Business Travel Insurance from $1.25/Day
Instant coverage for trips abroad. Protect yourself from million-dollar medical bills. Compare A-rated carriers in 5 minutes.
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Instant coverage for trips abroad. Protect yourself from million-dollar medical bills. Compare A-rated carriers in 5 minutes.
If you're heading abroad for work, you need to know your health is covered. Your regular health insurance probably won't protect you outside your home country. A simple accident or sudden illness on a business trip can quickly turn into a huge financial problem. This isn't about trip cancellation. This is about making sure a medical emergency doesn't derail your career or your company's finances. It's essential health coverage for when you're far from home. Think about it: a single day in a hospital in places like Switzerland or Singapore can easily cost over $5,000. Complex surgeries or emergencies? Those bills can hit $50,000 to $100,000. Most U.S. health plans, including Medicare, simply don't cover you overseas. Without the right travel medical insurance, you're personally on the hook for every penny. A medical event abroad is truly the biggest financial risk any international business traveler faces. Tower Hill Travel Insurance makes it easy. You can compare and buy plans from top-rated carriers like IMG, Trawick International, and WorldTrips in less than five minutes. We're a licensed Texas agency (#2608479TX), offering instant access to policies with up to $2,000,000 in medical coverage, medical evacuation, and 24/7 global assistance. Get an instant quote, buy your policy, and have the documents in your email before you even finish packing.
If you're heading abroad for work, you need to know your health is covered. Your regular health insurance probably won't protect you outside your home country. A simple accident or sudden illness on a business trip can quickly turn into a huge financial problem.
This isn't about trip cancellation. This is about making sure a medical emergency doesn't derail your career or your company's finances. It's essential health coverage for when you're far from home.
Think about it: a single day in a hospital in places like Switzerland or Singapore can easily cost over $5,000. Complex surgeries or emergencies? Those bills can hit $50,000 to $100,000. Most U.S. health plans, including Medicare, simply don't cover you overseas. Without the right travel medical insurance, you're personally on the hook for every penny. A medical event abroad is truly the biggest financial risk any international business traveler faces.
Tower Hill Travel Insurance makes it easy. You can compare and buy plans from top-rated carriers like IMG, Trawick International, and WorldTrips in less than five minutes. We're a licensed Texas agency (#2608479TX), offering instant access to policies with up to $2,000,000 in medical coverage, medical evacuation, and 24/7 global assistance. Get an instant quote, buy your policy, and have the documents in your email before you even finish packing.
Our Top Pick for Business Trips Abroad
For U.S. residents traveling internationally for work, we highly recommend the IMG Patriot International plan. It strikes a great balance: comprehensive medical protection, excellent travel assistance, and a price that just makes sense. Premiums usually run from $1.50 to $4.00 per day for a traveler in their 30s or 40s, giving you up to $2,000,000 in medical benefits. Two big reasons business travelers love it: a global provider network to help you find trusted care anywhere, and coverage for the acute onset of pre-existing conditions. Just remember, this plan doesn't cover trip cancellation or lost baggage. It's purely a travel medical policy. But for the biggest risk you face—a medical emergency—this plan offers superior protection. Compare and buy it in under 5 minutes at Tower Hill.
What This Coverage Includes — All the Details
This insurance is built to cover unexpected medical emergencies when you're traveling internationally. Key benefits include emergency medical expenses, with limits typically from $50,000 to $2,000,000. That covers everything from doctor visits to hospital stays and prescription drugs. Emergency Medical Evacuation is also a huge part of it, often with benefits up to $1,000,000. This pays to get you to the nearest proper medical facility or even back home if needed. Plans also include Repatriation of Remains ($25,000 to $50,000) and Accidental Death & Dismemberment (AD&D) benefits. What's not covered? Routine care, preventative check-ups, and most pre-existing conditions. However, sudden flare-ups (acute onset) are often covered as an exception. This policy is your financial shield against huge health costs while you're on the road.
