection control practices and medical tourists could be at risk for getting a drug-resistant infection.

Quality of Care. Some countries’ requirements for maintaining licensure, credentialing, and accreditation may also be less than what would be required in the United States. In some countries, counterfeit medicines and lower quality medical devices may be used.

Communication challenges. Communicating with staff at the destination and healthcare facility may be challenging. Receiving care at a facility where you do not speak the language fluently could lead to misunderstandings about your care.

Air Travel.  Flying after surgery can increase the risk for blood clots, including  deep vein thrombosis . Delaying air travel for 10-14 days following major surgeries, particularly those involving the chest, will minimize risks associated with changes in atmospheric pressure.

Continuity of Care.  Travelers may need to get health care in the United States if they develop complications after returning. Follow-up care for complications might be expensive. Treatment might be prolonged and might not be covered by your health insurance.

How You Can Minimize Medical Tourism Risks

Research the clinician and facility.

• Check the qualifications of the clinician who will be doing the procedure and the credentials of the facility where the procedure will be done. Accrediting groups, including Joint Commission International, DNV GL International Accreditation for Hospitals, and the International Society for Quality in Healthcare, have lists of standards that healthcare facilities need to meet to be accredited. Please note that all surgeries carry the risk of complications and accreditation does not guarantee a positive outcome.
• If you go to a country where you do not speak the language, determine ahead of time how you will communicate with your clinician and others who will be caring for you.

Before you travel

• Get a pretravel consultation. See your healthcare provider or a travel medicine clinician at least 4–6 weeks before the trip to discuss general information for healthy travel and learn about specific risks you may face because of your health status, the procedure, and travel before and after the procedure.
• Obtain international  travel health insurance  that covers medical evacuation back to the United States.
• Find out what activities are not recommended around the time of the medical procedure, such as swimming or hiking, and plan accordingly.

Maintain your health and medical records

• Bring copies of your medical records with you, including results of lab tests and other tests related to your condition and care. Inform the medical staff at your destination of allergies you may have.
• Pack a  travel health kit  with your prescription and over-the-counter medicines in their original packaging. Bring enough medicine to last your whole trip, plus a little extra in case of delays. Also, bring copies of all your prescriptions and a list of medications you take, including their brand names, generic names, manufacturers, and dosages.
• Get copies of all your medical records from the medical facility at your destination before you return home. You may need to get them translated into English.

Arrange for follow-up care before you travel

• Identify where you will be staying immediately after the procedure.
• Make sure you can get any needed follow-up care in the United States. Follow-up care for medical complications can be expensive and might not be covered by your health insurance. Travelers considering procedures outside the United States should understand the potential financial costs associated with follow-up care or emergency care in the event of complications, review their health insurance policies to determine what, if anything, is covered and plan for the possibility of paying for additional care out-of-pocket.
• Supplemental travel health insurance may also be available to cover follow-up or emergency care from procedures received abroad.

Related Resources

• CDC Yellow Book: Medical Tourism
• American Medical Association Ethical Guidance on Medical Tourism
• Organization for Safety, Asepsis, & Prevention's Traveler’s Guide to Safe Dental Care
• The International Society of Aesthetic Plastic Surgery guidelines for travelers
• International Travel (US Department of State)
• Your Health Abroad (US Department of State)

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Search Smartraveller

Going overseas for a medical procedure (medical tourism).

This page is for Australians planning to travel overseas for a medical procedure. 

Explore this page to learn about: 

• what is medical tourism?  
• what to think about before travelling for a medical procedure  
• the cost of medical treatment overseas
• insurance and medical tourism
• consular services and medical tourism

What is medical tourism? 

Medical tourism is when you go overseas for medical treatment. 

Many Australians travel overseas for health care to save money. Some go for treatments that are unavailable in Australia. 

The most common procedures Australians go overseas for are: 

• cosmetic surgery 
• dentistry 
• heart surgery 
• fertility treatments 
• surrogacy  
• gender affirming surgery  
• stem-cell therapy 
• cancer treatments. 

What to think about before travelling for a medical procedure 

Before you go, research the  destination , doctor, hospital and procedure. This helps you reduce the risk of things going wrong. 

Talk to your doctor in Australia about your plans. Ask for their advice. Get a health check at least 6 weeks before you go. Make sure you've got appropriate  vaccinations . 

Choosing a destination 

Research the health system of your destination. The quality of care may not be what you're used to in Australia. 

• Read  your destination's travel advisory . See the 'Health' section for advice about local healthcare. 
• Minimum healthcare standards in some countries can be low. Standards can differ between regions, hospitals, and medical professionals within a country. 
• Learn about your legal rights in your destination. Find out if you can take legal action against the hospital and surgeon if things go wrong. 

Choosing a hospital 

Many hospitals overseas are a similar standard to hospitals in Australia. But quality and standards in some countries can be poor. Some may have low training standards for doctors and nurses. Others may have high rates of infection and complications. 

• Find out if the hospital is accredited by the local authorities. Don't go to an unofficial medical facility. 
• See if there are reports of antibiotic-resistant bacteria in the hospital. These infections may not be treatable. 
• Compare the complication risks they give you to those mentioned in Australia. Be wary if a hospital overseas suggests much lower risks. 

Choosing a doctor 

Check if the surgeon who will do your procedure is qualified and accredited. Most countries have this information on an official website. 

• Find out the reputation of the doctor and the experiences of past patients. 
• In some countries, doctors and hospitals don't have to get professional insurance. Make sure your surgeon and hospital have indemnity and malpractice insurance. 

Preparing for if things don't go to plan 

There are always risks with medical procedures. You could suffer from complications, or  you could die . Even if you're young, fit and healthy. 

• Take someone with you. You'll need their support if things go wrong. They may need to make decisions for you. 
• Make sure your will is up to date. 

If your procedure goes wrong, you may end up with a new or worse problem. It could cost more to fix it. Make sure your travel insurance covers complications and medical evacuation. 

The cost of medical treatment overseas 

In some countries, elective procedures can cost much less than in Australia. But make sure you consider all possible costs. 

• If you have a complication during or after the procedure, you may have to pay more to fix it. Make sure your estimate also covers this. 
• Your travel insurance may not cover issues caused by your procedure. Check your policy. 

You're responsible for the cost of your treatment overseas. You, your family or your travel insurer will have to pay if you need further care or a medical evacuation. 

• Medicare doesn't cover you when you're overseas. 
• Reciprocal health care agreements  only cover some situations in some countries. 
• You're not likely to get subsidised care through your destination's public health system. 

The Australian government can't pay your bills or loan you money. 

Medical tourism and insurance 

Basic travel insurance policies rarely cover medical tourism. Get a specialised policy that covers the costs of your specific procedure. Some offer this as a paid extra on their policies. 

Ask your insurer about: 

• post-operative care 
• complications 
• medical evacuation. 

Be open about your plans. You may void your policy if you don't tell them everything. 

Know what you're covered for and what's excluded. Always read the Product Disclosure Statement (PDS). 

Learn more about  medical tourism and insurance  from the Better Health Channel. Also, read our  general advice about travel insurance . 

Australian private health insurance for medical tourism 

Some private health insurers in Australia have arrangements with hospitals overseas. They may give you the option to have a medical procedure overseas. Some may cover your travel expenses and medical fees. They may help organise your trip. 

Tell them about your plans. Ask your insurer if they: 

• will cover your procedure and travel costs 
• have a list of hospitals and surgeons overseas that they endorse 
• offer a travel insurance policy that covers you if things go wrong with your procedure. 

Even if your health insurer won't cover you, always tell them about your plans. If you don't, you may void your insurance policy if you suffer a complication. 

