Compare Travel Medical Insurance Plans & Prices

Ideally, yes, and it’s especially important to have travel insurance while traveling abroad.

Many people assume their health insurance works as normal overseas, but not every plan will cover you while you are out of the country. Domestic policies are designed to work “in-network”, which is typically limited to U.S. hospital systems. This means your health insurance will rarely cover foreign medical treatment, dental interventions, or expensive emergency medical evacuations to international hospitals. This is where travel insurance can bridge the gap and keep you protected.

No, medical tourism is excluded from nearly all travel insurance policies. If you plan to travel for medical tourism purposes, it’s best to contact your domestic health insurance provider to understand how your coverage may assist you abroad, and to speak with the foreign hospital about insurance options available to you locally.

Medical travel insurance is not usually mandatory for most countries; however, there are a few destinations that require travel insurance for entry. That said, we always recommend buying travel medical insurance when traveling abroad, as Medicare, Medicaid, and traditional U.S. health insurance are not accepted overseas.

Yes, all plans sold on Squaremouth include medical coverage for COVID-19 and treat it as if it were any other illness.

Usually, travel insurance excludes pre-existing conditions from coverage, but some plans can offer coverage for these health issues if you purchase your plan in time to qualify for a pre-existing conditions waiver. Here is a list of our top recommended plans that cover pre-existing conditions.

Some medical travel insurance plans will include emergency dental coverage, whereas others may exclude it. When getting a quote via Squaremouth, you can select and filter by plans that offer emergency dental coverage to ensure your plan has this coverage.

If you become sick or injured while traveling and incur medical expenses, you'll need to file a claim with your travel insurance provider. This process varies by insurer, but typically includes the following steps:

1. Contact Your Provider: Squaremouth doesn't process your claims, so you should contact your insurance provider. They will be able to confirm your coverage and explain the next steps for filing your claim.
2. Gather Documentation: You'll need proof to support whatever claim is made against your policy. Collect relevant medical records, itemized bills from healthcare providers, proof of payment, doctor's notes, and any other documents that might be relevant to your claim.
3. Complete a Claims Form: This step can often be completed through your provider's website or mobile app. Fill out the form accurately and attach all required documentation.
4. Submit Your Claim: Review and submit your claim. Be sure to monitor its progress and look for requests for additional information. Medical claims often take 4-6 weeks to process.
5. Appeal (If Necessary): If your claim is denied, you have the right to appeal. There is no guarantee that an appeal will be successful. Squaremouth can act as a claims advocate and mediator if you need assistance with your appeal.

Squaremouth’s comparison tool offers a Schengen visa filter that lets you see only plans that meet the Schengen visa requirements. Our tool is the quickest way to sort through hundreds of travel insurance policies to find the ones that are valid for Schengen Visa applications. It includes policies with at least €30,000 of emergency medical and medical evacuation coverage for countries in the Schengen area. These policies also come with a Schengen Visa letter to present to visa officials that outlines your coverage, dates, and countries covered.

Most standard travel medical policies have no deductible, but many offer the option to add a deductible if you want to reduce the overall cost of your policy.

Deductibles are more common on annual multi-trip policies, but if you need an annual travel insurance plan with no deductible, Squaremouth offers several options.