Question from airfarewatchdog.com:
“Which policy/company provides the best/max primary travel medical/injury insurance?”
Answer by Squaremouth:
We considered factors such as destination, age, and residency, to find the best primary medical travel insurance policy for different types of travelers.
We always recommend the least expensive policy that meets a traveler’s needs. In this case, we have selected the least expensive policies that offer at least $100,000 in primary medical coverage.
*For the purpose of these quotes, we used the information of one traveler, age 35, residing in Alabama, and taking a two-week trip to Spain, unless otherwise specified.
Best Primary Medical Coverage by Destination
A traveler’s destination helps determine the amount of medical coverage they should consider. For example, when traveling to a remote destination, Squaremouth recommends at least $100,000 in emergency medical coverage.
For a traveler visiting a remote location, like South Africa, Tin Leg’s Economy policy, offering $100,000 in primary medical coverage, is the least expensive option.
For a non-US resident visiting the United States, the least expensive option is Trawick’s Safe Travels USA, which also offers $100,000 in primary medical coverage.
Best Primary Medical Coverage by Age
While destination determines how much medical coverage is needed, age helps determine the price of a policy. Because different travel insurance policies market their product to different travelers based on their demographics, the best policy for a 35 year old traveler may not be the best policy for a 65 year old traveler.
For a 35 year old traveler, the least expensive policy is Trawick’s Safe Travels International excluding US.
For a 65 year old traveler, Tin Leg’s Economy policy is the least expensive option.
Those traveling with a family may find that some policies cater to them with “kids-free” pricing. For these travelers, Tin Leg’s Luxury policy, offering $500,000 in primary medical coverage, is the least expensive option.
Best Primary Medical Coverage by Trip Cost
Travelers who are looking to insure the cost of their trip will find that there is a direct correlation between trip cost and premium.
For a traveler insuring a $5,000 trip cost, the least expensive policy is Tin Leg’s Economy.
For a traveler with no trip cost, the least expensive policy is Trawick’s Safe Travels International excluding US policy.
Best Primary Medical Coverage by Trip Type
Travelers who take multiple trips throughout the year may find an annual travel insurance policy to be the most economical option.
For a traveler who is insuring multiple trips on an annual policy, APRIL’s Multi-Trip Plan Elite, offering $100,000 in primary medical coverage, is the least expensive option.