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The Best Travel Medical Insurance Plans for International Travel


Travel medical insurance is vital for anyone taking a trip outside of their home country. No matter where you’re going or how long you’ll be gone, it’s important to have a travel medical insurance policy in place in case of an emergency. But with so many options on the market, it can be difficult to know which one is right for you. Here’s everything you need to know about the best travel medical insurance so you can make the best decision for your next trip.

What is travel medical insurance?

Travel medical insurance is a type of insurance that provides coverage for medical expenses incurred while traveling. It can cover expenses such as medical evacuation, hospitalization, and prescription drugs.

With the current state of the pandemic, it is more important than ever to have travel medical insurance. There are a number of reasons for this.

First, if you become sick while traveling, you will likely need to see a doctor or go to the hospital. This can be very expensive, especially if you are in a country with high medical costs.

Tip: Don't Forget Travel Insurance
Travel insurance helps cover uncertainties during your trip, like trip cancellations, baggage loss & medical emergencies.


Second, if you have to cancel your trip due to illness, you will likely lose money on non-refundable travel expenses. Travel medical insurance can reimburse you for these costs.

Finally, if you become sick while traveling and need to be evacuated to another country for treatment, travel medical insurance can cover the cost of this.

There are a number of different types of travel medical insurance, so it is important to choose one that meets your needs. For example, some policies will only cover you for emergency medical care, while others will also cover you for routine care. Some policies will only cover you for a certain period of time, while others will cover you for the duration of your trip. It is important to read the fine print of any policy you are considering to make sure it meets your needs.

In general, travel medical insurance is a good idea for anyone traveling outside of their home country. It can give you peace of mind knowing that you will be covered in case of an emergency.

5 Best Travel Medical Insurance

Some of the best travel medical insurance policies for international travelers include:

1. World Nomads

World Nomads travel insurance is designed for travelers of all ages from over 150 countries. It offers comprehensive coverage for a wide range of activities, including adventure sports and activities.

World Nomads Pros and Cons

There are a few pros and cons to World Nomads travel insurance. The first pro is that it covers a wide range of activities, which is great for those who like to travel and do a lot of different things.

The second pro is that it is very affordable. The third pro is that it gives you the ability to cancel your trip if you need to. The fourth pro is that it covers medical expenses.

The fifth pro is that it covers lost or stolen belongings.

The first con is that it has a lot of exclusions. The second con is that it has a high deductible. The third con is that it does not cover pre-existing medical conditions. The fourth con is that it does not cover cancellations due to weather. The fifth con is that it has a limited amount of coverage.

2. IMG Global

IMG Global travel insurance is a comprehensive insurance policy that covers a wide range of potential risks while traveling. It is distinguished by its high coverage limits, its low deductibles, and its many optional coverages.

IMG Global Pros and Cons

There are a few pros and cons to consider when it comes to IMG Global travel insurance. On the plus side, the company is well-established and has a good reputation.

They offer a variety of coverage options and have a helpful customer service team.

On the downside, their premiums can be a bit high and they don’t have the widest range of coverage options.

3. Seven Corners

Seven Corners travel insurance is a comprehensive insurance plan that covers a wide range of emergencies and accidents that may occur while traveling. The plan includes coverage for medical expenses, trip cancellation, lost or stolen baggage, and more. Seven Corners also offers a variety of optional coverages, such as adventure sports coverage, that can be added to the plan for an additional cost.

Seven Corners Pros and Cons

There are a few pros and cons to Seven Corners travel insurance. One pro is that it can cover a wide variety of trip types and activities. This can be helpful if you are planning an adventurous or unusual trip.

Another pro is that it offers a variety of coverage options, so you can tailor your policy to your specific needs.

A con of Seven Corners travel insurance is that it can be more expensive than some other options. Additionally, it is not available in all countries.

4. GeoBlue

GeoBlue travel insurance is a comprehensive and affordable insurance policy that offers excellent coverage for international travelers. It is distinguished by its comprehensive coverage, which includes medical expenses, trip cancellation and interruption, lost or stolen baggage, and more.

GeoBlue also offers a variety of optional coverages, such as adventure sports coverage, that can be added to the policy for an additional cost.

GeoBlue Pros and Cons

There are a few pros and cons to consider when it comes to GeoBlue travel insurance. One pro is that the company is known for its customer service and 24/7 assistance. This can be helpful if you have any questions or problems while you’re away from home.

