We recommend products and services based on unbiased research from our editorial team. We make money via affiliate links, which means if you click a link on our site, we may earn a commission. Any commissions we receive do not affect our recommendations; if you want to know more about how that works, read more.
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 Plan||Max Trip Length||AM Best financial strength||Optional ‘pre-existing condition waiver’||Optional “cancel for any reason” coverage|
|Travelex Insurance||Travel Select||364 days||A+||✔||✘|
|John Hancock||Silver||90 days||A+||✔||✔|
|IMG||Patriot Platinum||36 months||A||✔||✘|
|Allianz Global Assistance||OneTrip Prime||N/A||A+||✔||✘|
*Data as of 4/26/2020
Kids are insured for free
Pre-existing condition waiver included
Coverage for adventure sports
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
High medical limits across the board
Outstanding customer service
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
Robust medical and evacuation coverage
Unique protection for extreme sports
Cancel your trip for any reason
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
Year-round travel insurance
Extra emergency evacuation coverage
Coverage for kids is free
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
Medical travel insurance acts as your primary health coverage on international vacations. Just like your normal policy, it can be used to pay for treatments, medication, and even hospital stays.
Basic travel insurance doesn’t include medical events. A travel insurance policy covers you for things like trip cancellations, lost bags, and flight delays instead.
Our best medical travel insurance providers cover a minimum of $50,000 for emergency medical care and at least $100,000 for emergency evacuation or repatriation. Add more if you plan to engage in higher-risk activities during your trip.
Medical travel insurance substitutes for your typical health insurance coverage when traveling abroad. Without it, you may be required to pay cash before receiving any type of medical care, which can cause serious problems that are better to avoid altogether.
Once you review plan options, just pick the one that fits your needs, make your payment, and submit your travel dates. If you need to file a claim, check to see what kind of documentation is required from the doctor or hospital who treated you during your trip.