During this pandemic-induced shift to remote work, people have been relocating in droves, some to leave cramped spaces in the city, some to flee to more affordable areas of the country, and some simply taking advantage of the freedom of no longer being tethered to a physical office. For some, this trend is evolving into a plan to make remote work a more permanent situation to allow for travel and exploration. You may be one of these digital nomads (or contemplating it), or you may be seeking other opportunities to explore the world, such as backpacking abroad, temporary work abroad, or serving as a missionary in another country. No matter your circumstance, if you plan to travel abroad, travel medical coverage is essential.
For people taking a single trip or vacation to another country, a comprehensive travel protection plan may provide the needed coverage, which includes medical coverage and medical evacuation coverage in addition to the traditional Trip Cancellation benefit.
However, for a longer trip or extended travel abroad, or if trip cancellation protection is not a priority, a travel medical insurance plan may better suit your needs.
Travel Medical Insurance Plan: Benefits and Pricing
Key benefits of our travel medical plans include:*
- Accident and Sickness Medical Expense Coverage (including Emergency Room and Urgent Care visits)
- Emergency Medical Evacuation
- Covid-19 Coverage
- Acute Onset of Pre-Existing Condition**
- Emergency Dental
- Outpatient Physical Therapy or Chiropractic Care
- Accidental Death & Dismemberment
- Trip Interruption (available on most plans)
- Political Evacuation
Be sure to look for a plan with coverage for Covid-19 in case you are diagnosed or require a test. Not all plans offer this coverage. (The plans from USI Travel Insurance Services all have options with Covid coverage. Contact our customer service team to understand your options and choose your plan.)
Travel medical plans are priced per day, according to the age of the traveler. Our plans cover travelers for travel as little as 5 days abroad and up to 364 days. Because there is no Trip Cancellation coverage like on a comprehensive travel protection plan, the cost is generally much lower than single trip travel insurance.
Our WorldMed and InterMedical plans are designed for individuals traveling outside the U.S. For people visiting the U.S., consider our Visit USA Healthcare plan. And if you’re studying abroad—whether in the U.S. or elsewhere—check out our Study USA Healthcare plan. For assistance in comparing our plans and choosing the best plan for your needs and budget, contact our friendly customer service team at [email protected] or (800) 937-1387.
*As with any insurance plan, read the Description of Coverage to understand the full scope of coverage, benefits, exclusions and plan terms and conditions.
**This policy does not cover pre-existing conditions, except charges resulting directly from an Acute Onset of Pre-existing Condition subject to the limits set forth in the Schedule of Benefits and Limits. A pre-existing condition is any condition:
- for which medical advice, diagnosis, care, or treatment was recommended or received within 6-18 months (see plan for specific timeframe) prior to your effective date of coverage
- which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 6-18 months (see plan for specific timeframe) prior to your effective date of coverage
- that existed (with reasonable medical certainty) with 6-18 months (see plan for specific timeframe) prior to your effective date of coverage, whether or not it was known to you
An acute onset of a pre-existing condition is a sudden and unexpected outbreak or recurrence of a pre-existing condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent care.
The acute onset of a pre-existing condition must occur after the effective date of the policy. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. Chronic or congenital conditions, complications or consequences or chronic or congenital conditions, or conditions that gradually become worse over time are excluded from coverage.