---
title: ⚕️ Travel health insurance USA
tags: travel
description: Travel health insurance
image: https://pbs.twimg.com/profile_banners/3540691454/1535710532/1500x500
---

<h1 style="text-align: center;">⚕️ Travel health insurance</h1>
<h2 style="text-align: center;">United States of America (USA)</h2>

# Medical features

#### Potential coverage
- International coverage outside your home country (Except for certain places, e.g. Sanctioned countries and areas of active conflict)
- You can save a lot of money by purchasing a plan that focuses mostly on medical coverage rather than broad coverage.
- Overall medical coverage limit
- Non-emergency medical care
- Outpatient Dr's visits (Primary care physician, dermatologist, etc.)
- Physical therapy, e.g. 6 visits per trip <$100
- Urgent care and emergency room
- Prescriptions
- 24/7 assistance
- Emergency transportation, e.g. Evacuation
- etc.

#### Not covered
- Buying a plan for domestic travel within your country of residence if your current domestic provider offers a plan with out-of-state/nation wide coverage, e.g. Having an HMO plan in California and buying a travel insurance plan for Texas is likely not covered.

# Resources
- [How to Find the Best Travel Insurance](https://www.nerdwallet.com/article/insurance/travel-insurance) _by NerdWallet_
- [14 Best Travel Insurance Companies in July 2023](https://www.nerdwallet.com/article/travel/best-travel-insurance) _by NerdWallet_
- [Best Travel Insurance Companies of 2023](https://www.investopedia.com/best-travel-insurance-4842641) _by Investopedia_

# Aggregators
- TravelInsurance.com: [medical.travelinsurance.com](https://medical.travelinsurance.com)
- Search results
- Option to edit medical coverage and deductible amounts
- insuremytrip: [insuremytrip.com](https://www.insuremytrip.com)
- Search results
- Potentially more expensive plans
- No option to edit medical coverage amounts

# Services

## Worldwide Insurance Services (WIS)
- Coverage: Mostly medical
- Flexibility
- You can change the length of the policy after the coverage has started
- As long as the current policy has not already expired
- Increase (≤ 6 months) or decrease
- Support: 888-243-2358
- The provider depends on which state you live in.
- GeoBlue: [geobluetravelinsurance.com](https://www.geobluetravelinsurance.com)
- HTH: [hthtravelinsurance.com](https://www.hthtravelinsurance.com)
- Benefits of "Options for Travelers with Primary Insurance"
- Covers 100% of prescriptions
- Higher dental care maxiumum
- Rated as one of the best travel insurances by [NerdWallet in 2023](https://www.nerdwallet.com/article/travel/best-travel-insurance)

## International Medical Group IMG
- Site: [imglobal.com](https://www.imglobal.com)
- iTravelInsured Travel Lite
- Coverage: Broad
- Flexibility
- You cannot change the length of the policy after the coverage has started.
- You can change the policy before a trip has started.
- 24/7 emergency travel assistance
- Lost passport/travel documents assistance
- Emergency cash transfer
- Embassy or consulate referral
- Legal referrals
- Emergency message relay
- Emergency translations
- Patriot International
- Coverage
- Mostly medical
- International coverage outside your home country (Even though 1 country is selected for the plan)
- Flexibility
- You can change the length of the policy after the coverage has started (≤ 24 months)
- You can purchase ≤ 12 months initially and then extend
- Extensions can be made online
- As long as the current policy has not already expired
- You may need to extend 7 days before the next intended start date
- You can purchase a plan while being outside of your home country
- $50 cancellation fee and not entirely pro-rated refund
- Difference between Platinum and Lite
- Telehealth services
- Access 24 hours a day, 7 days a week
- E.g. Prescriptions
- Resources
- [Frequently asked questions](https://americorpsvista.imglobal.com/docs/librariesprovider4/default-document-library/teladoc-faq.pdf)
- [IMG Expands Partnership with Teladoc Health to Provide More Travelers with Telehealth Services](https://www.imglobal.com/newsroom/article/2024/06/05/img-expands-partnership-with-teladoc-health-to-provide-more-travelers-with-telehealth-services)
- Higher medical coverage amount
- Travel health and security updates
- Submit claims
- Dr's name
- Diagnosis
- Receipts
- Use the local currency and IMG will autoconvert the value to USD for your payment
- etc.
- Precertify for procedures and hospitalizaions
- You can call during a Dr's visit to receive instant precertifcation
- There is a potential reduction of coverage if you submit a claim without precertification and if it was required
- Info
- Proposed treatment
- Procedure code
- ICD-10
- Diagnosis
- Dr's phone number
- Facility's phone number
- etc.
- Support: 317-655-9796
- Rated as one of the best travel insurances by [NerdWallet in 2023](https://www.nerdwallet.com/article/travel/best-travel-insurance)

## SafetyWing
[safetywing.com](https://safetywing.com)

## WorldTrips
- Site: [worldtrips.com](https://www.worldtrips.com)
- Only available for residents in some states

## Nationwide
- Site: [nationwide.com/personal/insurance/travel](https://www.nationwide.com/personal/insurance/travel)
- Duration limit: 31 days

## Travel Guard
- Site: [travelguard.com](https://www.travelguard.com)
- Travel Guard is a part of AIG insurance
- Coverage: Broad

## Berkshire Hathaway Travel Protection
- Site: [bhtp.com](https://www.bhtp.com)
- Coverage: Broad

## Allianz
- Site: [allianztravelinsurance.com](https://www.allianztravelinsurance.com)
- Coverage: Broad
- [Partners with AAA](https://cluballiance.aaa.com/travel/insurance)

## Seven Corners
- Site: [sevencorners.com](https://www.sevencorners.com)
- Coverage: Broad

## Travelex
- Site: [travelexinsurance.com](https://www.travelexinsurance.com)
- Coverage: Broad

<p style="text-align: center; font-style: italic">This is not medical or financial advice. Please seek a medical professional.</p>