Consular services and medical tourism 

Understand when and how we can support Australians overseas. Read the  Consular Services Charter . 

What we can do 

• We can  contact your family in Australia with your permission. 
• We can  give you a list of local hospitals and doctors who speak English. 
• We can  give you a list of local lawyers who speak English. 

What we can't do 

• We can't  pay your medical expenses, evacuation, or legal costs. 
• We can't  get you out of trouble or jail if you can't pay your bill. 
• We can't  represent you in legal cases or intervene in local legal processes. 
• We can't  recommend hospitals or surgeons for your procedure. 

Read more 

• Read our  advice about going overseas for an organ transplant . 
• Read the travel advice for your destination . Understand what each  advice level  means. 
• Read general advice about  vaccinations and preventative health . 
• Learn more about choosing the right  travel insurance . 
• Understand  what happens if you die  overseas. 
• Learn how to get medical help overseas . 

See also 

• Read the suite of  travel health information  (Department of Health and Aged Care). 
• Read about  medical tourism  (United States Government). 

Related content

Many countries don't have the same access, services or support for people with disabilities as Australia. Learn more about travelling with a disability.

When you go overseas, you may be exposed to a range of infectious diseases. Before you go, learn about the health risks in your destination and see your doctor.

Read our general advice for Australians planning to travel overseas with medications or medical equipment.

Medical complication coverage and insurance for international patients, employers, facilitators, and hospitals.

Review Us On:

[email protected]

(803) 799-1770

(888) 799-1770

Toll Free USA & Canada

Frequently Asked Questions 

About medical tourism insurance, what is global protective solutions (℠) (gps) medical tourism insurance.

Established in 2008, Global Protective Solutions℠ programs were designed specifically for the international medical travel (medical tourism) industry. Custom Assurance Placements, Ltd. is a US-based insurance broker that provides, creates, and administrates the programs.  GPS contains a number of programs that offer specific solutions to various entities. These include benefits and services for individual medical travelers, customized group programs for medical travel case managers and facilitators, and a host of specialty insurance coverage options for self-funded employers who offer international medical travel benefits within their medical plans for their employees.

International medical travel (medical tourism) requires unique and specialized protection, which standard travel insurance policies usually exclude or do not address. One of the Global Protective Solutions programs was specifically designed to address these shortfalls worldwide and on an affordable basis. The benefits encompass everyday travel-related activities and wide-ranging benefits if an insured experiences a complication related to an approved elective procedure or treatment.  These programs were designed to address the potential financial costs of accidental medical complications or other travel-related accidents or illness expenses that may occur. Coverage is available to nearly all international medical travelers seeking treatments outside their country of residency or citizenship.

What is Medical Travel or Medical Tourism?

Medical travel (medical tourism, health tourism, destination healthcare, or global healthcare) is usually considered the practice of traveling outside a person's home country to receive elective medical or dental procedures. The most common medical tourists travel to access high-quality providers that offer quick availability or treatment that is not available in their home country. Oftentimes, a medical traveler can save significant costs by accessing care abroad. Wellness tourism is another facet of travel that promotes health and well-being through supervised physical and spiritual activities. Additionally, some large self-funded companies have implemented a voluntary medical travel benefit option to help lower overall medical care costs within their employee health plans.

I do not live in the United States. Can I obtain the benefits and services of the GPS programs?

In nearly all cases, medical travel is a global activity. In fact, the travel and complications product is the only worldwide option for benefits and services to address the needs of international medical travelers.

Is Medical Travel Safe?

Undergoing any procedure or treatment carries certain known and unknown risks, no matter where you receive care. Pre-trip planning and review of your current health condition can help mitigate unintended risks.  Further, it is essential and a "best practice" to use credible and well-established medical travel facilitators or case managers. They will typically require the use of internationally accredited facilities and board-certified providers.

Is an accreditation required to use the benefits and services of Global Protective Solutions (GPS)?

The treating facility must be duly qualified by the jurisdiction where it is located and/or possessing an international accreditation from an ISQua member organization or other recognized international accrediting body. International Society for Quality in Health Care – (ISQua) https://www.isqua.org

What must I know about the travel accident and complications services and benefits?

Travel and complication services and benefits were developed exclusively for the medical traveler and enrolled travel companions. Specifically, the various travel and complication benefits reimburse insureds for certain approved incurred costs associated with medical complications that may arise from a procedure or an accidental injury/illness while traveling for an approved medical procedure.

Additional services include:

• 24/7/365 Medical emergency assistance services
• Crisis management services
• Expatriate prescription services
• Country and travel information services
• Customized benefits for specific needs; just ask.

Please refer to a full listing of services at GPS Insurance and Services and your specific coverage summary for the benefit details.

Is GPS an insurance company?

GPS is not an insurance company but rather the product name for a host of services and benefits provided to the medical tourism industry. GPS programs are created and administered by Custom Assurance Placements, Ltd. (CAP) to provide various risk mitigation solutions for the medical travel/tourism industry. If you need a solution or insurance product, we do not currently have, just ask us, and CAP can help customize one for you.

Who is Custom Assurance Placements, Ltd.?

Custom Assurance Placements (CAP) is a US-based insurance broker. CAP created and is the administrator of the Global Protective Solutions programs.

What makes the accident and complication benefits different from other travel medical insurance plans?

In addition to insureds receiving regular travel accident benefits, cover has been enhanced to include additional benefits for medical complications for up to 6 months after the initial procedure.  Nearly all standard travel insurance policies exclude the activity of travel related to receiving elective, scheduled medical, or dental procedures/treatments. Thus, these policies are not sufficient for the medical traveler.

What happens if I have a travel emergency or medical complication abroad?

Provisions have been made for comprehensive 24-hour emergency travel assistance by simply calling the telephone numbers provided on the issued ID Card.  These services are to be used when an insured requires emergency assistance services during their travel or has the need to file an immediate claim.

Emergency Assistance / Claims Manager:

IM Global Claims

3rd Floor, Fitzalan House

Fitzalan Court, Cardiff CF24 OEL United Kingdom

UK Telephone: +44 2920 662423

US Telephone: +1 (463)276-5263

(International access and charges may apply)

EMERGENCY ASSISTANCE: [email protected]

GENERAL CLAIMS: [email protected]

As soon as practical, notify the claims manager

Seek emergency care at a duly qualified facility so as not to further the complication.

Provide authorization for needed medical records to the claim manager to assess the claim.

Seek pre-approval for non-emergent care to avoid a reduction in benefits.

TO USE THIS SERVICE, IDENTIFY THE POLICY ID NUMBER AND/OR GROUP NAME ON YOUR ID CARD.

Please review your coverage confirmation documents once enrolled and see the section "How to file a claim" for details.

Will benefits pay for my procedure?

We do not provide benefits to cover elective procedures, and the coverage is not meant to cover any medical expenses related to the initial procedure.  The travel accident and complications benefits provide for unexpected travel accidents and medical complications of the original surgery that was elected and paid for by you.

Will benefits pay for medically necessary treatment of a complication in another (host) country once I return home?

Yes, eligible medical expenses and other claimable costs are not limited to a specific country that is eligible for reimbursement. Care for covered complications can occur as a result of the complication from your approved procedure, even if the costs occur in your home country up to 180 days past the procedure date or if warranted in the original treating country. However, you may elect to remove home country coverage at enrolment. If elected, you will be covered for a complication only whilst outside of your home country and for the period between your departure and return date indicated when you enrolled in benefits.

Please note any OFAC-sanctioned country expenses are not eligible for claim payment, and therefore, people traveling to or from any sanctioned country cannot enroll in benefits.

Benefits are secondary to any and all collectible insurance.

