International Travel Health Insurance

International Travel Health Insurance

Did you know that beginning in 2021, Americans are required to have a visa and international health insurance in order to travel to Europe and other foreign countries? Given the high cost of medical insurances, this is a crucial decision.

Trip Interruption vs. Travel Health Insurance: What’s the Difference?

Travel health insurance is different from the trip interruption insurance in that airlines and cruise ships typically offer at the time of booking. These policies focus on reimbursing the cost of the airline or cruise fare in case the trip is cancelled for an unforeseen reason. In addition, they also tack on limited health benefits, repatriation, lost luggage coverage, etc. However, there are many exclusions and the time period is limited. Travel insurance differs from trip interruption in that the policy only covers the time that you booked for.

For example, let’s say that six months before your trip, you buy a cruise for $5k in addition to spending $2k+ on airfare. Anything can happen during that time that could force you to cancel such as an illness, a death in the family, etc. Your trip investment is protected with trip interruption insurance which is the main reason these coverages are primarily bought from the airline or cruise.

Travel insurance, first and foremost, is to protect the health of the applicant. This type of insurance applies when more robust medical coverage is required and is primarily designed to cover emergency health care but does not offer limited protection for trip interruption, lost luggage and other coverages. It does not offer coverage for airlines or cruise fares.

We recommend purchasing both trip interruption and travel health insurance to cover the risk of cancellation and provide health coverage while abroad. Frequent travelers often benefit from purchasing a multi-trip policy.

Keep in mind that while the elderly can also purchase travel insurance, they often get reduced benefits. The age limit varies by carrier, so be sure to have your insurance broker complete their due diligence. Also, when buying travel insurance, pandemic coverage is excluded. Be sure to carefully read and understand the policy terms and conditions.

*Travel Insurance can be purchased with or without coverage for pre-existing conditions subject to policy conditions.

*You can purchase the TokioMarine products by using the link here.

Atlas Travel® Insurance

Short-term travel health insurance for individuals traveling outside their home country.

Whether you are traveling for business or pleasure, Atlas Travel insurance may be just what you’re looking for. Plans are available from a minimum of 5 days or more. In addition to medical benefits for injuries and illnesses, Atlas Travel Insurance includes benefits for emergency medical evacuation, terrorism, political evacuation, and adventure sports.


Worldwide health coverage for students pursuing their education abroad

StudentSecure is designed to meet the insurance needs of international students traveling inside or outside of the United States. Whether you are looking for individual coverage or coverage for the entire family, our Select, Budget and Smart options have the features you need. These plans include coverage for emergency medical evacuation, sports, mental health, maternity (Budget and Select) and more!

Atlas Group® Travel Insurance

Short-term international health insurance for 5 or more traveling abroad

Atlas Group travel insurance is tailored for groups of 5 or more U.S. and non-U.S. Citizens traveling outside their home country for 5 days or more. This plan is appropriate for missionaries, students and business executives. It features medical coverage, emergency medical evacuation, and repatriation of remains.

Atlas MultiTrip™

International health coverage for business individuals taking multiple trips throughout the year

Atlas MultiTrip is available to individuals and their families who require annual medical insurance with coverage for multiple trips of 30 or 45 days duration or less, as elected by the insured. If you maintain medical coverage in your home country, Atlas MultiTrip is designed to take some of the risk out of your international travel. To view our full ratings, please see Tokio Marine HCC