International Travel Insurancefor Americans
Your US health insurance stops at the border. A single medical emergency abroad can cost $50,000–$250,000 out of pocket.
Get emergency medical, evacuation & trip cancellation coverage from A-rated carriers — from $1.35/day. Compare plans and buy online in under 5 minutes.
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Compare All Plans
IMG · WorldTrips · Trawick — side by side, real prices
IMG Patriot International
Up to $1M medical
WorldTrips Atlas International
Up to $2M medical
Trawick Safe Travels Intl
Up to $2M medical
No email required to compare plans
Why International Travel Insurance Is Essential
Your US health plan stops at the border. Foreign hospitals bill at full rate — and they collect before you board the plane home.
Emergency Hospital Abroad
$15,000–$100,000
Foreign hospitals bill in full — no insurance agreements with your US carrier. You pay upfront.
Medical Evacuation
$50,000–$250,000
Emergency airlifts from remote areas or back to the US cost more than most people's annual salary.
Trip Cancellation
$2,000–$20,000
Non-refundable flights, hotels, and tours lost due to illness, weather, or family emergency.
Baggage & Delays
$500–$3,000
Lost luggage, delayed bags, and 12+ hour travel delays add up fast without coverage.
International travel insurance costs $1.35–$5/day.
That's less than a coffee. It's the only thing standing between a great trip and a six-figure medical bill.
Get My Price NowCompare International Travel Insurance Plans
Three A-rated carriers. All include emergency medical, evacuation & acute onset pre-existing coverage. Pick the one that fits your trip.
IMG
Patriot International
From ~$1.35/day
Max Medical
Up to $1,000,000
Deductible
$0 – $2,500
Pre-Existing
Acute onset covered
Network
IPA Global Network
- Up to $1M emergency medical
- Trip interruption coverage
- Acute onset pre-existing coverage
- Emergency medical evacuation
- Prescription drug coverage
- Telemedicine included
- 24/7 multilingual assistance
- 150+ countries covered
Trawick International
Safe Travels International
From ~$1.10/day
Max Medical
Up to $2,000,000
Deductible
$0 – $5,000
Pre-Existing
Acute onset covered
Network
UnitedHealthcare Global
- Up to $2M emergency medical
- Trip cancellation & interruption
- Acute onset pre-existing coverage
- Emergency dental included
- Lost baggage protection
- Travel delay coverage
- AD&D coverage included
- 100+ countries covered
WorldTrips
Atlas International
From ~$1.20/day
Max Medical
Up to $2,000,000
Deductible
$0 – $5,000
Pre-Existing
Acute onset covered
Network
UnitedHealthcare Global
- Up to $2M emergency medical
- Highest coverage limits available
- Medical evacuation included
- Cancel for any reason add-on
- Adventure sports rider available
- Emergency dental included
- Global provider network
- Renewable coverage
Not sure which plan? Compare all plans side-by-side with real prices →
How Much Does International Travel Insurance Cost?
Sample prices based on real plans. Your exact quote depends on age, trip cost, destination, and coverage level.
| Age | Trip Cost & Duration | Destination | Estimated Cost |
|---|---|---|---|
| 30 | $2,000 · 10 days | Europe | $55–$90 |
| 40 | $3,000 · 14 days | Europe | $85–$140 |
| 50 | $4,000 · 14 days | Southeast Asia | $160–$240 |
| 55 | $5,000 · 21 days | Latin America | $210–$310 |
| 65 | $5,000 · 14 days | Europe | $250–$420 |
| 70 | $6,000 · 14 days | Australia | $360–$560 |
Free quote — no email required to see prices
Who Needs International Travel Insurance?
Americans Traveling to Europe
Schengen visa countries recommend travel insurance. Medical costs in Germany, France & UK can exceed $10,000/day.
Learn moreSeniors Traveling Internationally
Medicare has zero coverage abroad. Plans available up to age 99 with high medical limits.
Learn moreAdventure & Active Travel
Hiking, diving, skiing, and adventure sports — optional riders available for high-risk activities.
Learn moreBusiness Travelers
Frequent flyers and international business travelers. Annual plans available for multiple trips per year.
Learn moreCancel For Any Reason
Need maximum flexibility? CFAR add-ons let you cancel for any reason and get 75% back.
Learn morePre-Existing Conditions
Heart conditions, diabetes, hypertension — acute onset emergency coverage included on all plans.
Learn moreHow to Buy International Travel Insurance
No agents. No phone calls. Done in under 5 minutes.
Enter Trip Details
Traveler age, trip dates, destination, and total trip cost. Takes 30 seconds.
Compare Plans
See IMG, WorldTrips & Trawick side by side with real prices and coverage breakdowns.
Choose Your Plan
Pick the coverage level, deductible, and any add-ons that fit your trip.
Buy & Get Covered
Pay securely online. Policy documents emailed immediately — coverage starts the same day.
International Travel Insurance — Frequently Asked Questions
Do Americans need international travel insurance?
Yes. US health insurance — including Medicare — does not cover you abroad. A single medical emergency overseas can cost $50,000–$250,000 out of pocket. International travel insurance covers emergency medical, evacuation, and trip interruption from $1.35/day.
What's the difference between trip insurance and travel medical insurance?
Travel medical insurance covers only medical emergencies abroad. Trip insurance (sometimes called travel insurance) covers medical PLUS trip cancellation, interruption, baggage, and delays. Most international travelers benefit from a comprehensive plan that includes both.
How much does international travel insurance cost?
Plans typically cost 4–10% of your total trip cost. Medical-only plans start as low as $1.35/day. A 40-year-old on a $3,000 trip to Europe pays roughly $85–$150 for full trip protection.
Can I buy after I've already left for my trip?
Yes — but trip cancellation benefits are only available if purchased before departure. Medical-only plans can be purchased mid-trip, though illness claims have a 24–48 hour waiting period. For full protection, buy before you leave.
Does travel insurance cover trip cancellation due to illness?
Yes — if you or a covered family member gets sick before departure and a doctor certifies you can't travel, trip cancellation coverage reimburses your non-refundable trip costs. Cancel For Any Reason (CFAR) add-ons give you even more flexibility.
Which is best — IMG, WorldTrips, or Trawick for international travel?
IMG Patriot International is the most popular for US travelers abroad. WorldTrips Atlas International is best for maximum coverage ($8M limit) and adventure travelers. Trawick Safe Travels International is best for budget-conscious travelers who still want trip cancellation included.
Further Reading
International Travel Insurance Guides
Expert guides on plans, destinations, costs, and how to choose the right international coverage.
Best International Travel Insurance for US Citizens
Our top-ranked plans for Americans traveling abroad — compared on price, coverage & claims.
Read guideTravel Insurance for Americans in Europe
Everything US travelers need to know before visiting the EU, Schengen, or UK.
Read guideCancel For Any Reason Travel Insurance
How CFAR works, what it costs, and when you actually need it.
Read guideAnnual Travel Insurance Plans
One policy, unlimited trips. Best for frequent travelers who take 3+ trips per year.
Read guideTravel Insurance for Seniors Over 65
Medicare has zero international coverage. Here's how to get protected for every trip abroad.
Read guideTravel Insurance for Travelers with Diabetes
How acute onset coverage works for diabetic travelers and which plans cover emergencies best.
Read guideGet Covered Before You Leave
Compare IMG, WorldTrips & Trawick international plans in minutes. From $1.35/day. Secure checkout — policy documents in your inbox immediately.
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