Medical Insurance for Overseas
Ensuring the safety of your travel plans in the face of unforeseen medical events is paramount. Whether your concerns revolve around a potential viral outbreak at your destination or an unexpected medical mishap, travel medical insurance for overseas can be your reliable companion, providing reassurance for your upcoming journey.
Our extensive research has led us to evaluate numerous travel insurance companies, culminating in a list of top-tier providers offering comprehensive travel medical insurance coverage for overseas travel.
To guide you in making an informed choice, we have factored in critical considerations such as costs, coverage limits, plan add-ons, and overall convenience.
Medical Insurance for Overseas Top Providers
Without further ado, let's explore the cream of the crop - the top 9 travel insurance companies for travel medical insurance for overseas, each handpicked for specific strengths:
Travelex
Travelex's travel medical plan boasts coverage for emergency medical expenses of up to $10,000, emergency evacuation and repatriation expenses reaching $100,000, and accidental death and dismemberment (AD&D) coverage amounting to $10,000.
A standout feature is the flexibility to enroll in a Travelex travel medical plan at any time before your departure, even on the day of your journey. Beyond medical coverage, Travelex extends its protective umbrella to encompass aspects like lost baggage, trip cancellations, and missed connections.
Faye
This newcomer to the travel insurance scene, founded in 2022, has quickly garnered acclaim for its seamless online experience. Faye offers an entirely digital process, from obtaining quotes to enrolling in coverage and filing claims, all accessible via a mobile app. Real-time alerts and round-the-clock customer service before and during your trip add to its allure.
International Medical Group (IMG)
IMG Global distinguishes itself by offering an expansive array of travel medical-specific products, including international health insurance and travel insurance for overseas. Their policies encompass unique coverage options, such as health plans tailored for student travelers and plans catering to adventure enthusiasts involved in high-risk activities during their travels.
IMG Global's coverage extends to diverse medical expenses, including reconstructive surgery and chiropractic care.
Seven Corners Travel Insurance
Seven Corners sets itself apart by offering robust travel medical insurance for overseas, ideal for both quick getaways and extended sojourns abroad. With three plans covering a range of medical care, from urgent care visits to dental treatments and emergency eye exams, Seven Corners keeps your health and well-being a top priority. What's more, you can extend benefits for up to 364 days.
AIG Travel Guard
AIG Travel Guard caters to both vacationers and business travelers with its MedEvac Per Trip Plan. While it includes substantial coverage for emergency medical evacuation and repatriation ($5 million) and dental expenses ($500 limit), medical benefits are capped at $50,000 per policy term.
A noteworthy feature is the COVID-19 lodging add-on, which aids in covering expenses incurred if you contract the virus during your travels.
Trawick International
Trawick International offers comprehensive travel medical insurance for overseas at affordable rates. Their base plans encompass up to $5 million in emergency medical expenses, $25,000 in political evacuation coverage, and a $2,500 coverage limit for pre-existing medical conditions.
With plan costs starting as low as $10 for a week-long trip, Trawick International is one of the more budget-friendly options.
HTH Travel Insurance
Partnering with GeoBlue, a Blue Cross company, HTH Worldwide provides an extensive network of doctors and medical facilities in over 180 countries worldwide. Their plans cover a wide range of healthcare benefits, including prescription drugs and physical therapy.
While it's strong in healthcare coverage, it doesn't include trip cancellation insurance coverage and has certain exclusions.
TravelSafe Insurance
TravelSafe Insurance caters to travelers seeking solid protection for out-of-pocket medical expenses for overseas travel. They offer two plans covering standard emergency accidents, unexpected illnesses, and non-medical emergency evacuation. Plan costs vary based on factors such as age and trip cost, starting at $10.
Allianz Global Assistance
Allianz Global Assistance presents a single travel medical plan featuring a $50,000 emergency medical limit, a $250,000 emergency evacuation limit, and a $10,000 travel accident coverage limit. Additionally, they offer concierge services and a 24-hour travel assistance desk for medical assistance services and more.
Why Medical Insurance for Overseas is Important
Travel medical insurance for overseas steps in to cover substantial medical expenses incurred outside your home country. Most employer-based health insurance, Medicare, or Affordable Care Act plans do not extend coverage beyond U.S. borders. If you're embarking on an international or extended trip, having a travel medical insurance plan for overseas provides invaluable peace of mind, ensuring you're safeguarded in the event of injury or illness while traveling.