What if I am not satisfied with the outcome of my procedure?

The benefits do not provide a guarantee of workmanship or a guarantee of satisfaction with the aesthetic results. Further, we do not guarantee the successful outcome of a correcting procedure. A covered complication is a separate medical diagnosis as a result of the procedure, such as an infection. For specifics, please refer to your confirmed coverage limits and overview of benefits once you have enrolled.

Do the benefits and services for travel accidents and complications include benefits for follow-up care after a procedure?

Follow-up care should be planned well in advance and before you finalize your medical trip, follow-up care is often necessary. It also helps lessen the occurrence of post-surgical complications.  Normal follow-up care, which is not the result of a covered complication, is not included, nor is it claimable. Additionally, there are no benefits for the patient's failure to follow pre- and post-operative medical instructions.

Can my travel companion obtain travel benefits?

Yes, your travel companion can be included at the time of enrolment for benefits for travel-related accidents. Typically, it is recommended that travelers on the same trip have the same coverage. This helps in the case of an accident where both parties may be involved. It can help make claim assistance easier when coordinating with one provider.

How do I enroll in travel and complications coverage?

Individual participants can submit an application for enrolment online.  Once the application has been reviewed and approved, you will receive an approval notification with instructions on how to submit a secure payment.  Once payment is verified, you will immediately receive confirmation of insurance and services and your ID Card.

This FAQ is meant as a general overview of Global Protective Solutions services and benefits and is not meant to describe benefit details or specifics. Please refer to your confirmed coverage documents for specific coverage details.

Can facilitators offer this coverage?

Yes. Facilitators can offer our program on a blanket (group) or voluntary basis, and we can customize the benefits specifically for your clients.

Why should I buy a complication insurance policy?

People travel abroad for medical treatment mainly for quality of care and financial savings. Purchasing a medical complications plan will help mitigate the expenses that may result from an unexpected medical complication from your procedure.

Who can purchase the policy?

Our medical complications insurance policy is available to anyone traveling outside of their home country to have a medical procedure. Certain age, citizenship, and procedure restrictions apply. However, our programs are available worldwide. You do not have to be a United States citizen to apply.

Can I buy standard travel insurance?

Standard trip or travel medical insurance policies do not provide coverage if you are traveling to obtain medical treatment. These types of insurance are not specifically designed for medical tourism. Please check the exclusions of a standard travel accident policy, as most have an exclusion if you are traveling for the purpose of receiving medical care. We recommend a program that is specifically tailored for medical tourism.

What does your policy cover?

In addition to medical complications, benefits include Accidental Death & Dismemberment, Additional Travel Costs, Emergency Evacuation, Repatriation, 24-hour assistance, baggage, trip cancellation, travel delay, and much more. Please refer to your specific coverage summary to review your chosen benefits. You can always contact us with any questions.

How long is my coverage benefit period?

For the medical travel and complications program, the standard benefit period for covered complications is up to 180 days after your medical procedure. Unless you are participating in a customized product through your hospital or facilitator, the benefits may differ for that specific program.

Who is the insurance carrier?

We have access to many carriers for different policies. Depending on the type of coverage you need, we will find the best carrier or program for you.

We represent Ironshore and certain Underwriters at Lloyds, AIG, IMG, and many other multinational A-rated insurance companies.

Please ask for the details of the specific carrier for your customized placement.

Where can I have a corrective procedure?

If you have a medical complication due to an approved medical tourism procedure, and the complication results in medically necessary treatment, your coverage will provide benefits for up to six months past the procedure date. You may receive treatment locally or return back to your original treatment facility.

Can you cover my travel companion who is accompanying me on my trip?

Companion coverage can be included when enrolling in benefits. We actually suggest the companion obtain coverage from the same program. If there is a travel accident where you both are involved, such as a taxi accident, you will only have to call and coordinate with one assistance service.

Can hospitals offer this coverage?

Yes. Hospitals in nearly any country that receives international patients can offer the program on a blanket (group) or voluntary basis. Please contact us at [email protected] for specific options for your facility.

Can this program be implemented into an employer's self-funded health plan?

Yes. Group plans are available at an affordable per member per month rate or per trip rate and can also include leisure and business travel benefits. We also have a program that can reduce the self-funded limit of the employer when utilizing the medical tourism benefits overseas.

Have more questions? Contact our team at +1 (803) 799-1770 or email us [email protected] today to learn more!

Contact Information

Phone: +1 (803) 799-1770

Email: [email protected]

2700 Middleburg Drive, Suite 219 B

Columbia, South Carolina 29204 , United States

Business Hours

Eastern Time 

Wire Funds Also Accepted. 

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Travel insurance

Best travel insurance companies of June 2024

Amy Fontinelle

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 2:16 p.m. UTC June 7, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best travel insurance company of 2024 , based on our in-depth analysis of travel insurance policies. Its Atlas Journey Elevate plan gets the top score in our rating because of the extensive coverage it provides for the price. It offers best-in-class emergency medical and evacuation benefits, as well as high limits for baggage insurance.

Best travel insurance of 2024

• WorldTrips : Best travel insurance.
• Travel Insured International : Best for emergency evacuation.
• TravelSafe : Best for missed connections.
• Aegis : Cheapest travel insurance.
• Travelex : Best for families.
• AIG : Best for add-on coverage options.
• Nationwide : Best for cruise itinerary changes.

Why trust our travel insurance experts

Our travel insurance experts evaluate hundreds of insurance products and analyze thousands of data points to help you find the best trip insurance for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best travel insurance companies

Best travel insurance.

Top travel insurance plans

Average cost, medical limit per person, why it’s the best.

If you’re looking for the best travel insurance for international travel , WorldTrips’ Atlas Journey Elevate plan gives you $250,000 in travel medical insurance with primary coverage. This plan is a good option if health insurance for international travel is a priority. It also has $1 million in emergency evacuation coverage. 

See our full WorldTrips travel insurance review .

Pros and cons

• $250,000 in primary medical coverage.
• $1 million per person in medical evacuation coverage.
• Primary damage or loss baggage coverage of $500 per item, up to $2,500.
• 5 optional upgrades, including pet care, adventure sports and rental car damage and theft.
• No non-medical evacuation coverage.

Customer reviews

WorldTrips has a rating of 4.27 stars out of 5 on Squaremouth, based on 428 reviews of policies purchased through the travel insurance comparison site since 2008. 

Heidi’s expert take:   “WorldTrips offers primary coverage for emergency medical expense and for baggage damage or loss. This means the insurer will pay for your claim first and then seek recovery from any responsible third party, such as your health insurance provider, airline or homeowners insurance company (if your belongings are stolen). Travel insurance with secondary medical coverage might be cheaper, but then you’d have to file claims with third parties yourself, before you could turn to your travel insurance for help.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for emergency evacuation

Travel insured international.

Top travel insurance plan

If you’re traveling to a remote area, consider Travel Insured International’s Worldwide Trip Protector. It has the best travel insurance for emergency evacuation of travel insurance policies in our rating. This top travel insurance plan provides up to $1 million in emergency evacuation coverage per person and $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits.

• Only plan in our rating that offers $150,000 in non-medical evacuation coverage.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person is only available for cruises and tours.

Travel Insured International has a rating of 4.39 stars out of 5 on Squaremouth, based on 3,402 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “The Worldwide Trip Protector plan provides rare non-medical evacuation benefits of up to $150,000. If you’re traveling to an area at risk of a political, security or national disaster, this emergency evacuation coverage could help get you back to safety.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for missed connections

TravelSafe offers good travel insurance for missed connections , with $2,500 in missed connection coverage for each person on the plan.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of our best-rated travel insurance plans.
• No “interruption for any reason” coverage option.
• Weak baggage delay coverage of $250 per person after 12 hours.

