What is Emergency Medical?

Emergency Medical can reimburse the costs to treat a medical emergency during a trip.

The Emergency Medical benefit covers treatment for an unexpected illness or injury while traveling, however, this benefit will not provide coverage for routine checkups or physicals. Squaremouth recommends a policy with at least $50,000 in Emergency Medical coverage for international travel, and at least $100,000 for cruises or travel to a remote location.

There are two types of Emergency Medical coverage: Primary and Secondary. Primary coverage will pay a claim first, regardless of any other health insurance a traveler may have. Secondary coverage will pay a claim after a traveler has filed with their primary health insurance provider.

Travelers are required to pay for medical care out-of-pocket, and then file a claim for reimbursement when they return home. In certain situations, a provider may pre-authorize payment of medical bills under the Emergency Medical benefit, but it is not guaranteed.

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

Looking for a policy with Emergency Medical coverage?

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

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Each policy's Emergency Medical coverage is summarized below. View the full benefit wording for all policies here.

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