Health Insurance For Wherever Your Journey Takes You

Your primary health insurance doesn't have a passport. Since most U.S. healthcare plans don't offer coverage overseas, experiencing a medical emergency during your trip could result in thousands of dollars worth of out-of-pocket expenses.

For peace of mind and financial protection, you can purchase a medical travel insurance policy that includes essential medical coverage for your upcoming international vacation.

Travel Medical Plans For Any Budget

International medical coverage doesn't have to be expensive. Use our innovative comparison platform to see how policies from 20+ reputable insurance providers compete on coverage and cost.

24-Hour Emergency Assistance

Every travel insurance provider found on Squaremouth provides 24-hour emergency support to help refer you to local care facilities, arrange an evacuation, and navigate the claims process.

Best Travel Medical Insurance Providers of 2024

Squaremouth ranks the three best companies for travel medical insurance based on policies sold:

View a full breakdown of the top travel medical insurance providers.

Best Travel Medical Insurance Benefits

Unexpected Medical Expenses

Get reimbursed for unforeseen hospital bills, x-rays, ambulance rides, doctor visits, prescription medication, and more.

Emergency Medical Evacuations

If you need to be medically transported to another medical facility or back home, your insurance plan can cover the costs.

Pre-Existing Condition Flare-Ups

Many insurance plans on Squaremouth extend medical coverage for individuals traveling with a pre-existing medical condition.
Compare policies to find the best medical coverage.

Medical Travel Insurance FAQs

Get our top tips and recommendations based on the most frequently asked questions from past travelers.

Can Travel Insurance Cover My Medical Expenses?

Yes! Almost all travel insurance policies on Squaremouth include medical benefits that provide coverage for overseas medical care, evacuations, and more. In fact, one of the main reasons why our customers purchase insurance for their trips is so that they're covered if they experience a medical emergency during their trip.

The most important medical benefits to keep a lookout for when searching for a plan include Emergency Medical and Medical Evacuation. If you have an existing medical condition that you want coverage for, you should look for plans that also include the Pre-Existing Condition benefit.

How Much Travel Health Coverage Do I Need?

The ideal coverage limits will depend heavily on your trip's itinerary, your destination, the length of time you'll be away, and how concerned you are about a medical emergency impacting your trip.

Regardless of your trip's details, we recommend looking for a travel insurance policy with at least $50,000 in Emergency Medical coverage, and at least $100,000 in Medical Evacuation coverage. If your trip involves higher risk, you will likely want to increase those coverage limits even further.

How Much Does Travel Medical Insurance Cost?

The average policy for a travel medical insurance policy will typically range from $75-$125. Factors that travel insurance providers will take into consideration when calculating your premium include the ages of travelers on your plan, your trip's length, the amount of coverage a plan offers, and the type of coverage you choose.

Most travelers opt for comprehensive travel insurance plans. These plans are higher in price, but offer other benefits in addition to medical, including Trip Cancellation and Trip Interruption coverage. These plans cost roughly 5-10% of your total trip costs. Among Squaremouth customers, the average cost of a comprehensive plan is approximately $400.

Will My U.S. Healthcare Plan Cover International Travel?

Most primary health insurance plans, such as Medicaid or an employer sponsored policy, do not offer coverage outside the United States. That means you're responsible for any expenses related to a medical emergency abroad.

Travel insurance offers protection against these expenses, saving travelers thousands of dollars in the event they file a medical claim.

Is Travel Medical Insurance Worth It?

Yes, travel medical insurance is almost always worth the expense. Recent data shows that the average payout for a medical claim is approximately $1,500. In other words, in the event you need to file a claim, having travel health insurance can save you thousands of dollars in out-of-pocket expenses.

For a relatively small fee, you can have peace of mind knowing you're covered if you experience an unexpected health crisis while traveling. Comparing plans is the best way to find a policy that fits your coverage needs and your budget.

Does Travel Medical Insurance Cover Pre-Existing Medical Conditions?

The majority of travel insurance plans exclude pre-existing conditions from their coverage. However, some travel insurance companies offer plans that include a Pre-Existing Condition waiver, which essentially waives any pre-existing condition exclusions and extends medical benefits to the policyholder.

Since Pre-Existing Condition coverage is a time-sensitive travel insurance benefit, you will need to purchase your policy at least 10-14 days after making your initial trip payment. Your provider may request medical documents regarding the recent history of your condition before the coverage begins.

How Do I Find the Best Travel Medical Insurance Plan?

You can find travel insurance from a wide range of sources, including credit cards, travel suppliers, and third-party travel insurance companies. To find the best travel insurance coverage for your trip, we recommend taking the time to compare multiple insurance plans that meet your budget and travel needs. Start by using a travel insurance comparison site like Squaremouth.