TravelSafe has a rating of 4.3 stars out of 5 on Squaremouth, based on 1,506 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you miss out on prepaid vacation plans because you didn’t make a connecting flight, you’ll be glad for the $2,500 missed connection coverage. Some policies only provide missed connection coverage for cruises and tours, but TravelSafe Classic doesn’t impose that restriction.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Cheapest travel insurance

Go Ready Choice by Aegis has the most affordable travel insurance of the best-rated travel insurance companies in our rating. This is based on the average cost of seven international trips of varying lengths and values for travelers of different ages.

See our full Aegis travel insurance review .

• Cheapest of our best trip insurance plans.
• Pet care benefit of $500 under travel delay benefits.
• Low emergency medical and evacuation limits.
• Low missed connection benefit of $500 per person for cruises and tours only.
• Low baggage and personal items loss benefit of $500 per person.

Aegis has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,111 reviews of policies purchased on the travel insurance comparison site since 2013.

Heidi’s expert take:   “If you’re looking for a  budget travel insurance policy , Go Ready Choice may fit the bill. It has comparably low coverage limits, but if you have health insurance that will cover you on your trip, its $50,000 in secondary medical coverage may be sufficient.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for families

Top-scoring plan

Travelex Insurance Services has the best travel insurance for families because you can add kids aged 17 and younger to your Travel Select plan at no additional charge.

See our full Travelex travel insurance review .

• Free coverage for children 17 and under on the same policy.
• Robust travel delay coverage of $2,000 per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Low emergency medical coverage of $50,000 per person.
• Non-medical evacuation is not included.
• Low baggage delay coverage of $200 requires a 12-hour delay.

Travelex has a rating of 4.43 stars out of 5 on Squaremouth, based on 2,048 reviews of policies purchased on the travel insurance comparison site since 2004.

Heidi’s expert take:   “If you’re traveling with kids, a Travelex policy will cover them, too. The number of children you can add to your policy is unlimited and they’ll get travel protection at no additional cost.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for add-on coverage options

Travel Guard Preferred from AIG allows you to customize your policy with a host of available upgrades, making it the best traveler insurance for add-on options . These include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings.

There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million. This is a good option if you’re looking for foreign travel health insurance.

See our full AIG travel insurance review .

• Bundle upgrades allow you to customize your travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Heidi’s expert take: “You can add riders to your AIG travel insurance policy to maximize your coverage. Choose from these bundles: adventure sports, medical, pet, quarantine, security and wedding. You may also want to add “cancel for any reason” coverage and rental vehicle damage coverage.”  Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Best travel insurance for cruise itinerary changes

Nationwide’s Choice Cruise is good travel insurance for cruises . It has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion.

Choice Cruise also has a missed connections benefit of $1,500 per person after only a 3-hour delay when you’re taking a cruise or tour. But note that this coverage is secondary coverage to any compensation provided by a common carrier.

See our full Nationwide travel insurance review .

• Benefits for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Missed connection coverage of $1,500 per person for tours and cruises, after a 3-hour delay.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” upgrade available.

Nationwide has a rating of 4.02 stars out of 5 on Squaremouth, based on 570 reviews of policies purchased on the travel insurance comparison site since 2018.

  Heidi’s expert take: “This plan has protections for cruisers when it comes to prepaid expenses. But its emergency medical coverage is secondary, which means you’d have to file medical claims with your health insurance company first. Since U.S. health insurance won’t help you at sea, you may want to look for cruise travel insurance with primary medical coverage instead.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

Compare the best travel insurance plans

Via Compare Coverage’s website

Heidi’s expert take: “Here are my tips on how to buy travel insurance that gets you the most coverage for the lowest price: Buy early . Getting travel insurance within two weeks of making your first trip deposit may qualify you for coverage of pre-existing medical conditions, and it won’t cost you any extra.  Look for primary emergency medical coverage . If you buy a plan with secondary coverage, you’ll have to file a claim with your health insurance first, even if you know it will be denied.  Don’t overinsure . Calculate the value of only your prepaid, nonrefundable trip expenses that are not already covered by other insurance (like credit card travel insurance or health insurance, if your coverage extends to where you are traveling). Even if this value is $0, you can still buy travel insurance for the travel medical insurance benefits, and you’ll only be paying for the insurance you need.  Understand exclusions . If you are planning to go scuba diving, for instance, make sure this adventure activity is not excluded from a policy’s coverage. If so, you may need to pay for a rider or shop for another plan that offers the coverage you need.” Heidi Gollub, Managing Editor of Insurance, USA TODAY Blueprint

What is the best travel insurance?

The best travel insurance for international travel is sold by WorldTrips, according to our in-depth trip insurance comparison.

The best travel insurance plan for you will depend on the trip you are planning and the coverage areas that are most important to you.

• Best cruise travel insurance
• Best COVID travel insurance
• Best “cancel for any reason” travel insurance
• Best senior travel insurance

Best travel insurance for cruises

The best cruise travel insurance is Atlas Journey Preferred sold by WorldTrips . This plan offers solid travel insurance for cruises for a low rate.

Best travel insurance for COVID-19

The best COVID travel insurance is the Trip Protection Basic plan sold by Seven Corners . It is a relatively low cost travel insurance plan with optional “cancel for any reason” coverage that reimburses up to 75% of your prepaid, nonrefundable trip expenses.

Best travel insurance for “cancel for any reason” 

The best “cancel for any reason” (CFAR) travel insurance is Seven Corners’ Trip Protection Basic. Adding CFAR coverage to a RoundTrip Basic plan only increases the cost by about 40%, which is lower than other plans we analyzed. For the extra cost, you get coverage of 75% of your prepaid, nonrefundable trip expenses, as long as you cancel at least 48 hours before your scheduled departure.

Best travel insurance for seniors

The best senior travel insurance is the Gold plan sold by Tin Leg . It is an affordable travel insurance plan with travel medical primary coverage of $500,000 and a pre-existing conditions waiver if you insure the full amount of your trip within 14 days of your first trip deposit.

How much is travel insurance?

The average cost of travel insurance is 5% to 6% of your prepaid, nonrefundable trip costs . 

How much you pay for travel insurance will depend on:

• The cost of your trip.
• Your destination.
• The length of your trip. 
• The ages of travelers being insured.
• Your state of residence.
• The travel insurance policy you choose.
• The total coverage amounts in your policy.
• Any travel insurance add-ons you select. 

Here are average travel insurance rates for a 30-year-old female who is insuring a 14-day trip to Mexico.

Looking to save? Discover cheap travel insurance options.

How much travel insurance should I buy?

Travel insurance companies typically offer several plans with varying maximum limits. The higher the coverage limits, the more you’ll pay for travel insurance. 

Squaremouth, a travel insurance comparison site, recommends the following coverage limits for international travel: 

• Emergency medical coverage: At least $50,000. 
• Medical evacuation coverage: At least $100,000. 

If you’re going on a cruise, or to a remote location, Squaremouth recommends: 

• Emergency medical coverage: At least $100,000. 
• Medical evacuation coverage: At least $250,000.

When evaluating travel insurance plans, our team of insurance analysts considered the best medical travel insurance policies to have at least $250,000 in emergency medical coverage and at least $500,000 in medical evacuation coverage. 

When should I buy travel insurance?

The best time to buy travel insurance is within two weeks of making your first nonrefundable travel payment, whether it’s for a plane ticket, hotel stay, cruise or excursion. 