How Much Does Business Travel Insurance Cost? (2025 Pricing Guide)
The cost depends mainly on your age, how long your trip is, your chosen deductible, and your total coverage limit. For a standard plan outside the U.S., here are typical daily rates: A 35-year-old pays $1.25–$2.75/day. A 50-year-old pays $2.00–$4.50/day. A 65-year-old pays $4.00–$9.00/day. You can significantly lower your premium by picking a higher deductible; going from $0 to $500 can save you 25% or more. The policy maximum also matters. A $50,000 plan costs less than a $1,000,000 plan, but we suggest at least $100,000 for most international trips. For instance, a 45-year-old going to Europe for 14 days with a $250 deductible can expect to pay $35–$60 total for a plan with a $500,000 medical maximum.
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How to Buy — Step-by-Step (It Takes 5 Minutes)
Buying coverage is quick and completely online. First, head to our secure quote page. Enter your age, home country (USA), your destination, and your travel dates. You'll instantly see live, comparable prices from our A-rated carriers: IMG, Trawick International, and WorldTrips. Next, check out the coverage details and pick your desired policy maximum and deductible. Once you've chosen your plan, you'll fill out a simple application and pay securely with a Visa, Mastercard, or American Express. Your policy documents, including your insurance ID card, land in your email inbox right away. Coverage starts on the effective date you picked during purchase.
Plan Comparison at a Glance
| Plan | Starting Price |
|---|---|
| IMG Patriot International | From $1.50/day |
| Trawick Safe Travels International | From $1.10/day |
| WorldTrips Atlas International | From $1.25/day |
Prices vary by age, dates, and deductible. Get your exact quote →
Common Exclusions — What to Look Out For
Knowing what's not covered is just as important as knowing what is. Travel medical insurance isn't a substitute for your primary health plan. It won't cover routine care like physicals, dental cleanings, or eye exams. It also excludes treatment for most pre-existing conditions. The exception is an 'acute onset'—a sudden, unexpected flare-up needing immediate medical attention. This is a crucial benefit, but it doesn't cover ongoing or planned treatments. Also, injuries from professional sports or certain adventure activities might be excluded unless you add an optional rider. This insurance covers your health, not your laptop. Lost baggage or electronics aren't included. Reading the policy's Summary of Benefits for 3 minutes before you buy can prevent 90% of claim disputes.
Why 60,000 Travelers Trust Tower Hill
As a licensed Texas insurance agency (#2608479TX), we’ve helped over 60,000 clients get reliable coverage for trips to 151 countries. We're different from buying directly from a single carrier. Tower Hill is an independent agency. We show you transparent, side-by-side comparisons of plans from the most trusted names in the industry—IMG, Trawick International, and WorldTrips. All are rated A- or A+ by AM Best. This means you get the right plan for your specific trip and budget, not just the single option one company offers. Our AI assistant, Aria, can help you narrow down choices, and our licensed advisors are here to help you buy with confidence. Get the right medical coverage so you can focus on your business.
Expert Tips from a Licensed Advisor
Buy Before You Leave — Not at the Airport
Get your policy before you even leave your home country. Many plans require you to buy before your trip starts to get full benefits and avoid waiting periods. This ensures your coverage is active the moment you land.
Choose a Higher Deductible to Lower Your Premium
A deductible is what you pay before your insurance kicks in. Choosing a $500 or $1,000 deductible instead of $0 can cut your total premium by 20-40%. For a healthy business traveler on a short trip, this is often a smart financial move.
Confirm 'Acute Onset' Coverage is Included
If you have a stable, controlled pre-existing condition, make sure your plan covers the 'acute onset' of that condition. This gives you a safety net for sudden, unexpected emergencies related to it. Those bills can easily top $100,000.
Save Your Policy & 24/7 Assistance Number
In an emergency, you won't have time to dig through emails. Screenshot your insurance ID card and save it as a favorite photo on your phone. Put the 24/7 assistance phone number in your contacts. Call them before getting care, if you can, for a referral to a network hospital.
Check if Your Company Reimburses the Cost
Many companies see travel medical insurance as a reimbursable business expense. It protects both you and the company from huge liability. Check your corporate travel policy. For less than $50 on a two-week trip, it's essential protection and often covered.
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Common questions about travel insurance for business trips abroad
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