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WHAT OMBRELA CAN QUOTE

Six kinds of medical cover.
One honest place to start.

Ombrela compares travel medical plans and emails you a quote. We are not an insurer: policies are sold through a licensed insurance producer and issued by the insurer you choose. Here is who each product fits, who it does not, and what to read before you decide.

How Ombrela works

  1. 1

    Tell us about the trip

    Answer a few questions about who is traveling, where and when. This is a quote request, not a purchase.

  2. 2

    We compare plans from A rated insurers

    The team checks which plans you are eligible for and compares those that fit your dates, ages and needs.

  3. 3

    We email your quote

    Your options arrive by email, with the plan details to read before you decide.

  4. 4

    You choose; the insurer issues the policy

    Coverage starts only when you buy a plan and the insurer issues it. A quote is not a policy.

READ ANY QUOTE WITH THESE

Five terms decide
what a plan pays.

The premium is only one number. Each product below says what to look for in each of these.

Policy maximum
The most the plan pays, per illness or per policy period. US hospital bills can pass a low maximum quickly.
Deductible
What you pay before the plan pays. A higher deductible lowers the premium and raises your share of a claim.
Coinsurance
The share of eligible charges you pay after the deductible, often up to an out of pocket limit.
Acute onset
A limited benefit some plans pay when a pre existing condition flares up suddenly and unexpectedly. It has caps and age limits.
Network
The doctors and hospitals that accept the plan, often a PPO. In network care can mean direct billing instead of paying first.
01VISITOR MEDICAL INSURANCE

For visits to the United States.

Temporary medical cover for people who live outside the US and come to visit: parents visiting family, tourists, business visitors and ESTA travelers.

Request a free quote

Who it is for

  • People whose home is outside the US, visiting on a B1 or B2 visa or through the Visa Waiver Program (ESTA).
  • Parents and grandparents visiting children in the US, including travelers in their 70s and 80s, with lower limits at older ages.
  • Visitors whose home health plan does not pay US hospitals.

Who it is not for

  • People whose primary residence is the US. These plans are built for non US residents.
  • Anyone who needs ongoing treatment of a known condition. Pre existing conditions are excluded, apart from limited acute onset benefits on some plans.
  • Residents of some countries. Each plan has its own exclusion list; for example, the plan catalog lists Germany, France and Australia among countries excluded from Safe Travels USA plans.

THE REQUIREMENT IT ANSWERS

No legal requirement. A financial one.

No US law requires B1 or B2 visitors or Visa Waiver travelers to carry health insurance, and CBP does not list insurance among Visa Waiver Program requirements. The reason to buy is the cost of US medical care, which visitors pay in full without cover.

Source: CBP: Visa Waiver Program

What to compare

Policy maximum
Most plans in our October sample were priced at a $50,000 maximum. Older travelers can face lower caps: at age 80, Visitors Care and Patriot America Lite were priced at $10,000.
Deductible
Check whether it applies once per policy period or per illness, and how the premium changes when you raise it.
Coinsurance
Comprehensive plans pay a share of eligible charges after the deductible; fixed benefit plans pay set amounts per service.
Acute onset
Look for a benefit for the sudden onset of a pre existing condition, its dollar cap and the age it stops at.
Network
Ask which PPO network the plan uses and whether a hospital can bill the insurer directly.

REAL SAMPLE PRICE

Quoted by our quote system on October 1, 2026. One traveler, citizen of India, not living in the US, coverage in the US only, 30 days starting November 2, 2026.

Sample premiums for Visitor medical insurance
ProfilePlanPremiumMaximumDeductible
Age 35, lowest fixed benefit planVisitors CareFixed benefit$33.00$50,000$50
Age 35, lowest comprehensive planSafe Travels USA Cost SaverComprehensive$48.30$50,000$250
Age 65, lowest fixed benefit planVisitors CareFixed benefit$58.80$50,000$50
Age 65, lowest comprehensive planSafe Travels USAComprehensive$161.40$50,000$250

Fixed benefit plans pay set amounts per service and can leave a large share of a US bill unpaid. Compare the two types before choosing on price.

A sample is not a quote. Your age, dates, residence and chosen limits change the price.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • Trawick International plansA+

    Safe Travels plans are underwritten by Zurich Insurance Europe AG. Its parent, Zurich Insurance Company Ltd, is rated A+ (Superior) by A.M. Best, affirmed in September 2026.

  • WorldTrips plansA++

    Atlas plans are issued by Tokio Marine HCC companies. Houston Casualty Company, the Tokio Marine HCC insurer WorldTrips names, is rated A++ (Superior) by A.M. Best, affirmed in October 2025.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

02INTERNATIONAL STUDENT MEDICAL INSURANCE

For F1 and M1 students in the US.