Travel insurance costs the same whether you buy it early or last minute, and buying it early has added benefits: 

• You may be able to add on “ cancel for any reason” (CFAR) coverage , an upgrade that is typically only available for a limited time after you’ve started paying for your trip. 
• You may qualify for a pre-existing medical conditions exclusion waiver, meaning your pre-existing conditions will be covered by travel insurance. This waiver is generally added to your policy automatically, provided you buy the travel insurance within a certain window after your first trip deposit.
• You will be covered over a longer period of time for unforeseen events that could cause you to cancel your trip, such as medical emergencies, inclement weather and natural disasters. 

Expert tip: You can buy travel insurance up to the day before you leave on your trip, but waiting may cost you the opportunity to qualify for a pre-existing conditions exclusion waiver or to buy a “cancel for any reason” upgrade.

Where can I buy travel insurance?

You can buy a travel insurance plan:

• Online. Visit a travel insurance company’s website to buy a policy directly or use a comparison website like Squaremouth or Travelinsurance.com to see your options and compare plans. You may also be able to purchase travel insurance online through an airline, cruise, hotel, rental car company or other provider you book a ticket with.
• In person. A travel agent or insurance agent may be able to assist you in buying travel insurance.

Travel insurance trends in 2024

Americans are changing the way they travel and this includes buying travel insurance when they might have skipped it in the past. As spending on trips continues to rise , travelers have more to lose if their plans are disrupted. 

Based on travel insurance quote requests on the Squaremouth website last month, these are the main benefits travelers are looking for in a travel insurance policy.

*Source: Squaremouth.com. Travel insurance quote filter usage from April 28 to May 28, 2024.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

• $3,000, 8-day trip to Mexico for two travelers age 30.
• $3,000, 8-day trip to Mexico for two travelers age 70.
• $6,000, 17-day trip to Italy for two travelers age 40.
• $6,000, 17-day trip to Italy for two travelers age 65.
• $15,000, 17-day trip to Italy for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to France for four travelers ages 40, 40, 10 and 7.
• $15,000, 17-day trip to the U.K. for four travelers ages 40, 40, 10 and 7.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

If you’d like to dig in deeper, head over to our travel insurance ratings methodology page.

Best travel insurance FAQs

According to our analysis, WorldTrips has the best trip insurance. Two of its plans — Atlas Journey Explore and Atlas Journey Elevate — get 5 stars in our rating.

The best travel insurance policy for you will depend on what type of coverage you need. With so many different policies and carriers, the policy that was best for your friend’s trip to California might not be ideal for your trip to Japan. If you’re looking for the best travel insurance for international travel, you may be willing to pay more for higher coverage levels.

A comprehensive travel insurance plan bundles several types of travel insurance coverage, each with its own limits. To ensure you have adequate financial protection for your trip, your travel insurance policy should include the following travel insurance coverages:

• Trip cancellation . With trip cancellation insurance , you’re covered if you need to call off your trip because of a reason listed in your policy, such as unexpected illness, injury or death of you, a family member or a travel companion, severe weather, jury duty and your travel supplier going out of business. 
• Travel delay. Once your trip has started, travel delay insurance reimburses you for unexpected expenses you incur after a minimum delay, such as five hours. It can cover needs like airport meals, transportation and even overnight accommodation. 
• Trip interruption. If you need to cut your trip early for a reason listed in your policy, trip interruption insurance can reimburse you for any prepaid, nonrefundable payments you’ll lose by leaving early. It can also pay for a last-minute one-way ticket home. 
• Travel medical . Emergency medical benefits are especially important if you need international health insurance for travel outside of the country. Your domestic health insurance may provide limited coverage once you leave the U.S. The best travel medical insurance pays for ambulance service, doctor visits, hospital stays, X-rays, lab work and prescription medication you may require while traveling. 
• Emergency medical evacuation. If you’re traveling to a remote area, or planning excursions such as boating to an island, emergency medical evacuation coverage is a good idea. This coverage pays to transport you to the nearest adequate medical facility if you are injured or sick while traveling. 
• Baggage delay. After a certain waiting period, such as six or 12 hours, this coverage will reimburse you for necessities you need to buy to tide you over while you wait for your bag to arrive. Be sure to save your receipts and look at your coverage limit, as some caps are low, like $200. 
• Baggage loss. Baggage insurance can reimburse you if your bag never arrives, or if your personal belongings are stolen during your travels. Coverage limits apply here, as well as exclusions for certain items such as electronics.  

“Typically, travelers are expected to pay their expenses out of pocket, and then file a claim for reimbursement,” said James Clark, spokesperson for Squaremouth. “However, there are medical situations in which a provider may be required to pre-authorize payment to make sure the policyholder receives the treatment they need.”

According to Clark, “Providers can pre-authorize payment for medical care and emergency evacuations. With that said, every circumstance is unique, and providers will handle each situation on a case-by-case basis.”

Travel insurance covers your prepaid, nonrefundable trip costs — as well as extra money you may need to spend due to unforeseen circumstances and emergencies — both before and during your trip.

Travel insurance coverage varies by plan, but in general travel insurance covers costs associated with these problems: 

• Bankruptcy of a travel insurance company, such as your airline or tour operator. 
• Dangerous weather conditions.
• Delayed and lost luggage.
• Illness or death in your family that requires you to stay home or cut your trip short.
• Illness that needs medical attention.
• Injury requiring medical evacuation.
• Jury duty. 
• Travel delays and missed connections.
• Theft of your personal belongings while traveling.
• Unexpected job loss. 

Travel insurance policies often exclude or limit “foreseeable” losses. Typical travel insurance exclusions include:

• Accidents or injuries caused by drinking or drug use.
• Canceling your trip because you changed your mind.
• Ending your trip early because you changed your mind.
• Losses caused by intentional self harm, including suicide.
• Losses due to war, civil disorder or riots.
• Medical tourism.
• Medical treatment for pre-existing conditions.
• Mental health care.
• Natural disasters that begin before you buy travel insurance.
• Non-medical evacuation.
• Normal pregnancy. 
• Medical treatment related to high-risk activities.
• Routine medical care, such as physicals or dental care.
• Search and rescue.

Your U.S. health insurance may provide little or no coverage in foreign countries. Check with your health insurance company to see if you have any global benefits and ask how they work. If your health care does extend across the border, the benefits it provides abroad may not be the same benefits it provides domestically. 

Medicare usually won’t pay for health care outside of the United States and its territories, so older travelers planning an international trip should look into the best senior travel insurance with robust medical benefits. 

The best time to buy travel insurance is immediately after booking your trip and making a nonrefundable payment — in other words, as soon as you’re at risk of losing money. This way, you’ll know the total cost that you need to insure and you’ll have the longest window to take advantage of your policy’s benefits if something goes wrong.

You can’t wait until something goes wrong and then buy travel insurance to get reimbursed for your loss. Travel insurance only covers unexpected losses.

Travel insurance companies can decline to cover travel to certain countries. For example, you may find that some trip insurance companies don’t offer coverage to countries with a Level 4: Do Not Travel advisory from the U.S. State Department. 

Travel insurance policies also frequently exclude certain risks that you’re more likely to encounter in Level 4 or Level 3 countries. For example, your policy may not cover losses related to declared or undeclared wars or acts of war or losses related to known or foreseeable conditions or events. 

Some credit cards , such as the Chase Sapphire Preferred® Card , offer benefits such as trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement when you use your card to pay for your trip.

Ask your credit card issuer for your card’s benefits guide to see what coverage you may have. Keep in mind that it may not cover all the risks you want to protect against, such as the cost of international health care or emergency medical evacuation .

Business travel insurance makes sense if you are self-employed and paying for your own travel expenses, or if you are traveling internationally and want medical coverage abroad.

