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Last updated on May 07, 2020

The Best Medical Travel Insurance

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How We Found the Best Medical Travel Insurance

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22 providers evaluated

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15 hours of research

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4 top picks

The Best Medical Travel Insurance

Medical travel insurance jumps in when your U.S. health insurance coverage falls short while traveling out of the country. Whether you get sick, injured, or need to be evacuated, some or all of your expenses may be covered with the right insurance policy.

Medical travel insurance doesn’t automatically cover logistical issues of your trip, like lost luggage or a delayed flight — although many policies do include these features as extra perks. 

We reviewed the four best medical travel insurance companies that suit a range of travelers, from adventure-seeking explorer to a large family with a troop of pioneers.

The 4 Best Medical Travel Insurance Companies

  • Travelex Insurance Services: Best for Families
  • John Hancock: Best for Solo Travelers 
  • IMG: Best for Thrill Seekers
  • Allianz Global Assistance: Best for Frequent Travelers 

Recommended PlanMax Trip LengthAM Best financial strengthOptional ‘pre-existing condition waiver’Optional “cancel for any reason” coverage
Travelex InsuranceTravel Select364 daysA+✔ 
John HancockSilver90 daysA+
IMGPatriot Platinum36 monthsA
Allianz Global AssistanceOneTrip PrimeN/AA+

*Data as of 4/26/2020

Travelex Insurance

Best for
Families
Travelex Insurance Services
Travelex Insurance Services


Pros

Kids are insured for free
Pre-existing condition waiver included
Coverage for adventure sports

Cons

Lower medical limits built-in
Fewer policy options

Travelex Insurance’s Select plan is ideal for families because children age 17 or younger are automatically covered at no additional charge. You can also tack on extra coverage for adventure sports in case your trip involves thrill-seeking.

Best For: Families ✗ Not For: Potential Cancellations

John Hancock

Best for
Solo Travelers
John Hancock
John Hancock


Pros

High medical limits across the board
No deductibles
Outstanding customer service

Cons

Lacks an adventure sports waiver
Kids cost extra

With three different plans to choose from, you can find a perfect amount of coverage from John Hancock. And if your itinerary changes, all policies include 75% reimbursement for the non-refundable parts of your trip.

✓ Best For: Solo Travelers ✗ Not For: Families

IMG

Best for
Thrill Seekers
IMG

Pros

Robust medical and evacuation coverage
Unique protection for extreme sports
Cancel your trip for any reason

Cons

Higher limits mean higher premiums
Policies are not customizable

IMG’s Patriot Platinum International policy includes supplemental accident coverage. The maximum limit for your plan is $8 million, so if you like more adventurous traveling,, you’ll have the medical coverage you need in case of emergency. 

✓ Best For: Thrill Seekers ✗ Not For: Easy Cancellations

Allianz Global Assistance

Best for
Frequent Travelers
Allianz Global Assistance
Allianz Global Assistance


Pros

Year-round travel insurance
Extra emergency evacuation coverage
Coverage for kids is free

Cons

No medical upgrades available
Limited policy add-ons

The OneTrip Prime plan from Allianz Global Assistance combines both medical travel insurance and some cancellation coverage as well. The maximum benefits coverage for medical care and transportation are higher than many other options.

✓ Best For: Frequent Travelers ✗ Not For: Unconditional cancellations

Further Reading (optional):

How We Chose the Best Medical Travel Insurance

We evaluated medical travel insurance companies based on their financial ratings, the extent of their benefits coverage, and the flexibility of their policies. We also considered a range of features that would be advantageous to different types of travelers. 

Guide to Medical Travel Insurance

Take Planned Activities into Account

Basic medical travel insurance includes things like emergency medical care and evacuation. But if you plan on doing higher-risk activities, additional coverage may be warranted. Examples of these types of travel adventures include skydiving, mountain climbing, and scuba diving. 

Compare Quotes to Find the Best Price

It’s important to compare medical travel insurance quotes because so many factors are evaluated to determine your offer. Premiums are based on total trip cost, coverage selections, and the number and age of travelers in your party, among other factors.

Medical Travel Insurance FAQ

About the Authors

Lauren Ward

Lauren Ward Contributing Writer

Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.