Another pro is that Geoblue offers a variety of plans to choose from, so you can find one that fits your needs and budget.

A con is that Geoblue’s plans can be more expensive than some other companies. Another con is that Geoblue is not available in all countries.

5. HTH Worldwide

HTH Worldwide travel insurance is a comprehensive policy that covers a wide range of potential risks when traveling. It includes medical coverage for emergency treatment and evacuation, trip cancellation and interruption, lost baggage, and more. It also offers a variety of optional coverages, such as adventure sports coverage, that can be added to the policy.

HTH Worldwide Pros and Cons

There are a few pros and cons to HTH Worldwide travel insurance. The pros include that they have a wide variety of plans to choose from, so you can find one that fits your needs.

They also have 24/7 customer support and their website is easy to use.

Some cons include that their plans are a bit more expensive than some other companies, and they don’t cover as many countries as some other companies do.

Why do I need travel medical insurance?

There are many reasons why you might need travel medical insurance. For example, if you are traveling to a country with poor medical facilities, or if you are participating in a dangerous activity, you might need insurance in case you are injured or become ill. Travel medical insurance can also provide coverage for evacuation back to your home country in the event of an emergency.

If you are planning a trip outside of your home country, travel medical insurance can help you in a number of ways.

If you have to cancel your trip due to an illness or injury, your travel medical insurance can reimburse you for non-refundable trip expenses.

Also, if you become ill or injured while on your trip, your travel medical insurance can help pay for emergency medical care, evacuation, and repatriation.

Finally, if you have to be hospitalized while on your trip, your travel medical insurance can help pay for your hospital stay.

Why you need travel medical insurance

1. To cover the costs of medical care in a foreign country.

2. To have access to emergency medical evacuation in case of a medical emergency.

3. To have access to repatriation in case of death.

4. To have access to 24/7 assistance from a team of medical and security professionals.

How much does travel medical insurance cost?

A typical travel medical insurance policy for international travel will cost between $30 and $50 per month. This will vary depending on the country you are visiting and the length of your stay.

There are many factors that affect the cost of travel medical insurance. The most important factor is the destination country.

Insurance companies consider many factors when setting rates, including the perceived risk of medical emergencies occurring while traveling and the cost of medical care in the destination country.

Other important factors include the age of the traveler, the length of the trip, and the type of coverage purchased.

If you are traveling to a country with a high risk of illness or injury, the cost of your insurance will be higher. Other factors that can affect the cost of your insurance include the length of your trip, the activities you plan to do while on your trip, and your age.

What coverage do I need?

Travel medical insurance coverage you need when traveling internationally will vary depending on your individual circumstances and needs.

However, some factors to consider when determining the appropriate travel medical insurance coverage for your trip include the length of your trip, the countries you will be visiting, the activities you will be undertaking while abroad, and your overall health and medical history.

Additionally, it is important to make sure that your travel medical insurance policy provides coverage for emergency medical evacuation and repatriation in the event that you require medical treatment or transportation not available in your destination country.

How do I purchase travel medical insurance?

There are many options to purchase travel medical insurance when on an international trip. The most common and recommended option is to purchase a policy through a reputable travel insurance company.

Some credit card companies offer travel medical insurance as a benefit of using their card. However, it is important to read the fine print of these policies as they often have many exclusions and may not cover pre-existing medical conditions.

A pre-existing medical condition is a health problem that you have before you start a new health insurance plan.

Another option is to purchase a policy through your home country’s social health insurance system. If you are a citizen of the European Union, for example, you can purchase a European Health Insurance Card (EHIC) which entitles you to free or reduced-cost medical treatment in any EU country.

Finally, some countries have reciprocal health agreements with other countries.

For example, Australia has agreements with a number of countries, including the United Kingdom, Sweden, Finland, Italy, Malta, and New Zealand. These agreements entitle Australian citizens to free or reduced-cost medical treatment in public hospitals in those countries.

Things to keep in mind when purchasing travel medical insurance

  1. Make sure the policy covers medical expenses incurred both in your home country and abroad.
  2. Check for any exclusions in the policy, such as pre-existing medical conditions.
  3. Make sure the policy covers emergency medical evacuation and repatriation.
  4. Check the policy limits for medical expenses and evacuation/repatriation.
  5. Make sure the policy covers you for the entire duration of your trip.
  6. Check if the policy has any age limits.
  7. Compare different policies to find the best coverage at the most affordable price.

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