Travel Insured International helps protect you from unexpected medical costs while you travel. Since 1994, we’ve supported travelers with medical expense and evacuation benefits that may help during a health emergency away from home. Whether you're heading overseas or exploring closer to home, our travel protection plans offer access to essential care and transportation when you need it most. With support from experienced teams and 24/7 non-insurance assistance services, you can feel more secure while you travel. Let Travel Insured help you prepare, so you can focus on the journey ahead, not the what-ifs.
Please Note: Each of our Worldwide Trip Protector plans include the Accident & Sickness Medical Expense and Medical Evacuation coverage described below, as well as Trip Cancellation and Interruption and Baggage Delay, Loss, Theft, and Damage. You can also view our complete Plan Comparison Charts and Benefit Explanations.
Why purchase travel protection for unexpected medical expenses?
Travel Insured provides coverage for medical expenses incurred during travel, particularly outside of the U.S., that your health insurance provider may not cover. With the Accident & Sickness Medical Expense benefit included in our plans, you can access quality medical treatment while traveling and help protect yourself from unexpected costs.
Our Worldwide Trip Protector plans include:
- Coverage for medical expense due to accident or sickness while you’re away
- Trip Cancellation or Trip Interruption due to a medical reason affecting you, your spouse, child, parent, domestic partner, or other family member (even if they are not traveling or insured).
- Non-Insurance Travel Assistance Services such as:
- Hospital admission guarantee, with advance payment if required
- Physician-coordinated emergency evacuation and transportation home
Medical Expense / Medical Evacuation Benefits | |||
Worldwide Trip Protector | Worldwide Trip Protector | Worldwide Trip Protector | |
| BENEFIT | MAXIMUM BENEFIT AMOUNT | ||
Accident and Sickness Medical Expense
| $500,000 (Sublimit: $750 Dental Expense) | $250,000 (Sublimit: $750 Dental Expense) | $50,000 (Sublimit: $750 Dental Expense) |
Medical Evacuation and Repatriation of Remains
| $1,000,000 | $500,000 | $200,000 |
Optional Extreme Sports Medical Upgrade | Available | — | — |
Some Medically Related Reasons Covered for Trip Cancellation/Interruption | |||
Worldwide Trip Protector | Worldwide Trip Protector | Worldwide Trip Protector | |
Sickness or Injury
| ✓ | ✓ | ✓ |
Death
| ✓ | ✓ | ✓ |
Non-Insurance Medical Assistance Services | |||
Worldwide Trip Protector | Worldwide Trip Protector | Worldwide Trip Protector | |
| Medical or Legal Assistance
| Included | Included | Included |
Hospital Admission Guarantee
| Included | Included | Included |
| Prescription Drug/Eyeglass Replacement
| Included | Included | Included |
Pre-existing Medical Condition Exclusion Waiver
The Pre-existing Medical Condition exclusion will be waived if you purchase your plan within the time sensitive period (stated in your plan document) and you are medically able and not disabled from travel at the time of purchase. This waiver applies to medically related Trip Cancellation and Interruption reasons.
Please read the plan document for full details on this exclusion waiver.
From U.S. State Department's Traveler's Checklist:
Get Insured: The U.S. State Department recommends travelers purchase travel insurance for trips outside the U.S. Many foreign medical facilities may require up-front cash payment, and some U.S.-based medical insurance plans, including Medicare, may offer limited or no international coverage.
Coverage and benefit eligibility may vary by state.
FAQs
What is covered under Medical Expense and Medical Evacuation benefits?
The Accident & Sickness Medical Expense benefit helps with costs related to unexpected illness or injury while traveling, such as hospital stays, outpatient care, and emergency treatments. The Medical Evacuation & Repatriation of Remains benefit may cover medically necessary transportation to another medical facility capable of treating your severe or life threatening condition(as determined by the attending physician and the non-insurance travel assistance partner) or even transport back home if continued treatment is deemed necessary. This coverage can also include repatriation of remains, which can help reduce emotional and financial burdens for your family in the unlikely event of death.
How does Medical Evacuation work?
If you're seriously injured or become ill on your trip, our non-insurance assistance partner can help coordinate a medical evacuation and pay for your transfer to the closest appropriate medical facility if none are available in your immediate area and your condition is acute, severe, or life threatening. Our non-insurance assistance provider works with professional coordination teams to manage these logistics.
What are the benefits of purchasing travel protection for medical emergencies?
Medical emergencies can be expensive—especially abroad. Travel protection helps protect you from those costs and gives you access to 24/7 non-insurance assistance. This can help you find care quickly and confidently. In some plans, coverage may also extend to pre-existing conditions if certain requirements are met.* You’re not just covered financially. You’re supported by a team that can guide you through emergencies as they happen.
*Losses due to, arising or resulting from pre-existing medical conditions are normally excluded. However, such losses can be covered if you qualify for the Pre-Existing Medical Condition Exclusion Waiver.
Can my regular health insurance cover me abroad?
Most U.S.-based health plans offer little or no coverage while you’re traveling internationally. Some may only reimburse later or require care from in-network providers, which can be difficult to find abroad. Travel insurance for medical expenses and evacuation is designed to help with this and provide real-time support if you need it.
Could I need medical evacuation coverage if I’m not traveling to a remote area?
Even in well-developed cities, you may need evacuation if the local facility lacks the equipment or specialists required to treat your condition. Evacuation benefits are based on your medical needs. That could make this protection important for any traveler.
Does medical evacuation only cover transportation to the hospital?
Medical evacuation may include additional support, such as return transportation to your home country. It can also cover the coordination of your transfer and help you receive care from qualified providers throughout the process. Please see the plan document for the full benefit offering.
Can travel insurance cover pre-existing conditions?
Our travel protection plans can offer coverage for pre-existing conditions, but certain requirements must be met. You need to purchase the plan within a set number of days from your initial trip deposit and be medically able to travel at that time to waive the exclusion. Always review your plan document carefully to understand what qualifies.
Can I purchase medical evacuation coverage after an emergency occurs?
No, travel protection must be purchased before your trip begins. Planning ahead helps you be covered and supported if the unexpected happens.
How can Travel Insured International help me when I travel?
Travel Insured International offers travel protection plans that include robust medical expense and evacuation benefits. Whether you're traveling for business, leisure, or study abroad, our plans may help you access care quickly and get reimbursed. Plus, our 24/7 non-insurance assistance teams are available to support you throughout your journey, so you’re never alone when you need help most.
For full details on coverage, limitations, and exclusions, please refer to your plan document.
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