Medical plans for international students that can be compared against a school waiver form, including students on OPT and CPT.

Request a free quote

Who it is for

  • F1 and M1 students whose school allows a private plan instead of its own student health plan.
  • Students at schools without a plan, or covering a gap before a school plan starts or after it ends.
  • Students up to age 64, the upper age the student plans in our quote system accept.

Who it is not for

  • Students buying from New York. In the plan data Ombrela receives, Student Secure cannot be bought in Maryland, New York or Washington, and IMG student plans cannot be bought in New York.
  • Students whose school requires a plan with no pre existing condition exclusion or deeper benefits. Many schools reject travel style plans, so check the waiver form before buying.
  • Citizens of some countries. For example, Student Secure is not sold to citizens of Cuba or Ukraine.

THE REQUIREMENT IT ANSWERS

Your school sets the rule.

There is no federal health insurance requirement for F1 or M1 students. Most universities make cover a condition of enrollment and enroll students in their own plan unless a waiver is approved. Some states add their own rule: Massachusetts requires students to join a qualifying student plan or certify comparable coverage.

Source: Massachusetts 956 CMR 8.00, Student Health Insurance Program

What to compare

Policy maximum
Match the minimum on your school waiver form exactly. Some schools require very high or unlimited maximums.
Deductible
Waiver forms often cap the deductible. Compare it per illness and per year.
Coinsurance
Compare the share you pay after the deductible, in network and out of network.
Pre existing conditions
Many schools require no pre existing condition exclusion, which most travel style plans cannot meet.
Network
Check that doctors and hospitals near campus are in the plan network.

REAL SAMPLE PRICE

No dated student sample is published yet. Student premiums depend on age, dates, deductible and policy maximum, so a quote with your own details is the only reliable figure.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • WorldTrips plansA++

    Atlas plans are issued by Tokio Marine HCC companies. Houston Casualty Company, the Tokio Marine HCC insurer WorldTrips names, is rated A++ (Superior) by A.M. Best, affirmed in October 2025.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

03J1 EXCHANGE VISITOR MEDICAL INSURANCE

For J1 programs and J2 families.

Medical plans for exchange visitors, such as au pairs, research scholars, interns and teachers, compared against the federal minimums for J1 and J2 holders.

Request a free quote

Who it is for

  • J1 exchange visitors whose sponsor lets them choose their own plan.
  • J2 spouses and children, who must carry the same minimums.
  • Exchange visitors aged 31 days to 64 years, the age range of Patriot Exchange.

Who it is not for

  • Exchange visitors buying from New York. In the plan catalog, Patriot Exchange cannot be bought from New York and Student Secure cannot be bought from Maryland, New York or Washington.
  • Participants whose sponsor requires its own plan. Check your sponsor rules first.
  • Exchange visitors aged 65 or older, who fall outside the age range of these plans.

THE REQUIREMENT IT ANSWERS

22 CFR 62.14, the federal minimums.

Sponsors must require J1 exchange visitors and accompanying J2 dependents to hold at least $100,000 of medical benefits per accident or illness, $25,000 for repatriation of remains and $50,000 for medical evacuation, with a deductible of no more than $500 per accident or illness. The insurer must meet a rating floor, such as A minus or better from A.M. Best.

Source: eCFR: 22 CFR 62.14

What to compare

Policy maximum
At least $100,000 per accident or illness. Some sponsors and hosts ask for more.
Deductible
No more than $500 per accident or illness under the regulation.
Coinsurance
Compare what you pay after the deductible, especially for hospital stays.
Acute onset
Check whether the plan pays for the sudden onset of a pre existing condition, and its cap.
Network
Check the PPO network near your host institution or host family.

REAL SAMPLE PRICE

No dated J1 sample is published yet. Premiums depend on age, program length and the limits you choose.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • WorldTrips plansA++

    Atlas plans are issued by Tokio Marine HCC companies. Houston Casualty Company, the Tokio Marine HCC insurer WorldTrips names, is rated A++ (Superior) by A.M. Best, affirmed in October 2025.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

04NEW IMMIGRANT MEDICAL INSURANCE

For the first weeks in the US.

Short term medical cover for recent arrivals, such as new green card holders, K1 fiances and family members, until employer or Marketplace coverage begins.

Request a free quote

Who it is for

  • New green card holders and immigrant visa arrivals who need cover from the day they land.
  • K1 fiances and family members arriving before other coverage starts.
  • Healthy arrivals bridging the weeks until an employer or HealthCare.gov Marketplace plan takes effect.

