Travel health insurance policies provide coverage for medical care abroad if you become ill, injured, or encounter other issues while on your journey.
Your health insurance may also cover the cost of emergency evacuation if you require transportation to a hospital or other medical facility outside your destination.
Seven Corners, an Indiana-based insurance provider established in 1993, offers a selection of travel insurance products to travelers. Additionally, it provides group travel plans to businesses, non-profits and U.S. government agencies traveling abroad on official business.
RoundTrip provides two plans to suit the needs of most travelers: RoundTrip Basic and RoundTrip Choice. The budget-minded RoundTrip Basic covers 100% of your trip costs, while the premium RoundTrip Choice boasts higher limits and additional coverage features.
Both plans offer cancellation and emergency medical coverage. RoundTrip Choice also offers optional upgrades like hurricane warning and rental car coverage.
Seven Corners provides standard trip cancellation and emergency medical benefits in addition to travel delay and baggage loss coverage. This option is essential for most travelers as airline delays can result in unexpected expenses.
Seven Corners also provides optional sports and golf equipment coverage to reimburse you in case of loss, theft or damage. Although not available with all plans, this coverage can come in handy when traveling to a destination where replacing these items would be expensive or impossible.
Generali Global Assistance
No matter if you’re taking a trip for work or pleasure, having travel health insurance is essential to help cover unexpected medical costs and emergencies. Generali Global Assistance offers three distinct plans tailored to different traveler requirements.
Standard, Preferred and Premium plans all provide coverage for trip cancellation/interruption, travel delay, baggage damage/loss/theft, emergency medical services and dental needs, as well as transportation/assistance in an emergency. Plus, this plan also protects a traveler’s personal effects up to the policy limit.
They offer a 10-day review period during which you can cancel the plan for a full refund, provided you have not left for your trip or filed any claims. This is an ideal way to test out the plan before committing.
Standard and Preferred plans both provide $250,000 in secondary medical coverage, which is an impressive amount. Unfortunately, their primary coverage does not extend coverage to preexisting conditions. Fortunately, Generali offers an optional rider that will reimburse up to 100% of covered emergency medical expenses if you have a preexisting condition.
World Nomads is an innovator, having designed their business model specifically for digital nomads. Their range of travel insurance plans was tailored to meet the needs of long-term travelers and backpackers alike.
They provide a range of coverage options, from emergency medical costs to trip cancellation and more. Their prices are competitive and you have the flexibility to customize your policy at any point – something which sets them apart from other travel insurers.
Adventure sports enthusiasts will want to opt for the Explorer Plan. This plan offers all of the activities included in the Standard Plan plus extra coverage for snow, water and mountain activities.
World Nomads offers a collision damage waiver, which helps recover fees for rental cars and other transportation abroad. This makes them one of the top travel insurance options for digital nomads.
They’ve also added Covid testing and quarantine coverage to their policies, which is beneficial for travelers with infections like Covid or other. However, you will need to purchase an additional policy if you plan to travel in countries where COVID-19 virus outbreaks are common.
Nationwide Travel Insurance has a long and distinguished history of providing travelers with the finest travel protection. Their selection of products includes cruise insurance, annual trip coverage and single trip coverage options; but its most popular plan is RoundTrip: an all-inclusive medical coverage package tailored for globetrotters with large wallets.
The company boasts an impressive customer service department and engaged online community. Their website offers helpful travel tips, videos covering everything from planning a vacation to buying a rental car. Some of their more specialized offerings include concierge services, identity theft resolution services and pet relocation services – plus they have an unbeatable 10-day free trial!
The company has a well-designed website filled with useful resources and tips, such as a traveler’s guide with detailed descriptions of each country they operate in, an extensive directory of local hospitals and searchable databases of their own medical records. Furthermore, you can get a no-obligation quote for the policy that best meets your needs on this platform. Furthermore, the interface is user friendly, and customer support staff is available 24 hours a day, seven days a week.
Travelex provides a range of insurance plans for travelers, such as single trip, annual and multi-trip policies. These policies offer medical coverage and trip assistance services in case of cancellation or interruption.
Travelex travel insurance plans offer coverage for domestic trips up to 14 days, while Select and America plans are ideal for longer journeys. With no age limitations on these policies, these policies make ideal choices for families as well as seniors.
There is also a policy that provides trip cancellation protection of up to 100% of prepaid travel expenses, which can help save you money in the long run. It also covers emergency medical and dental expenses, lost or delayed luggage, and other benefits.
Travelex offers one of the shortest look-back periods for preexisting medical conditions – only 30 days! Additionally, they provide a medical condition exclusion waiver which may help cover your expenses while abroad.
Allianz is one of the world’s leading travel insurance providers, offering plans with various coverage levels. There are single-trip, annual and backpacker policies available so you can pick which one best meets your requirements.
Allianz offers several travel insurance policies tailored to travelers with chronic or frequent health issues, such as the Allianz Med Evac plan. This coverage provides worldwide emergency medical transportation, 24-hour assistance services, concierge services and more.
Additionally, travelers have the flexibility to choose which benefits they desire and upgrade their coverage at any time during their trip.
Unfortunately, Allianz doesn’t provide many additional options such as Cancel For Any Reason (CFAR), an upgrade that many other travel insurers provide.
If you’re searching for a more comprehensive travel insurance policy, some other providers to consider include Safetywing, InsureMyTrip and Pilot. All these companies provide multiple plans for various trips with established reputations in the industry.
AIG Travel Guard
AIG Travel Guard provides a range of trip insurance plans to suit the needs of different travelers. Their five plans provide benefits like trip cancellation, baggage delay and medical expense coverage.
AIG also offers a comprehensive annual plan designed for frequent travelers that covers multiple trips throughout the year. It includes coverage for trip cancellation, missed connection fees, baggage delay and medical and dental expenses.
Travelers looking for more comprehensive protection may want to consider AIG Travel Guard Deluxe or Plus. These policies provide $100,000 Medical Insurance and $1 million Medical Evacuation coverage when taking overseas trips.
For domestic or regional trips, the Essential Plan is an excellent value and includes $15,000 in medical coverage. Plus, this policy also provides $500 dental expense coverage.
AIG Travel Guard also offers optional bundles that can extend your policy coverage in certain areas, such as pet, wedding and adventure sports.
HTH Travel Insurance
HTH Travel Insurance offers a selection of travel medical and trip protection plans to provide coverage in case something goes awry while you’re away. Whether you’re taking vacation, on business, or studying abroad, having an effective plan in place can guard against unexpected medical costs and lost luggage.
They provide a selection of options for short-term trips, annual travel and long-term international coverage. Their comprehensive travel medical plans are renowned for covering all medical expenses in case of an emergency – including hospitalization and surgery.
TravelGap plans offer 100% coverage of eligible inpatient and outpatient medical, surgical and prescription drug costs up to the policy limits. They even include coverage for preexisting conditions and can be purchased for trips up to six months long as you have a primary health insurance policy that includes travel medical coverage.
TripProtector plan offers a comprehensive package that includes medical protection, trip cancellation and baggage coverage as well as global intelligence tools to identify, access and pay for healthcare services across 190 countries. Plus it comes with bedside visit cost reimbursement plus news alerts and drug translation services.