Travel medical insurance

Travel medical insurance provides short-term health coverage for travelers outside their home country, protecting against unexpected medical expenses. Most travel medical insurance policies cover emergency doctor visits, hospital stays, and ambulance services; for example, Allianz and IMG list these benefits in their brochures.

U.S. Providers like GeoBlue and Seven Corners set policy maximums between $50,000 and $2 million per trip.

Travel medical insurance typically excludes pre-existing condition treatments, with AIG and Trawick International specifying this restriction. Policies require proof of international travel such as flight itineraries or visa documentation for claims.

Travel medical insurance often reimburses eligible out-of-pocket costs after a covered event; Tokio Marine HCC lists claim forms and receipts as needed evidence. Coverage includes emergency medical evacuation to the nearest adequate facility; Medjet and WorldTrips detail air ambulance provisions up to policy limits.

Insurers usually offer 24/7 multilingual support hotlines, as found with AXA Assistance USA and Travelex Insurance Services, as confirmed by YourInsurance.info. Many plans specify geographic exclusions, with some (such as Patriot America) not covering care in Iran or North Korea.

Premiums depend on traveler age, destination country risk level, and length of stay; data from Squaremouth show average prices range from $40–$200 for two-week trips. Some embassies–such as Schengen area countries–require travelers to provide proof of travel medical insurance for visa approval.