Your Health Plan Stops at the Border
Medicare will not cover you abroad, and most domestic plans will not either. International travel medical coverage does, from a routine clinic visit to a $200,000 air ambulance home.
Medical limits up to $8,000,000. Evacuation up to $1,000,000. Live pricing, direct from the carrier, no markup.
Two Jobs, Two Different Products
Travel insurance is really two kinds of coverage, and most travelers end up needing both. Travel medical pays for getting sick or hurt while you are away. Trip protection pays you back when the trip itself falls apart.
Travel Medical Insurance
Health coverage for the time you are abroad. It pays medical bills, emergency evacuation, and related services. This is what you actually need if you are leaving the country, whether you are a U.S. traveler going overseas, a visitor coming into the U.S., a student on a study abroad program, or a crew working at sea.
Trip Protection Insurance
Protection for the money you have already spent. It refunds prepaid trip costs when you cancel or interrupt for a covered reason, and it bundles in medical, baggage, and delay benefits. If you have paid real money for the trip, this is the coverage that keeps you from losing it.
Emergency Medical Care
Doctor visits, hospitalization, surgery, prescriptions, and urgent care abroad, paid up to the plan maximum instead of out of your pocket.
Emergency Evacuation
Air ambulance and transport to the nearest qualified hospital, plus repatriation. Limits reach $1,000,000, and the full policy maximum on Patriot Platinum.
Trip Cancellation
Reimbursement for prepaid, non-refundable trip costs when illness, weather, or another covered reason forces you to cancel.
Trip Interruption and Delay
Coverage up to 150% of trip cost if you have to come home early, plus reimbursement for the hotel and meal costs of long delays.
Baggage and Belongings
Reimbursement when luggage, phones, cameras, or travel documents are lost, stolen, or damaged along the way.
Visitors to the USA
Coverage for non-U.S. residents traveling to the United States, the plan families here buy for parents visiting from overseas.
Plans and Real Benefit Limits
Every link below goes straight to live pricing and the online application. No markup, no middleman fee. If you want help choosing, call us and we will walk the options with you.
Patriot America Plus
Travel medical insurance for non-U.S. residents visiting the United States, including family visiting from overseas.
- ✓Maximum limits $10,000 to $1,000,000
- ✓Coverage for acute onset of pre-existing conditions
- ✓Renewable up to 24 months
- ✓COVID-19 covered for travelers to the U.S.
Patriot Platinum
First-class travel medical coverage for travelers who want the widest benefits available anywhere in the world.
- ✓Maximum limits $2,000,000 to $8,000,000
- ✓Emergency evacuation up to the policy maximum
- ✓Telehealth and Travel Intelligence included
- ✓Extensions up to 36 months
Patriot Lite
Straightforward travel medical coverage from five days up to two years for individuals, families, and groups.
- ✓Maximum limits up to $1,000,000
- ✓Deductibles from $0 to $2,500
- ✓Emergency medical evacuation up to $1,000,000
- ✓Extensions up to 24 months
iTravelInsured Travel SE
Trip cancellation and interruption protection paired with strong medical benefits for international trips up to 180 days.
- ✓Medical expense coverage $250,000, primary
- ✓Medical evacuation $500,000 per person
- ✓Cancellation up to 100%, interruption up to 150% of trip cost
- ✓Telehealth included, Cancel For Any Reason available
iTravelInsured Travel LX
The highest travel protection limits, built for remote and exotic destinations where evacuation is hardest to arrange.
- ✓Medical expense coverage $500,000
- ✓Medical evacuation $1,000,000 per person
- ✓Cancellation up to 100%, interruption up to 150% of trip cost
- ✓Telehealth included, Cancel For Any Reason available
iTravelInsured Choice
Well rounded coverage at an economical price for domestic and international vacations, weekend getaways, and cruises.
- ✓Medical expense coverage $100,000
- ✓Medical evacuation $500,000 per person
- ✓Trip cancellation up to 100% of trip cost
- ✓Telehealth included
GlobeHopper Senior
Travel medical insurance designed specifically for older travelers, available as Single-Trip or Multi-Trip.
- ✓Maximum limits $50,000 to $1,000,000
- ✓Deductibles from $0 to $2,500
- ✓Single-Trip extendable up to 12 months
- ✓Two plan designs: Single-Trip and Multi-Trip
Student Health Advantage
Long-term medical coverage for international students and scholars in a sponsored study abroad program, one month to five years.
- ✓Maximum limit for student $500,000 (Platinum: $1,000,000)
- ✓Deductible of $100
- ✓100% coinsurance in PPO network or student health center in the U.S.