Who it is not for

  • Anyone who needs care for a known condition. These are travel medical plans that exclude pre existing conditions, with acute onset benefits that shrink or end at older ages. A Marketplace plan cannot exclude them.
  • People who have lived in the US for years. Carriers decide eligibility, and these plans are meant for recent arrivals.
  • Residents of some countries. The plan catalog lists Cuba and Venezuela as excluded from both IMG Patriot and Trawick Safe Travels USA plans.

THE REQUIREMENT IT ANSWERS

No insurance law. A timing gap.

Green card holders can use the HealthCare.gov Marketplace, but that coverage, or an employer plan, may not start the day you arrive. Many green card holders also wait five years for full Medicaid and CHIP, with exceptions such as former refugees and asylees. A bridge plan covers new illness and injury in between.

Source: HealthCare.gov: coverage for lawfully present immigrants

What to compare

Policy maximum
Older applicants face lower limits: IMG caps Patriot Lite and Patriot Plus at $10,000 for travelers over 80, and Trawick plans stop at age 89.
Deductible
Check how it applies if you buy month by month.
Coinsurance
Compare what you pay after the deductible, in and out of network.
Acute onset
Read the age limits. If you manage a chronic condition, put Marketplace enrollment first.
Network
Ask which PPO network the plan uses where you will live.

REAL SAMPLE PRICE

No dated new immigrant sample is published yet. Premiums depend on age, start date and length of cover.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • Trawick International plansA+

    Safe Travels plans are underwritten by Zurich Insurance Europe AG. Its parent, Zurich Insurance Company Ltd, is rated A+ (Superior) by A.M. Best, affirmed in September 2026.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

05SCHENGEN VISA TRAVEL MEDICAL INSURANCE

For a Schengen visa application.

Travel medical plans for trips to Europe that need an insurance certificate for a short stay Schengen visa.

Request a free quote

Who it is for

  • Visa applicants who must show travel medical insurance with their Schengen application.
  • US residents applying from the US, such as green card holders, H1B workers and F1 students.
  • Travelers who want medical cover across all 29 Schengen countries for one trip.

Who it is not for

  • New York residents. In the plan data Ombrela receives, Atlas plans cannot be bought in Maryland, New York or Washington, and Patriot plans cannot be bought in New York.
  • US residents looking at Safe Travels International, which is not sold to US residents.
  • Anyone who needs their trip costs refunded if they cancel. These are medical plans, not trip cancellation cover.

THE REQUIREMENT IT ANSWERS

EU Visa Code, Article 15.

Short stay visa applicants must hold travel medical insurance of at least EUR 30,000, valid throughout the Schengen states for the whole stay, covering repatriation for medical reasons, urgent medical attention, emergency hospital treatment and death. The Schengen area has 29 countries since Bulgaria and Romania joined fully on January 1, 2025. Consulates decide whether a certificate is adequate.

Source: EU Visa Code: Regulation (EC) No 810/2009, Article 15; European Commission: the Schengen area

What to compare

Policy maximum
At least EUR 30,000 of medical cover. Check the currency and the amount printed on the certificate.
Deductible
See how the deductible appears on the certificate and compare it with your consulate checklist.
Coinsurance
Check what share you pay abroad after the deductible.
Acute onset
Pre existing conditions are generally excluded. Check any acute onset benefit and its age limit.
Certificate details
Your name as in your passport, exact dates, repatriation cover and a 24 hour assistance number.

REAL SAMPLE PRICE

No Schengen specific sample is published. Our dated international sample, on the travel medical card below, came from the same quote category with an international plus Europe coverage area.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • Trawick International plansA+

    Safe Travels plans are underwritten by Zurich Insurance Europe AG. Its parent, Zurich Insurance Company Ltd, is rated A+ (Superior) by A.M. Best, affirmed in September 2026.

  • WorldTrips plansA++

    Atlas plans are issued by Tokio Marine HCC companies. Houston Casualty Company, the Tokio Marine HCC insurer WorldTrips names, is rated A++ (Superior) by A.M. Best, affirmed in October 2025.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

06INTERNATIONAL TRAVEL MEDICAL INSURANCE

For trips outside the United States.

Medical cover for trips abroad: emergency care, hospital stays and medical evacuation, which Medicare and many US health plans do not cover overseas.

Request a free quote

Who it is for

  • Travelers leaving the US whose health plan does not pay for care abroad.
  • Medicare beneficiaries, since Original Medicare generally does not cover care outside the US.
  • International travelers who want emergency medical and evacuation cover for one trip.

Who it is not for

  • Trips to the United States. Visitors to the US need visitor medical insurance.
  • Refunds for cancelled trips. Trip cancellation is not part of these plans and Ombrela does not quote it.
  • New York residents, and US residents looking at Safe Travels International. Our travel medical quotes draw on the same plans as our Schengen quotes, with the same purchase limits.

THE REQUIREMENT IT ANSWERS

No general requirement. A coverage gap.