You might also consider buying travel insurance for a business trip if your company won’t cover extra expenses if your flight is delayed or you need to head home early.

Cruise travel insurance can help protect you financially if you need emergency medical care in a remote location, or if a delayed flight causes you to miss embarkation and you need to pay extra to catch up to your cruise.

Experts caution that travel insurance you buy through a cruise line may not be as comprehensive as plans you can buy directly from travel insurance companies.

Some travel insurance plans cover rental cars as an optional upgrade, for an additional cost. The 5-star rated travel insurance companies in our rating offer these optional rental car benefits:

• Travel Insured International — Rental car damage and theft coverage of $50,000.
• WorldTrips — Rental car damage and theft coverage of $50,000 with a $250 deductible. 

Travel insurance typically only covers a single trip, although your insured trip can have multiple destinations. 

If you’re looking to insure several trips in the same year, annual travel insurance may be a good option for you.

Travel insurance may be required, depending on the country you plan to visit. But it’s smart to consider buying a travel insurance policy for international travel, even when it is not required. A good travel insurance policy can protect you financially if you need emergency medical assistance when traveling, or if you need to cut your trip short and buy a last-minute plane ticket home because an immediate family member is ill. 

Wondering if travel insurance is worth it? What travel insurance covers

Editor’s Note: This article contains updated information from previously published stories:

• Spirit Airlines scrubs 60% of its Wednesday flights, says cancellations will drop ‘in the days to come.’
• 'Just a parade of incompetency': Spirit Airlines passengers with 'nightmare' stories want more than apology, $50 vouchers
• ‘This is not our proudest moment’: Spirit Airlines CEO says more flight cancellations expected this weekend
• Hurricane Irma: Flight cancellations top 12,500; even more expected
• Is an annual travel insurance policy right for you?
• How 2020 and COVID-19 changed travel forever – and what that means for you
• COVID-19 or delta variant have you ready to scrap your trip? Here’s how to cancel like a pro
• Sunday: Snow is over, but flight cancellations top 12,000
• After nearly 13,000 Harvey cancellations, Irma is new threat to airline flights
• What’s the difference between travel insurance and trip ‘protection’?
• How to choose the right travel insurance for your next vacation
• Travel insurance can save the day
• Angry passengers brawl after Spirit cancels flights
• What to do when travel insurance doesn’t work
• How lockdowns, quarantines and COVID-19 testing will change summer travel in 2021
• Travelers will pay and worry more on summer vacation this year. But they won’t cancel
• How to find a hotel with COVID testing and quarantine facilities wherever you travel
• Yearning to travel in 2022? First, figure out your budget – then pick a destination
• Pro tips for surviving a long flight during a pandemic: Get the right mask, bring a pillow
• Want to steer clear of contracting COVID-19 on your next vacation? Follow these guidelines
• Post-pandemic travel: Is it OK to ask another passenger’s vaccine status or request they mask up?
• These days, forgetting these important travel items could cost you thousands of dollars
• International travel hacks: When to book flights and hotels, how to deal with COVID-19 rules
• Traveling post-coronavirus: How do you book your next trip when so much remains uncertain?
• The COVID-19 guide to holiday travel – and the case for why you shouldn’t go this year
• Should you travel during the holidays? Americans struggle with their decision
• ‘There’s still pent-up demand’: What you should know about fall travel
• Planning for life after coronavirus: When will we know it’s safe to travel again?
• ‘Busiest camping season’: Travelers choose outdoor recreation close to home amid COVID-19 pandemic
• Considering a camping trip this summer? Tips to make sure your gear is good to go
• RVing for the first time? 8 tips for newbies I wish I’d known during my first trip
• Five myths about travel agents
• Should I buy travel insurance?
• Is travel insurance stacked against you?
• Five myths about travel insurance and terrorism
• These eight things could get your travel insurance claims rejected
• There’s a good chance that your credit card already gives you some kind of travel insurance coverage
• How to avoid a hotel cancellation penalty
• Change fees and travel insurance continue to rise

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Amy Fontinelle has more than 15 years of experience helping people make informed decisions about their money, whether they’re refinancing a mortgage, buying insurance or choosing a credit card. As a freelance writer trained in journalism and specializing in personal finance, Amy digs into the details to explain the products and strategies that can help (or hurt) people seeking greater financial security and wealth. Her work has been published by Forbes Advisor, Capital One, MassMutual, Investopedia and many other outlets.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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The Guide to Travel Insurance for Trips to Europe

After spending seven years in the U.S. Air Force as an Arabic linguist, Carissa is now a freelance writer using points and miles to fund a four-year (and counting!) adventure. She previously worked as a reporter for The Points Guy. Her writing has since been featured in numerous publications, including Forbes, Business Insider, and The Balance. When she's not flying, you'll usually find her in a Priority Pass lounge somewhere, sipping tea and cursing slow Wi-Fi.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How travel insurance works

How to choose between travel insurance companies, best plans for health insurance while traveling in europe, other tips for travel and medical insurance in europe, which credit cards offer europe travel insurance, travel insurance for europe recapped.

Traveling abroad can be an exhilarating adventure, especially when you’re heading to Europe. Whether you’re in the mood for an eclair or want to take in the Colosseum, making your way over to Europe involves a lot of moving parts.

That’s why travel insurance can be so beneficial. With protections such as trip delay reimbursement and coverage for lost luggage, travel insurance can help make sure your trip stays smooth.

What’s more, several plans include travel health insurance in Europe, so you can worry less about whether that hike through the Alps is a good idea.

Let’s take a look at travel insurance in Europe as well as other coverage options for your vacations.

Because a lot of thought, money and effort go into planning and taking a vacation, protecting your investments (and yourself) with travel insurance can make the difference between an enjoyable memory and a disastrous anecdote you tell at mealtimes.

Travel insurance can cover a variety of things, including:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

Trip cancellation, trip delay, trip interruption and lost luggage insurance are all sources of protection when you travel, especially on airlines. These can reimburse you for nonrefundable expenses you miss out on due to covered delays, and may pay you back for costs you end up incurring (including lodging, meals, toiletries and clothing).

Although it’s possible to get standard health insurance for trips abroad, it’s much more common to get coverage for emergency care, which includes protections for unexpected injuries and illnesses.

Health insurance for European travel is usually included with a standard travel insurance policy, but there are plan limits and there may be deductibles.

It’s also possible to purchase medical-only travel insurance from certain providers if you aren’t interested in other trip protections.

» Learn more: How to find the best travel insurance

Before you start shopping for travel and medical insurance in Europe, evaluate the level of coverage you need based on your age, health, trip duration, destination and planned activities (some adventure sports aren't always covered). Compare plans from different providers, paying attention to coverage, benefits and prices.

Here's a short list of factors to consider:

The cost of the policy. 

The limits of the plan.

Whether there are deductibles.

Whether the benefits are primary or secondary.

Where you’re going. 

How long your trip is.

Whether you already have insurance that’ll cover you.  

The types of activities you’ll be doing. 

An insurance aggregator like InsureMyTrip or Squaremouth (a NerdWallet partner) can streamline your shopping experience. Be sure to also read reviews and ratings of individual travel insurance companies to get an idea of customer service and claim resolution processes.

» Learn more: The best travel insurance companies

To figure out the best plans for travel and health insurance in Europe, we generated quotes from multiple travel insurance companies using a test scenario. For this example, we used a 37-year-old Nevada resident traveling to Germany for 11 days with a $4,000 trip cost. Here are the winners.

GeoBlue’s Voyager Choice medical insurance for European travel sits head and shoulders above the rest for cost, at only $28.16.

