International Travel Medical Insurance for Americans Traveling Abroad |
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IndividualHealth.com specializes in international travel medical insurance for U.S. residents traveling outside the United States. Whether you are planning a vacation, cruise, business trip, family visit, study abroad program, or an extended international stay, travel medical coverage can help protect against unexpected medical expenses while you are away from home.
Our primary focus is short-term international medical coverage, including BCBS Global Single Trip Platinum for eligible travelers taking trips of up to 182 days. Platinum is particularly important for travelers who want coverage for eligible pre-existing conditions and who maintain a qualifying primary health plan, including Medicare when it meets the plan requirements.
Most quotes and enrollments can be completed entirely online. If you have questions before enrolling, IndividualHealth.com provides access to an experienced international health insurance specialist who can help you understand the coverage and determine whether a plan fits your travel needs.
Get a Single Trip Platinum Quote
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International Travel Medical Insurance for Short-Term Trips Abroad
Since 1990, IndividualHealth.com has specialized in international health insurance for Americans traveling and living abroad. Today our primary focus is helping U.S. residents obtain short-term international travel medical coverage for vacations, cruises, business travel, family visits, study abroad programs, and extended trips outside the United States.
For eligible travelers, BCBS Global Single Trip Platinum can provide international medical coverage for trips of up to 182 days, including coverage for eligible pre-existing conditions when the traveler maintains qualifying primary health insurance.
Travelers planning to live or work abroad for longer periods may require expatriate health insurance instead. Those plans remain available through IndividualHealth.com, but short-term international travel medical coverage is our primary focus. |
Does My U.S. Health Insurance Cover Me Overseas?
Many U.S. health insurance plans provide limited coverage, or no coverage at all, for medical care received outside the United States. Coverage varies by plan, so travelers should review their benefits before departure. Original Medicare generally does not cover medical care outside the United States except in a few limited circumstances.
Even when a domestic health plan provides some emergency coverage abroad, it may not provide the international assistance, worldwide provider access, or emergency medical evacuation benefits that can become important during a serious illness or injury overseas.
Learn more about how U.S. health insurance works outside the United States, or review BCBS Global Single Trip Platinum Travel Medical Insurance for eligible international travelers. |
Short-Term International Travel Medical Insurance
International travel medical insurance helps protect U.S. travelers from eligible medical expenses that can arise during a trip outside the United States. Coverage can include physician and hospital care, prescription medications, emergency medical transportation, telemedicine, and assistance locating qualified medical providers abroad.
BCBS Global Single Trip Platinum is designed for eligible U.S. residents traveling internationally for a single trip of up to 182 days. Platinum is especially important for travelers who want coverage for eligible pre-existing conditions and who maintain qualifying primary health insurance, including Medicare when it meets the plan requirements.
- Single-trip coverage for international travel up to 182 days
- Medical benefit options up to $1,000,000
- Emergency medical evacuation and transportation benefits
- Access to doctors and hospitals in more than 190 countries
- Unlimited telemedicine at no additional cost
- 24/7/365 assistance through the BCBS Global Service Center
Featured Short-Term Plan: BCBS Global Single Trip Platinum
For eligible U.S. residents traveling internationally, BCBS Global Single Trip Platinum is our primary short-term travel medical plan. Coverage is available for a single trip of up to 182 days and includes eligible pre-existing conditions when the traveler maintains a qualifying primary health plan.
BCBS Global also offers a Gold Single Trip option for travelers who do not need coverage for pre-existing conditions. Platinum is the option designed for travelers who want that additional protection.
Learn More About BCBS Global Single Trip Platinum
Get a Single Trip Platinum Quote & Enroll Online |
| Featured International Health Insurance Options |
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BCBS Global Single Trip Platinum
Our featured plan for short-term international travel. BCBS Global Single Trip Platinum provides international travel medical coverage for eligible U.S. residents traveling abroad for a single trip of up to 182 days. Platinum includes coverage for eligible pre-existing conditions when the traveler maintains qualifying primary health insurance.
This plan may be particularly valuable for senior travelers and Medicare beneficiaries who want additional medical protection while outside the United States.
Learn About Single Trip Platinum
Get a Quote & Enroll Online |
Worldwide Premier for Expats
Planning to live, work, study, or retire outside the United States for an extended period? BCBS Global Worldwide Premier provides comprehensive international health insurance designed for people living abroad rather than taking a temporary trip.
Long-term expatriate plans generally involve a more detailed application and eligibility process than Single Trip travel medical coverage.
Learn About Worldwide Premier |
Cigna Global International Insurance
Cigna Global has provided International Medical Insurance for people living, working, studying, or retiring abroad. Cigna Global offers an extensive international workforce, and supports more than 189 million members worldwide. The Cigna plans are designed for people who need global healthcare access, with comprehensive coverage that goes beyond the limits of standard travel or local health insurance. If you live abroad, travel often or need more than just standard cover, Cigna Global has you covered. Modular based, provides you options to tailor your plan to your needs...
COMPARE CIGNA GLOBAL...READ MORE HERE |
Frequently Asked Questions About International Travel Medical Insurance
Does the BCBS Global Single Trip Platinum meet visa requirements?
The BCBS Global Single Trip plan is designed to meet or exceed most if not all VISA requirements from most countries. Once you have enrolled you can create an Online account in their member area of their website. When you are logged into your account you will have access to all related documents including a VISA Letter that you can customize for a specific country and print if needed. If you have specific questions simply reach out to our offices.
Can I buy this plan after I've already left home?
No. This plan is generally purchased before departure. Although not required, it is a good idea to complete your enrollment at least a week prior to departure so that you have plenty of time to get your documents in line and download and install their mobile app to your phone.
Does the Single Trip Platinum plan cover pre-existing conditions?
Yes, as long as you have and maintain existing underlying coverage. Examples of underlying coverage include an ACA-compliant individual medical plan, a group policy, or Medicare. Please note: MEDICAID IS NOT considered Underlying Coverage.
What is the difference between travel medical insurance and expatriate health insurance?
Most single-trip travel medical insurance plans offer coverage for trips up to approximately 182 days, depending on the plan selected. Plans for expatriates are considered long-term in design. Expatriate plans are generally for people living abroad for more than 6 months a year. In addition these longer term plans require the applicant to go through medical underwriting at the time of application. The Single Trip Platinum plan uses a simple online enrollment process, and pre-existing conditions are covered when the applicant has qualifying underlying medical coverage.
How long can the BCBS Global short-term travel medical coverage last? Most single-trip travel medical insurance plans offer coverage for trips up to approximately 182 days, depending on the plan selected.
Does the plan cover telemedicine?
Yes, Unlimited telemedicine is provided at no cost.
Does Cigna Global offer Short-Term Single Trip Plans?
Cigna Global does not offer a short-term single or multi-trip product for those traveling abroad for less than 6 months. Their focus remains on the Expatriate market for those living and working outside their home countries. Blue Cross Blue Shield Global Solutions is one of the best options for the out-bound U.S. travelers that will travel, study or live abroad for short durations, typically less than 180 days. |
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| International Trip Cancellation & Interruption Insurance |
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TripProtector Trip Cancellation Coverage
Insured by Nationwide Mutual Insurance Company. Travelers are at risk when investing in a vacation. The cost of the trip may be lost in the event of a cancellation due to personal sickness or injury of you or a family member, act of terrorism, adverse weather and more. Trip Cancellation Insurance helps protect your travel investment when unexpected events occur. Coverage includes trip cancellation, trip interruption, baggage protection, and worldwide emergency medical benefits in over 190 countries. READ MORE...
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