International Travel Insurance

International Travel & Trip Cancellation Insurance

Traveling to a foreign country is exciting, but being worried about paying for emergency medical care or losing non-refundable deposits shouldn't put a damper on your adventure. Let us help make your adventure worry-free and protect you from losing your deposits if you can't go on your trip.

International Travel Health Insurance Provides Peace of Mind

Whether you are on a safari in Africa, trekking through the ruins of the Incas or sipping coffee at a cafe in Rome, traveling abroad has its risks. Being stung by a jellyfish, tripping over a curb or catching an illness is not what you plan on happening when you're having the time of your life. Every country has their own healthcare system and by purchasing a foreign travel policy, you can relax knowing the costs of medical care and/or evacuation to keep you on your adventure or get you safely back home are secured.

Foreign travel policies reimburse you for covered medical expenses, emergency evacuation, repatriation benefits, return of your mortal remains, and more. You select from a flexible range of deductibles and maximum limits to find peace of mind that you can pay your emergency medical bills should an unforeseeable accident or illness befall you while traveling abroad.

Since the policies operate on a reimbursement basis, you pay the bills then submit your itemized bills and payment receipts using a claim form when you return home. If possible, if you need to use the policy on your trip, contact the member services phone number for special arrangements. Make sure you get a detailed itemization of treatment as it may be difficult to get this information when you get home. Ask the foreign medical facility for language translation assistance if you encounter that barrier.

Here at Imagine Insurance Advisors, we highly recommend getting a foreign travel policy to cover your international visits. Insurance premiums are based on age, sex, primary destination, and duration of your trip. We find the policies to be very affordable and can provide additional protection. Coverage is drastically reduced for pre-existing conditions, but there are no health questions involved with the application.

Medicare Provides Little or No Coverage Outside the U.S.

When you leave the United States (and its territories) for vacation, business or missionary work, Medicare or health insurance will provide little or no coverage for medical care in other countries. If you have a Medicare Supplement, most plans have up to $50,000 of lifetime emergency medical coverage included, but that may not be enough to ensure you are financially protected. Some Medicare Advantage Plans include limited medical coverage outside of the U.S. and amounts vary by plan. One major incident abroad can exhaust or exceed those benefits very quickly.

Trip Cancellation Insurance

While trips away from home both in and out of the country are for all sorts of reasons, one thing they have in common is that they can be expensive. Some aspects of your trip may require non-refundable deposits or pre-payments, like flights, hotels and excursion tickets. A trip cancellation policy will reimburse you for money you can't get back in the event that you can't go on your trip or experience an interruption. The premium is based on the total cost you are seeking coverage for and there are different packages that have different stipulations. Some policies allow cancellation for any reason, and some only pay if you can't go because of health reasons.

Overseas Relatives Traveling to the U.S.

If you have international relatives or friends traveling to the United States to visit you, we can talk with them about purchasing a policy to cover them while they are here.

We Are the International Travel Insurance Expedition Leaders!

Agents at Imagine Insurance Advisors can help you find affordable coverage for your trip. Call or email us with the dates and destination of your trip, or the cost of the trip if you want cancellation insurance, and we will work with you to secure a policy that allows you a more worry-free adventure away from home.

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