Travel Medical Insurance and Medical Evacuation
If You Don't Go Without Health Insurance at Home, Why Take the Risk While You're Away?
Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that health insurance providers frequently deny as out of network, abandoning sick and injured travelers to potentially substandard treatment options and devastating financial losses.
Our Worldwide Trip Protector plans include:
- Coverage for medical expense due to accident or sickness while you’re away
- Hospital admission guarantee, with advance payment if required
- Physician-coordinated emergency evacuation and transportation home due to medical reasons
- Trip Cancellation or Trip Interruption due to a medical reason affecting yourself, or your spouse, child, parent, domestic partner, or other family member (even if the other person is not insured or not traveling)
Travel Medical / Medical Evacuation Benefits and Assistance Services
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Worldwide Trip Protector Gold
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Worldwide Trip Protector
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Trip Protector Lite Expanded
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Trip Protector Lite
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Emergency Accident and Sickness Medical Expense
Coverage for treatment costs when accident or illness strikes during the your trip. | $50,000
$50 Deductible | $50,000
$50 Deductible | $15,000
$50 Deductible | $10,000
$50 Deductible |
Pre-existing Medical Conditions Coverage*
(you or family)
Applies to Emergency Accident and Sickness Medical Expense (and the Medical Upgrade if this is purchased) if you purchase your plan in the required time frame after your initial trip deposit (30 days for Worldwide Trip Protector Gold, 21 days for Worldwide Trip Protector, and 14 days for Trip Protector Lite Expanded). | Included | Included | Included | |
Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains
Coverage to transport you to nearest treatment suitable by U.S. medical standards, transport you back to the U.S. with medical escort if needed, or transport your remains back to the U.S. in case of unexpected tragedy. | $1,000,000 | $500,000 | $100,000 | $100,000 |
Optional Medical
Increases your Emergency Accident and Sickness Medical Expense coverage. Depending on the plan, may also increase Evacuation and Accidental Death and Dismemberment beneftis. | $50,000 Additional
Medical Expense $25,000 Additional
Accidental Death
and Dismemberment Eliminates deductible | $50,000 Additional
Medical Expense $500,000 Additional
Evacuation/Repatriation $15,000 Additional
Accidental Death
and Dismemberment Adds
Political Evacuation Eliminates deductible Makes coverage
primary | $15,000 Additional
Medical Expense $100,000 Additional
Evacuation/Repatriation | $10,000 Additional
Medical Expense $100,000 Additional
Evacuation/Repatriation |
Optional Sports Coverage
Allows Medical coverage for bodily-contact and high-adventure sports, Baggage Delay coverage for the rental of lost or delayed sports equipment, and Trip Cancellation/Interruption coverage for greens fees or ski passes. | Applied as Emergency
Accident and Sickness
Medical Expense
for activities
otherwise excluded | Applied as Emergency
Accident and Sickness
Medical Expense
for activities
otherwise excluded | Applied as Emergency
Accident and Sickness
Medical Expense
for activities
otherwise excluded | Applied as Emergency
Accident and Sickness
Medical Expense
for activities
otherwise excluded |
Medical Assistance Services
Includes Medical Referral, Hospital Admission Guarantee (to secure hospital admission after other means have proven unsuccessful; includes advance payment if required), and inoculation information. | Included | Included | Included | Included |
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Medically Related Reasons Covered for Trip Cancellation/Interruption
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Worldwide Trip Protector Gold
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Worldwide Trip Protector
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Trip Protector Lite Expanded
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Trip Protector Lite
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Sickness
(you or family)
Sickness that affects you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners. | | | | |
Pre-existing Medical Condition*
(you or family)
If you purchase your plan in the required time frame (30 days for Worldwide Trip Protector Gold, 21 days for Worldwide Trip Protector, and 14 days for Trip Protector Lite Expanded) after your initial trip deposit, you can cancel your trip due to a pre-existing medical condition that affects you, your traveling companion (insured or uninsured), or a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured). | | | | |
Injury
(you or family)
Injury that affects you, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners. | | | | |
Death
(you or family)
Death of yourself, your traveling companion (insured or uninsured), a member of either of your families (spouse, parent, child, domestic partner, or other family relation, insured or uninsured), or either of your business partners. | | | | |
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*Coverage for Pre-existing Medical Conditions
Coverage for pre-existing medical conditions is available in Worldwide Trip Protector Gold (30-day time frame), Worldwide Trip Protector (21-day time frame) and Trip Protector Lite Expanded (14-day time frame) if you purchase your policy within the required time frame after your trip deposit date. Pre-existing Medical coverage is not purchased separately.
Coverage for pre-existing medical conditions applies to Emergency Accident and Sickness Medical Expense, the Medical Upgrade, and medically related reasons for Trip Cancellation. Even if you don't purchase your policy within the required time frame for pre-existing medical conditions coverage, the Emergency Evacuation, Medically Necessary Repatriation and Repatriation of Remains benefit covers pre-existing medical conditions.
If the medical condition and its treatment have remained unchanged for 180 days prior to the day you purchase your policy, it is not considered pre-existing and is covered as a regular medical condition for Trip Cancellation/Interruption, Emergency Accident and Sickness Medical Expense, and the Medical Upgrade even if you do not purchase your policy within the time limits mentioned above.
From U.S. State Department's Tips for Travel Abroad:
"Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000. Note that U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States.
"If your insurance policy does not cover you abroad, it is a good idea to consider purchasing a short-term policy that does..."
Medical Coverage (without Trip Cancellation)
If you need Travel Medical, Baggage Delay and Loss, Trip Delay, and limited Trip Interruption coverage without any Trip Cancellation benefit, you can take advantage of our
$0 Trip Cost alternative.
Travel Insured also offers medical-only coverage through our partnership with HCC.
If you have questions, please contact our Customer Care department 24/7 at 1-800-243-3174.