06 · Travel medical insurance
Leave home. Stay covered.
Medical coverage for trips outside the United States. If you get sick or injured abroad, a travel medical plan pays for emergency care, hospital stays and medical evacuation, which Medicare and most U.S. health plans do not cover overseas.
━━Emergency care and hospital stays abroad
━━Medical evacuation and repatriation
━━For U.S. residents and international travelers
━━Trips from 5 days up to a year
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Ombrela · premium travel insurance
What travel medical insurance costs
Real premiums for one traveler on a 15 day trip outside the USA, quoted through our comparison engine. (October 1, 2026)
| Age | Lowest priced plan | Highest priced plan |
|---|---|---|
| 30 | $21.30 Safe Travels International - Cost Saver, $50,000 maximum, $250 deductible | $32.55 Patriot Platinum International, $2,000,000 maximum, $250 deductible |
| 40 | $36.75 Safe Travels International - Cost Saver, $50,000 maximum, $250 deductible | $54.00 Safe Travels International, $50,000 maximum, $250 deductible |
| 50 | $63.75 Safe Travels International - Cost Saver, $50,000 maximum, $250 deductible | $93.90 Safe Travels International, $50,000 maximum, $250 deductible |
| 60 | $79.80 Safe Travels International - Cost Saver, $50,000 maximum, $250 deductible | $117 Safe Travels International, $50,000 maximum, $250 deductible |
| 70 | $154 Safe Travels International - Cost Saver, $50,000 maximum, $250 deductible | $209 Patriot Platinum International, $100,000 maximum, $250 deductible |
What it covers, and what it does not
Covered
Emergency medical treatment, hospital stays, prescriptions for a new illness or injury, emergency dental, medical evacuation and repatriation, up to the policy maximum you choose.
Not covered
Trip cancellation, routine checkups, and treatment of pre-existing conditions, apart from a limited acute onset benefit on some plans. This is medical insurance for your trip, not a refund policy for your booking.
Where it works
Worldwide outside the United States, with a short list of excluded countries that varies by plan. For Schengen visa applications, choose a plan that issues a compliant certificate.
Who stands behind the plans
Rated insurers,
verified.
Ombrela compares plans; licensed insurers underwrite them. These are the companies behind the plans you see here, with their A.M. Best financial strength ratings.
IMG plans
Patriot plans are underwritten by SiriusPoint Specialty Insurance Corporation, rated A (Excellent) by A.M. Best, upgraded in April 2026.
AA.M. Best
Trawick International plans
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.
A+A.M. Best
WorldTrips plans
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.
A++A.M. Best
Ratings describe each insurer’s financial strength, not the quality of any single plan. Checked September 2026; ratings can change. Policies are sold through a licensed insurance producer. See our disclosures.
Talk to a person
Not sure which plan fits?
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Questions
Travel medical insurance, answered
Do I need travel medical insurance for a trip abroad?
If your health plan does not pay for care outside your home country, yes. Medicare generally does not cover care outside the United States, and many private U.S. plans cover only emergencies abroad, often at out of network rates and without evacuation. A travel medical plan fills that gap for the length of your trip.
Is travel medical insurance the same as trip insurance?
No. Travel medical insurance pays for medical care and evacuation while you travel. Trip insurance mainly refunds prepaid travel costs if you cancel or are delayed. Ombrela compares travel medical plans. If you also want cancellation cover, you would buy that separately.
How much does travel medical insurance cost?
It depends mainly on your age, the length of the trip and the policy maximum and deductible you choose. The table on this page shows real premiums quoted for a 15 day trip at several ages. Get a quote with your own dates to see your exact price.
Does it cover pre-existing conditions?
Generally no. Travel medical plans exclude pre-existing conditions, although some include a limited benefit for the sudden, unexpected acute onset of one, with age limits. Read the plan wording before you buy if you manage a chronic condition.
Can I use it for a Schengen visa?
Yes, if the plan meets the Schengen rules: at least EUR 30,000 of medical coverage valid in all 29 Schengen countries for your whole stay, with a certificate you can submit. See our Schengen visa insurance page for plans that issue a compliant certificate.