That said, there's a reason it is so affordable. This plan offers coverage only for medical emergencies and lacks other trip protections. It is a good option if you want to supplement existing travel coverage (say via your credit card ) with more medical coverage.

$1 million in medical coverage.

$0 deductible.

Offers direct billing.

No trip protections.

Pre-existing condition coverage requires that you have domestic health insurance.

Can only purchase plans up to six months in advance of your trip. 

» Learn more: Read our full GeoBlue travel insurance review

IMG’s iTravelInsured Travel SE’s comprehensive plan includes both trip protections and health insurance for Europe travel and rings in at just $135.36.

At this price point, it provides excellent primary coverage for medical insurance, offers rental car insurance and includes superior trip interruption reimbursement.

$250,000 in medical coverage.

$40,000 in rental car insurance. 

Pre-existing conditions covered. 

Travel delay reimbursement kicks in after 12 hours. 

Baggage loss is capped at $250 per item and $1,500 total.

More expensive than other options. 

» Learn more: Read our full review of IMG travel insurance

3. Detour Insurance

The Detour Insurance @The Edge insurance plan is aptly named. Costing $86.90, the plan offers a unique inclusion for the costs of search and rescue, which can provide peace of mind if you're participating in backcountry adventures.

$1 million limit for medical evacuation. 

Coverage can be extended. 

$10,000 for search and rescue. 

No rental car insurance. 

Pre-existing conditions not covered. 

$50,000 limit for 24-hour accidental death and dismemberment (AD&D) coverage. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

4. Trawick International

Trawick International’s Safe Travels Protect plan includes primary medical coverage as well as a wide range of trip protections. At $100.03, it even covers cancellations for medical reasons.

$25,000 in emergency medical coverage.

100% for both trip cancellation and trip interruption. 

Medical quarantine coverage included. 

$100 medical deductible.

$500 lost luggage limit (not a great fit if you are packing several valuables).

Doesn’t cover pre-existing conditions. 

» Learn more: Read our full Trawick International review

Do you have a travel credit card ? Many of these cards offer complimentary travel insurance as a part of their benefits. 

The plan you select may offer secondary coverage, but this matters only if you have existing insurance. In its absence, secondary coverage becomes primary. 

Look at your existing health insurance policy. Some plans will provide emergency coverage for you when traveling internationally. 

If you’re planning on heading for the Dolomites or other European mountains for winter sports, be sure that your travel insurance covers adventure activities; not all do. Travel insurance can rescue a ski or snowboard trip , but read the fine print to see what exclusions apply before you purchase a policy. 

» Learn more: 5 tips before buying Schengen visa travel insurance

If you’re looking for insurance when traveling to Europe, you may already have it without knowing. Many travel credit cards offer complimentary travel insurance.

Available types of insurance can include rental car insurance, emergency medical insurance, trip cancellation reimbursement, lost luggage protection and trip delay insurance.

Here are some of the best credit cards for travel insurance:

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

• Trip delay: Up to $500 per passenger for delays more than 6 hours.

• Trip cancellation: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

• Trip interruption: Up to $2,000 per person for nonrefundable airline, bus, train or ferry tikets.

• Lost or damaged luggage : Up to $3,000 per passenger.

» Learn more: How to choose a credit card for Europe travel

Staying safe is important during your trip to Europe. Health insurance for travel can make a difference, especially if you’re planning on doing anything adventurous. The same can be said for other trip protections, which reimburse you for covered expenses that you incur.

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g., plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex℠. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellations and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide to the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

• Main content

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

Travel Insurance for Seniors & Retirees: 5 Top Picks

Allianz Travel Insurance »

Trawick International »

GeoBlue »

IMG Travel Insurance »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Insurance for Seniors and Retirees.

Table of Contents

• Allianz Travel Insurance
• Trawick International

While anyone planning a trip overseas can benefit from having a travel insurance plan in place, older travelers need to prioritize this coverage more than others. The fact is, senior travelers and retirees have unique worries and risks to think about any time they travel far from home. These risks increase their need for travel health insurance and emergency medical coverage, as well as coverage for emergency medical evacuation that applies anywhere in the world.

Which travel insurance options work best for seniors? There are many travel insurance plans that were created with retirees in mind, although you'll want to compare them side by side. For example, you may want to look at coverage limits for medical expenses and coverage for preexisting conditions above all else.

U.S. News editors compared more than 20 of the top travel insurance companies to find the best plans for seniors. This list does the heavy lifting for you as you search for the best senior travel insurance of 2023, so read on to learn about the top picks.

• Allianz Travel Insurance: Best Annual Coverage
• Trawick International: Best Premium Travel Insurance for Seniors
• GeoBlue: Best Travel Medical Coverage for Expats
• IMG Travel Insurance: Best for Short-Term Travel Medical Coverage
• WorldTrips: Best for Flexibility

Available to senior travelers of all ages

Coverage for preexisting conditions is offered

Relatively low limits for emergency medical expenses

• Coverage for COVID-19
• Trip cancellation coverage up to $3,000
• Trip interruption coverage up to $3,000
• Emergency medical coverage up to $20,000
• Emergency medical evacuation coverage up to $100,000
• Baggage loss coverage up to $1,000
• Baggage delay insurance up to $200
• Travel delay coverage up to $600 ($200 daily limit)
• Rental car damage and theft coverage up to $45,000
• Travel accident coverage up to $25,000
• 24-hour hotline for assistance
• Concierge service
• Preexisting condition coverage (must be added to plan within 14 days of first trip deposit or payment)

SEE FULL REVIEW »

Customize plan with optional CFAR coverage

Incredibly high limits for medical expenses and emergency evacuation

Coverage is for trips up to 30 days if you're age 80 and older

• Up to $15,000 in trip cancellation insurance
• Up to $22,500 in trip interruption coverage
• Up to $1,000 for trip delays ($200 daily limit for delays of 12-plus hours)
• Up to $1,000 for missed connections
• Up to $150,000 for emergency medical expenses
• Up to $1 million in emergency medical evacuation coverage
• $750 in emergency dental coverage
• $2,000 in coverage for baggage and personal effects
• $400 in baggage delay coverage
• 24/7 noninsurance assistance services

Get comprehensive health insurance that applies overseas

Preventive and routine care included

Age limits apply for new applicants and renewals

• Preventive and routine care
• Professional services like surgery
• Inpatient medical care
• Ambulatory and therapeutic services
• Rehabilitation and therapy

Get overseas medical coverage for single trips or multiple trips

Plans were created with seniors and retirees in mind

Lower maximum coverage limits for travelers ages 80 and older

Limited nonmedical travel insurance benefits

• Inpatient and outpatient medical coverage such as for physician visits, hospitalization and surgery
• Emergency and nonemergency medical evacuation coverage
• Coverage for emergency reunions
• Return of mortal remains
• Trip interruption coverage worth up to $5,000
• Lost luggage coverage worth up to $250 (up to $50 per item)
• Coverage for terrorism worth up to $50,000
• Accidental death and dismemberment coverage worth up to $25,000

Customize your deductible and premiums

Generous medical limits for travelers ages 65 to 79

Limited medical coverage for travelers older than 80

• Up to $1 million in emergency evacuation coverage
• Medical benefits like hospital room and board, chiropractic care, and more
• Coverage for repatriation of remains
• Up to $25,000 in personal liability coverage
• Up to $10,000 in trip interruption insurance
• Up to $1,000 in coverage for lost checked luggage
• Up to $100 per day in coverage for travel delays of 12-plus hours
• Up to $1,500 in coverage for bedside visits
• Up to $100,000 in coverage for emergency reunions

Frequently Asked Questions

You can purchase some travel insurance plans (but not all) if you're older than 80 years old. However, your premiums may be higher and you'll typically qualify for lower coverage limits overall. Make sure you compare the best travel insurance plans for seniors to find the right fit for your needs.