- ✓Platinum adds mental health, organized sports, and pre-existing conditions
Global Medical Insurance
Annually renewable major medical coverage for people living or working abroad long term.
- ✓Maximum limits $1,000,000 to $8,000,000
- ✓Deductibles from $100 to $25,000
- ✓Comprehensive worldwide inpatient and outpatient benefits
- ✓Annually renewable for expats and global citizens
Patriot Multi-Trip
Annual multi-trip travel medical insurance for travelers who take several trips a year instead of one long one.
- ✓Maximum limit $1,000,000
- ✓Deductible of $250
- ✓Trips of 30, 60, or 90 days per departure
- ✓Unlimited number of trips per year
How This Compares to the Airline Checkbox
Booking a flight usually offers one travel insurance product at checkout. It is the most common way people buy coverage, and it is usually the thinnest medical coverage in the market, because it is built for cancellation first and medical second. Published benefit limits, side by side:
| Benefit | Typical checkout upgradeAllianz OneTrip Prime | IMG iTravelInsured Travel SEwhat we place |
|---|---|---|
| Emergency medical | Up to $50,000 | Up to $250,000, primary |
| Emergency medical transportation | Up to $500,000 | Up to $500,000 per person |
| Trip cancellation | Up to $100,000 | Up to 100% of trip cost |
| Trip interruption | Up to $150,000 | Up to 150% of trip cost |
| Travel delay | $800 | $2,000 ($125 per day) |
| Baggage loss or damage | $1,000 | $1,500 ($250 per item) |
| Telehealth for non-emergency care | Not included | Included |
Benefit limits as published by each carrier on their own plan pages and comparison charts in 2026. Coverage varies by plan and by state, and sublimits apply. Read the policy documents before you buy, and ask us if you want them explained.
Travel Insurance Questions
Do I need travel insurance if I already have health insurance?▼
Probably yes. Medicare does not cover care received outside the United States in almost all cases, and most domestic health plans either exclude international claims or pay only a limited emergency benefit. Travel medical coverage fills that gap for accidents, illness, and emergency evacuation while you are away.
When is the best time to buy travel insurance?▼
Within 14 to 21 days of your first trip deposit. Buying in that window activates the pre-existing condition waiver on plans that offer it and locks in Cancel For Any Reason coverage. Cancel For Any Reason generally has to be purchased before the trip starts.
Does travel insurance cover pre-existing conditions?▼
Coverage for the acute onset of a pre-existing condition is built into most Patriot travel medical plans, and several plans offer a full pre-existing condition waiver when you buy within the required window. Acute onset means a sudden, unexpected flare-up needing immediate treatment, not routine or ongoing care.
How much medical coverage do I need abroad?▼
Enough to survive a serious event, not just a routine visit. As a reference point, a single air ambulance runs $20,000 to $200,000, and a few days in a foreign hospital can consume a $50,000 limit quickly. Most travelers should look at $250,000 and up, and higher if the destination has expensive or limited care.
I am traveling to the United States. Can I get coverage?▼
Yes. Patriot America and Patriot America Plus are designed for non-U.S. residents visiting the United States, with maximum limits from $10,000 to $1,000,000, coverage for acute onset of pre-existing conditions, and renewability up to 24 months.
Do I need special coverage for a Schengen visa?▼
Schengen countries require travel medical insurance with at least 30,000 euros of medical coverage, including emergency evacuation and repatriation, valid for the entire stay. Plans that meet the requirement are issued with the visa letter you need at the consulate.
Is travel insurance worth it for a cruise?▼
Cruises concentrate prepaid, non-refundable costs up front, and a medical emergency at sea is expensive because treatment and evacuation happen far from any network. Trip protection covers cancellation and interruption, and travel medical covers the onboard and ports-of-call medical side.
Can I buy travel insurance after my trip has started?▼
Travel medical coverage cannot be backdated, but many plans can start the day you call, so coverage can often begin immediately for the remainder of the trip. Trip cancellation coverage cannot be purchased once you are already traveling.
How much does travel insurance cost?▼
It depends on age, trip length, destination, and the maximum limit you choose. Travel medical plans are typically priced per day of coverage and are often a modest addition to the cost of the trip. Trip protection is priced as a percentage of your prepaid trip cost. The quote links on this page show live pricing for your actual dates and travelers.
Where do I get help if something goes wrong abroad?▼
Every plan includes 24/7 multilingual assistance staffed by nurses, doctors, and case managers who handle emergencies, evacuations, and provider referrals. You also have our office line at 214-272-2769 for claims questions and renewals.
Going Somewhere This Year?
Send us your dates and destination and we will pull live pricing for the plans that fit your trip, then explain exactly what is and is not covered before you go.