What is Medical Deductible travel insurance?

The Medical Deductible is a co-pay amount that the insured is responsible for.

Medical Deductibles typically range from $0 to $2,500, depending on the policy. A deductible can be charged per policy, per person, per occurrence, or as a combination of the three.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Medical Deductible coverage.

Looking for a policy with Medical Deductible coverage?

Enter your trip information on our custom search form. Once you receive your results, select the Medical Deductible filter to find the best policy for your trip with the coverage that you need.

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3

Medical Deductible by Provider

Last Updated: 01/09/2023
battleface battleface
Policy Name and Summary of Coverage
1

Travel Medical Single Trip

$250 per person

Deductible – $250

Deductible means the dollar amount you must contribute to the loss.

Read Hide Full Policy Wording
2

Explorer

$250 per person

Deductible – $250

Deductible means the dollar amount you must contribute to the loss.

Read Hide Full Policy Wording
3

Discovery Plan

$0 per person

Deductible means the dollar amount you must contribute to the loss.

Optional Coverage

The following will be included if elected and appropriate costs have been paid:

Travel Medical Expense Deductible: $50.

Read Hide Full Policy Wording
Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
4

ExactCare

No Medical Deductible

There is no Medical Deductible with this plan.

5

ExactCare Value

No Medical Deductible

There is no Medical Deductible with this plan.

6

LuxuryCare

No Medical Deductible

There is no Medical Deductible with this plan.

GeoBlue GeoBlue
Policy Name and Summary of Coverage
7

Voyager Choice excl US

$250 per person

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

Read Hide Full Policy Wording
8

Voyager Essential excl US

$250 per person

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

Read Hide Full Policy Wording
9

Trekker Choice excl US

$100 per person

Deductible – $100 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

Read Hide Full Policy Wording
10

Trekker Essential excl US

$200 per person

Deductible – $200 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

Read Hide Full Policy Wording
Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
11

Diplomat America

$250 per person

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

Read Hide Full Policy Wording
12

Diplomat International

$250 per person

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

Read Hide Full Policy Wording
13

Diplomat LT excl US

$250 per person

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

Read Hide Full Policy Wording
14

Diplomat LT incl US

$250 per person

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

Read Hide Full Policy Wording
GoReady Insurance GoReady Insurance
Policy Name and Summary of Coverage
15

Choice

No Medical Deductible

There is no Medical Deductible with this plan.

16

Pandemic Plus

$50 per occurrence

“Deductible” means the dollar amount You must contribute to the loss.

Read Hide Full Policy Wording
HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
17

TravelGap Voyager excl US

$250 per person

The deductible is $0, $100, $250 or $500 Per Person as selected.

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

Read Hide Full Policy Wording
18

TravelGap Excursion excl US

$250 per person

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

The deductible is $0, $100, $250 or $500 Per Person as selected.

Read Hide Full Policy Wording
MedjetAssist MedjetAssist
Policy Name and Summary of Coverage
19

Annual Membership

No Medical Deductible

There is no Medical Deductible with this plan.

20

MedjetAssist Extended Stay

No Medical Deductible

There is no Medical Deductible with this plan.

21

MedjetAssist Short Term Plan

No Medical Deductible

There is no Medical Deductible with this plan.

Seven Corners Seven Corners
Policy Name and Summary of Coverage
22

RoundTrip Choice

No Medical Deductible

There is no Medical Deductible with this plan.

23

RoundTrip Economy

No Medical Deductible

There is no Medical Deductible with this plan.

24

RoundTrip Elite

No Medical Deductible

There is no Medical Deductible with this plan.

25

Wander Frequent Traveler Plus excl US

$250 per person

Deductible, Copay and Coinsurance:

The Deductible and Coinsurance are per Insured Person. The Deductible applies per Covered Trip and Coinsurance applies per Period of Coverage. Both are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate.

Deductible:

The amount of Covered Expenses as set forth in the Schedule of Benefits that is Your responsibility and must be paid by You before the remainder of Covered Expenses will be paid by the Company. The Deductible is separate from the Copay and Coinsurance.

