Travel Medical Insurance reimburses you for emergency medical expenses incurred when you are traveling or living in a foreign country. Compare the different plans available via the matrix below and use the links at the bottom to check prices.
| International citizens | US citizens | Great for Adventure Travelers! | |||
| Plan Name | World Nomads | Patriot America | Patriot International | Travel Select | Travel LX |
| Company | World Nomads Travel Insurance | International Medical Group | International Medical Group | Travelex Insurance Services | iTravel Insured |
| Best for | Backpackers and families | Adventure travelers | |||
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| Underwriter | The underwriter for the policy is dependent upon your country of residence. | Sirius International – Rated A (excellent) by A.M. Best | Sirius International – Rated A (excellent) by A.M. Best | Stonebridge Casualty Insurance Company – AM Best Rating A- (Excellent) | iTravel Insured |
| Available To | International citizens and residents traveling outside home country, USA residents traveling over 100 miles from home & Canadian residents traveling out of province. | International citizens traveling outside home country | US citizens – traveling abroad | US Residents | Residents of the United States (not available to NY residents) |
| Medical Expenses | $100,000 to unlimited coverage depending on country of residence | $50,000 up to $1,000,000 Per Person age 70 – 79 $50,000 Maximum age 80+ $10,000 Maximum |
$50,000 up to $2,000,000 Per Person age 70 – 79 $50,000 Maximum age 80+ $10,000 Maximum |
$50,000 per person | $100,000 – Primary |
| Pre-existing Conditions | No coverage, except as described in certain policies. Applies to you, your travelling companions and close relatives. | No Coverage | $15,000 Medical/$25,000 Evacuation coverage for sudden recurrence of a Pre-exisitng condition when outside US |
Subject to 60 day lookback period from purchase date for unstable pre-existing medical conditions | A pre-existing conditions application is available if purchased within 20 days of initial trip deposit |
| Emergency Evacuation Learn more |
$300,000 to unlimited coverage, depending on your country of residence | Up to Policy Maximum when coordinated through IMG | Up to Policy Maximum when coordinated through plan administrator |
$500,000 per person | $1,000,000 |
| Repatriation of Remains | $10,000 to unlimited coverage depending on your country of residence | Up to $50,000 – when coordinated through plan administrator | Up to $50,000 – when coordinated through plan administrator | Included in Emergency Evacuation | $1,000,000 |
| Emergency Reunion | Cover where medically requred dependent on your country of residence and the circumstances. | $15,000 – maximum 15 days for friend or relative’s travel expenses should you require Emergency Medical Evacuation |
$15,000 – maximum 15 days for friend or relative’s travel expenses should you require Emergency Medical Evacuation |
If traveling alone and hospitalized 7 days or more. Provides transportation for friend or relative to be with you | No coverage |
| Accidental Death & Dismemberment Learn more |
$5,000 to $15,000 Cover depends on your country of residence. Some plans, no coverage. | $25,000 Per Person Optional increase of $100,000 to $400,000 available |
$25,000 Per Person Optional increase of $100,000 to $400,000 available |
$25,000 per person | No coverage |
| Flight Accident | Cover included in medical evacuation and baggage coverage, depending on country of residence. | $50,000 (included in Common Carrier) |
$50,000 (included in Common Carrier) |
Upgrade available in Optional “Transportation Pak” – $200,000 per person ($1 Million maximum plan limit) – as confirmed on your confirmation of coverage letter | No coverage |
| Trip Cancellation | $2,500 to 100% trip cost depending on your country of residence and reason for cancellation. | No Coverage | No Coverage | 100% Trip Cost | 100% of Trip Cost |
| Trip Interruption | $2,500 to $5,000 depending on your country of residence and reason for interruption. | Up to $5,000 for economy return ticket for death of your immediate family member while traveling |
Up to $5,000 for economy return ticket for death of your immediate family member while traveling |
150% of Trip Cost $1,000 Per Person for $0.00 Trip Cost Insured / Post Departure Coverage |
“150% of Trip Cost “ |
| Trip Delay | $500 to $1,000 depending on your country of residence and reason for delay. Daily limits apply. Some plans, no coverage. | No Coverage | No Coverage | $750 Per Person – if delayed 5 hours or more | “$1,000 ($250 per Day / 6 hrs) “ |
| Sports & Hazardous Activities | Automatic and upgradable cover for wide range of adventure sports and activities. Hazardous activities restricted. Check policy for details. | Leisure Sports Rider avialable Extreme Sports Rider available |
Leisure Sports Rider avialable Extreme Sports Rider available |
Available in Optional “Active Family Pak” or “Adventurer Plus Pak” | Waives excluded sports/recreation activities – included |
| Lost Baggage | Lost checked-in baggage by a Common Carrier up to $3,500 depending on your country of residence. Item limits apply. | $50 per item up to $250 maximum (while in the possesion of a Common Carrier) |
$50 per bag up to $250 maximum (while in the possesion of a Common Carrier) |
$1,000 per person / up to $300 per article | $2,500 |
| Baggage Delay | $300 to $750. Daily limits apply. | No Coverage | No Coverage | $250 – 12 hour minimum delay for lost or misdirected baggage | $500 |
| Supplier Bankruptcy/Default | Some plans provide cover for insolvency or bankruptcy, depending on country of residence. Check policy for limits and conditions. Some plans, no coverage. | No Coverage | No Coverage | Coverage begins 14 days after policy effective date. | No coverage |
| Labor Strike | Some plans cover unforeseeable strike under trip cancellation or interruption. Some plans, no coverage. | No Coverage | No Coverage | Unforeseen strike that causes complete cessation of travel supplier services for 24 consecutive hours | No coverage |
| Terrorism | Some plans include in cancellation / interruption. Other plans include cover for evacuation. Some plans, no coverage. | Included – up to $50,000 | Terrorism rider available for 25% additional premium (medical coverage only) |
This benefit only applies if the plan has been purchased within twenty-one (21) days of your initial trip payment or deposit. | No coverage |
| Rental Car Insurance | Some plans provide cover for the car insurance excess only, depending on country of residence. Some plans, no coverage. | No Coverage | No Coverage | Available in Optional “Transportation Pak” – up to $35,000 damage protection | $40,000 |
| Travel Assistance | 24 hour Toll Free Emergency Medical Assistance | 24 hour Toll Free Emergency Medical Assistance | 24 hour Toll Free Emergency Medical Assistance | Included | 24-hr Travel Assistance Services – included |
| Special Features | * Buy, extend and claim online from anywhere in the world * Purchase whilst away from home * Free specialist safety alerts and advice, travel Q&A service, travels journals and language guides |
Home Country Coverage available for International Citizens visiting their home country (select Patriot Return Rider) |
Instant on-line fullfillment | Children under age 21 can be protected at no additional cost when accompanied by a covered adult family member. Maximum trip cost $10,000. | “Pre-Existing Medical Conditions Exclusion Waiver if purchased within 20 days of initial trip deposit Primary Medical Coverage with No Deductible” |
| Length Of Coverage | 2 days up to 12 months, depending on country of residence. Unlimited extensions. | 10 days to 12 months | 10 days to 12 months | Max trip length: 180 days | Maximum Trip Length: 31 days |
| Over 65 Travel Insurance | No | Yes | Yes | Yes | Yes |
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