Travel Insurance

International travel is about new adventures and memories. Yet, unexpected health concerns are an unwanted distraction. If planning well ahead or waiting at the gate to depart, to minimize health-related delays, we offer affordable coverage to protect you while traveling whether just across the border or far from home.

The two main purposes for purchasing a travel policy is to keep you moving forward on your travels and protect you financially if something major occurs. These major occurrences may include evacuations for medical, political instability or natural disasters.

Common travel policies include trip cancellation and international medical protection. Each can be purchased separately or bundled together.

Medical plans are reasonable, with many variations to customize your policy with low or high coverage limits. Common options to add to your policy include cell phone replacement or extra coverage for risky adventures.

Trip cancellation policies are more costly than medical plans. This policy will reimburse you for non-refundable travel expenses due to illness and other factors causing you to miss all or some of your travel plans.

Travel Insurance carriers will require you to have an active, in-force health policy active while traveling to be eligible.

Medicare and Travel Insurance

Medicare does not cover medical expenses outside of the U.S. However, most Medicare Supplement plans offer a foreign travel benefit. Some Medicare Advantage plans offer emergency and urgent care reimbursements while traveling outside the U.S., but no coordination of benefits (arrange payments for services), emergency evacuation or routine medical care while traveling.

We don’t recommend depending solely on the Medicare Supplement’s benefit. Purchasing a medical travel policy will provide benefits and services Medicare plans do not offer. And a Medicare Supplement card holder can select a higher deductible to lower the plan’s premium knowing they have access to important services as well as a reimbursement benefit upon return to the U.S.

Shop Travel Policies

Our preferred travel insurance carrier is IMG Global. They offer every possible plan from those who: 

• Will be traveling for an extended stay, just a short trip, or for one planning multiple international trips in a 12-month period. period. 

• Traveling in primarily safe countries vs. those traveling in high-risk countries.

• Foreign visitors coming to the U.S.!