Travel medical cover is rarely required for entry, but many home plans stop at the border. Medicare states that it generally does not cover health care while you travel outside the US, with limited exceptions.

Source: Medicare: travel outside the US

What to compare

Policy maximum
In our sample, Safe Travels International was priced at $50,000 and Patriot Platinum International at $2,000,000; at age 70 the Patriot maximum fell to $100,000.
Deductible
Sampled plans used a $250 deductible. Compare the premium at other levels.
Coinsurance
Check what share you pay abroad, and whether it differs inside and outside the US.
Acute onset
Pre existing conditions are generally excluded; some plans have a limited acute onset benefit with age limits.
Network and evacuation
Ask whether hospitals abroad bill the insurer directly, and read the evacuation limit and who approves it.

REAL SAMPLE PRICE

Quoted by our quote system on October 1, 2026. One traveler, US citizen, coverage area international including Europe, 15 days starting November 2, 2026.

Sample premiums for International travel medical insurance
ProfilePlanPremiumMaximumDeductible
Age 40, 15 daysSafe Travels International Cost SaverTrawick International$36.75$50,000$250
Age 40, 15 daysPatriot Platinum InternationalIMG$53.40$2,000,000$250
Age 40, 15 daysSafe Travels InternationalTrawick International$54.00$50,000$250

The plan data behind our articles says Safe Travels International plans are not sold to US residents, so a US resident should not count on the lowest figure here.

A sample is not a quote. Your age, dates, residence and chosen limits change the price.

The insurers behind the plans

  • IMG plansA

    Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.

  • Trawick International plansA+

    Safe Travels plans are underwritten by Zurich Insurance Europe AG. Its parent, Zurich Insurance Company Ltd, is rated A+ (Superior) by A.M. Best, affirmed in September 2026.

  • WorldTrips plansA++

    Atlas plans are issued by Tokio Marine HCC companies. Houston Casualty Company, the Tokio Marine HCC insurer WorldTrips names, is rated A++ (Superior) by A.M. Best, affirmed in October 2025.

Ratings describe financial strength, not the quality of a plan. The insurer named on your policy is the one that counts.

NOT OFFERED

Trip cancellation and whole trip protection.

Ombrela does not quote trip cancellation, trip interruption or whole trip policies. The plans above pay for medical care; they do not refund a booking you cancel. If you want help thinking through cancellation cover, send us your trip details and we will answer honestly, including when the answer is that we cannot quote it.

Send a trip inquiryHow trip cancellation insurance works

GOOD QUESTIONS. CLEAR ANSWERS.

Before you
request a quote.

Ask the Ombrela team
Is Ombrela an insurance company?

No. Ombrela is a guidance and comparison website. It is not an insurer and does not hold an insurance license itself. Policies are sold through JBD&Group Services LLC (DBA JBD Insurances), a licensed insurance producer, and each policy is underwritten and issued by the insurer named on it.

Does requesting a quote buy insurance?

No. A quote request sends your trip details to the Ombrela team, who compare eligible plans and email you a quote. Nothing is bought until you choose a plan and the insurer issues the policy.

Can Ombrela quote trip cancellation or whole trip protection?

Not at the moment. Ombrela compares travel medical plans only. You can still send a trip inquiry for guidance, and we will tell you plainly that we cannot quote cancellation cover ourselves.

I live in New York. Can I buy through Ombrela?

For several products, probably not. In the plan data Ombrela receives, the student, J1, Schengen and international travel medical plans we compare cannot be bought from New York. Visitor plans are for people who live outside the US, so the purchase limits are different. Send a request and we will tell you what is open to you.

Are the sample prices on this page a quote?

No. They are real premiums returned by our quote system on October 1, 2026 for the profile stated next to them. Your age, dates, residence and chosen limits change the price.

What does an A.M. Best rating tell me?

It describes the financial strength of the insurer behind a plan. It does not rate the plan benefits, the claims experience or whether a plan suits you.

Which product fits a green card holder?

It depends on the trip. For cover inside the US after arriving, look at new immigrant medical insurance. For a trip abroad, look at international travel medical insurance, or Schengen visa insurance if you need a visa certificate for Europe.

Ombrela is a guidance and comparison website, not an insurance company. Insurance products available through Ombrela are sold by JBD&Group Services LLC (DBA JBD Insurances), a licensed insurance producer. Eligibility, benefits and exclusions are set by each policy; read the plan documents before you buy. See our disclosures.

Sample prices: real premiums from our quote system, sampled October 1, 2026. Insurer ratings: A.M. Best, checked September 2026. Purchase limits by state and country come from the plan data Ombrela receives and can change. Page reviewed October 6, 2026 by the Ombrela editorial team.

NOT SURE WHICH ONE FITS?

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