Since seniors and retirees are more likely to face a medical emergency during a trip, most travel insurance plans for seniors include coverage for emergency medical expenses and emergency medical evacuation. Coverages vary among plans, as do limits, so make sure to compare options before you book a trip overseas.

Why Trust U.S. News Travel

Holly Johnson is a professional travel writer who has covered international travel and travel insurance for more than a decade. Johnson has researched and compared all the top travel insurance options for her own family for trips to more than 50 countries around the world, and she has successfully filed claims during that time. Johnson lives in Indiana with her two children and her husband, Greg, a travel agent who has been licensed to sell travel insurance in 50 states.

You might also be interested in:

9 Best Travel Insurance Companies of 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings, which factor in expert and consumer recommendations.

Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

How to Get Airport Wheelchair Assistance (+ What to Tip)

Suzanne Mason and Rachael Hood

From planning to arrival, get helpful tips to make the journey easier.

Our Response to COVID-19 →

TRAVEL INSURANCE

These three patients were all fit young people with no previous medical illnesses who had no reason to believe that they would need hospital care during their vacation. That is the whole point about insurance - it is there to help you when the unexpected happens.

Your vacation is coming up it's all so exciting you can hardly sit still. Passports found and checked flights booked and confirmed hotels selected and reservations made clothes chosen and packed travelers checks purchased arrangements made for friends to feed the dog and check your house. Is there anything you have forgotten? What about Travel Insurance?Oh sure travel insurance that's dull stuff do you really need that?

You've never lost a bag and you have a good feeling about things there is no need for Travel Insurance.WRONG! There is a very definite need for Travel Insurance. Just because you have good Insurance coverage when you are at home that does not mean you have good coverage when overseas.Travel Insurance covers many eventualities. If your flight is cancelled and you are stranded or if your bag is missing and you are in a strange place without even a toothbrush the insurance will help to defray your expenses.

These however are not the most important or expensive eventualities that are covered. The most important is Health Care Insurance for you for while you are out of the country. British Canadians Australians and other travelers from countries with universal government schemes are more negligent about purchasing this type of insurance than are Americans or Europeans. These plans with all their faults are always available so they do not think much about additional health coverage.

This is spite of the fact that government plans have no legs at all and are of almost no help when you away from home. The concept of the &lsquouninsured patient&rdquo is not part of the experience of many travelers. Neither is the phenomenon of patients being turned away from hospitals as they had no insurance or could not document their coverage. But if you are taken ill or injured in a foreign country and you do not have travel insurance you are an uninsured patient and may have trouble getting care.

Robert Jackson was looking forward to his visit to South East Asia. He spent several months planning his trip. He read the history of the countries that he would visit and created a demanding schedule for himself. He was planning to travel to the less visited areas in Northern Thailand and visit as many of the holy sites as he could and cram into his schedule. He was not planning on visiting the Intensive Care Unit of the Bangkok Hospital Medical Center he also was not planning on spending over forty-eight hours unconscious and he certainly was not planning on multiple surgeries or the intensive rehabilitation he ended up receiving.

In spite of the fact that he was not too agile and had not ridden a motor-bike in over ten years he decided to rent a motor bike and ride around the back roads in Thailand. A truck that he was following too closely suddenly pressed his brakes. Robert flew through the air and landed on his face in the road.Fortunately he was transported into the city quickly and brought to the Bangkok Hospital Medical Center a tertiary care JCI Accredited facility and admitted to the Neurological Intensive Care unit as he was unconscious.His family was contacted and consent for treatment obtained.

They were not aware if Robert had any Health Insurance and were reluctant to guarantee payment for the care. In spite of this he received excellent care and is now on his way to full recovery after multiple surgeries for his facial fractures and skin grafting to other wounds. He was obliged to take out a considerable bank loan to cover his care.Melanie Albert was working as a volunteer in a children's care home in Cambodia.

After eating a very spicy dinner one evening she started to have abdominal pain. Thinking it was indigestion she ignored the pain initially but by the following morning realized that this might be something more serious than an upset stomach. She had not obtained any insurance when she left home and naively thought that her patents policy would cover her medical expenses while out of the country. After been seen in the clinic she was flown to Bangkok and admitted to the Bangkok Hospital Medical Center.

A diagnosis of Appendicitis was made and she had an operation on the same day. Her family came out to be with her and was able to have funds transferred to cover the cost of her care.She was particularly fortunate as she had been able to get to Bangkok on a commercial flight. If she had needed to have a special air-ambulance the cost would have been enormous. One of the features that is always included in Travel Insurance is Evacuation Insurance that covers the cost of you being transported to a good medical center close to your accident or where you were taken ill.

It also covers the expense of getting you home after treatment has reached that point that you are ready to travel. Another patient needed to be transported back to Britain after Surgery and Intensive Care treatment for a collapsed lung which had happened quite spontaneously and without warning. He needed a nurse and a doctor to travel with him as he was taking anti-coagulants and there was the possibility that he might need extra oxygen on the flight.

He was flown from Bangkok to Frankfurt and from there to Manchester. He traveled Business class with his two attendants. Luckily he had good coverage for this very expensive journey.These three patients were all fit young people with no previous medical illnesses who had no reason to believe that they would need hospital care during their vacation. That is the whole point about insurance - it is there to help you when the unexpected happens.

Travel Insurance is surprisingly inexpensive and for a young person may be as little as $40 for a three week vacation. I would suggest that you purchase this before you leave home. The Information Center that the insurer provides can also be very useful to you as they will be able to direct you to the best Medical facility wherever you are in the world. Whatever insurance you have keep the details of the policy and call center number with you on your person at all times.

I hope you have a wonderful trip and do not need any medical services but it is best to plan for all eventualities.

‍ Dr. Michael Moreton is the International Medical Coordinator at the Bangkok Hospital Medical Center. He may be reached at [email protected]. Michael Moreton graduated from Medical School in the UK he then trained in Ob/Gyn in the McGill program in Montreal. He practised in Ontario and Florida before going to China in 1997. In his ten years there he was the founding Ob in the first western style Maternity unit in China and later opened another in Shanghai. He is now the International Medical Coordinator at the Bangkok Hospital Medical Center in Thailand. [email protected]

Unveiling the Power of Social Media Marketing in Medical Tourism

Korea: turning the focus to an emerging global leader in medical tourism, exploring the surge of cosmetic tourism: trends and considerations in aesthetic procedures abroad, holistic healing: exploring integrative medicine and wellness retreats, meeting the surge: the growing demand for knee replacement surgeries and advances in the field, in pursuit of excellence: ceo spotlight with ms. artirat charukitpipat, south korea, a medical tourism leader pioneering the future of medicine  , surgical solutions for obesity and weight management ~ a team effort, south korea ~ stepping into the spotlight in global healthcare, continue reading, informed decision-making in medical tourism: the significance of clinical outcome reports, avoiding pitfalls: top 5 mistakes medical tourism startups should steer clear of, reshaping cataract surgery with advanced technology, featured reading, guide to choosing korea for medical travel, medical tourism magazine.

The Medical Tourism Magazine (MTM), known as the “voice” of the medical tourism industry, provides members and key industry experts with the opportunity to share important developments, initiatives, themes, topics and trends that make the medical tourism industry the booming market it is today.

Elektrostal

City in moscow oblast, russia / from wikipedia, the free encyclopedia, dear wikiwand ai, let's keep it short by simply answering these key questions:.

Can you list the top facts and stats about Elektrostal?

Summarize this article for a 10 year old