Read Hide Full Policy Wording
26

RoundTrip Basic

No Medical Deductible

There is no Medical Deductible with this plan.

27

Travel Medical Basic incl US

$250 per person

3.1 Deductible, Copay and Coinsurance.

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Read Hide Full Policy Wording
28

Travel Medical Basic excl US

$250 per person

3.1 Deductible and Coinsurance

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:
The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Coinsurance.

Read Hide Full Policy Wording
29

Travel Medical Choice excl US

$250 per person

3.1 Deductible and Coinsurance

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Coinsurance.

Read Hide Full Policy Wording
30

Travel Medical Plus incl US

$250 per person

Deductible, Copay and Coinsurance.

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:
The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Read Hide Full Policy Wording
31

Travel Medical Plus excl US

$250 per person

Deductible and Coinsurance.

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. In no event will the Company’s maximum liability exceed the amount set forth in the Schedule of Benefits.

Deductible:

The Deductible is set forth in the Schedule of Benefits. It is separate from and does not include Coinsurance.

Read Hide Full Policy Wording
Tin Leg Tin Leg
Policy Name and Summary of Coverage
32

Economy

No Medical Deductible

There is no Medical Deductible with this plan.

33

Standard

No Medical Deductible

There is no Medical Deductible with this plan.

34

Luxury

No Medical Deductible

There is no Medical Deductible with this plan.

35

Adventure

No Medical Deductible

There is no Medical Deductible with this plan.

36

Gold

No Medical Deductible

There is no Medical Deductible with this plan.

37

Basic

No Medical Deductible

There is no Medical Deductible with this plan.

38

Platinum

No Medical Deductible

There is no Medical Deductible with this plan.

39

USA Only

No Medical Deductible

There is no Medical Deductible with this plan.

40

Silver

No Medical Deductible

There is no Medical Deductible with this plan.

Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
41

Worldwide Trip Protector Plus

No Medical Deductible

There is no Medical Deductible with this plan.

42

Worldwide Trip Protector

No Medical Deductible

There is no Medical Deductible with this plan.

Trawick International Trawick International
Policy Name and Summary of Coverage
43

Safe Travels International excl US

$250 per person

DEDUCTIBLE PER POLICY PERIOD: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person per Policy Period. The deductible must be met, by the Covered Person before Medical Expense Benefits can be paid or reimbursed. The deductible is applied to the first eligible claim processed.

Read Hide Full Policy Wording
44

Safe Travels International Cost Saver excl US

$250 per person

Deductible per Policy Period:

$0; $50; $100; $250; $500; $1,000; $2,500 or $5,000 as selected.

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person per Policy Period. The Deductible must be met, by the Covered Person before Medical Expense Benefits can be paid or reimbursed. The Deductible is applied to the first eligible claim processed.

Read Hide Full Policy Wording
45

Safe Travels USA Cost Saver

$250 per person

DEDUCTIBLE CHOICES PER POLICY PERIOD:

In Network: $0 Per Policy Period

Out of Network: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per Policy Period

EMERGENCY ROOM ILLNESS WITH NO DIRECT HOSPITAL ADMISSION:

$200 Additional deductible per visit – Only applies when receiving care in an Emergency Room for an Illness that does result in a hospital admittance.

“Deductible” means the dollar amount of Covered Expenses that must be incurred as an out of-pocket expense by each Covered Person on a per incidence basis. The deductible must be met, by the Covered Person before Medical Expense Benefits can be paid or reimbursed. The deductible is applied to the first eligible claim processed.

Read Hide Full Policy Wording
46

Safe Travels USA Comprehensive

$250 per person

DEDUCTIBLE PER POLICY PERIOD:

In Network: $0 per Policy Period

Out of Network: $0, $50, $100, $250, $500, $1,000, $2,500, $5,000 per Policy Period

Read Hide Full Policy Wording
47

Safe Travels Outbound excl US

$250 per person

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

Read Hide Full Policy Wording
48

Safe Travels Outbound Cost Saver excl US

$250 per person

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

Read Hide Full Policy Wording