Compare Travel Medical Plans

Review the Best Travel Health Insurance Options

Below is a comparison of the best Travel Medical Insurance plans available to all nationalities. Review and compare travel medical insurance plans. Click on the links at the bottom of each product for more details or click to get a free quote then apply. All companies listed below are high quality and have an A+, A or A- rating by A.M. Best. Travel Medical Plans typically offer a more comprehensive array of benefits than Trip Insurance (or Trip Cancellation) Plans, with an emphasis on medical coverage. These plans are suited to the traveler who is going abroad for a more extended period (1 week to a year) and is concerned with the risks of getting sick or injured while in a foreign country. The primary benefit is the emergency medical insurance which provides coverage should you get ill and need to see a doctor or go to a hospital. Standard with all these plans is a 24-hour emergency assistance hotline which you can call for assistance in finding a doctor, choosing a hospital or even replacing a lost visa. Other benefits include repatriation and emergency evacuation.

Travel Health Insurance Plan Comparisons

Eligible expenses are subject to deductible, coinsurance, overall maximum limit, and are per certificate period unless specifically indicated otherwise.

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Plan Name Atlas Travel Medical Liaison Elite Voyager Choice
Review / Best For The best plan for short-term leisure, student, business or missionary travel abroad. Affordably priced. The best plan for extended trips abroad. The most comprehensive benefits and renewable for up to three years. The best plan for U.S. citizens traveling abroad wanting coverage for services related to pre-existing conditions.
Eligibility / Available to All nationalities traveling abroad1 All nationalities traveling abroad2 Home Country is the U.S.3
Coverage Area Worldwide Worldwide Worldwide (Excluding the U.S.)
Length of Coverage 5 days to 364 days (not renewable) 5 days to 1,092 days (renewable up to 3 years) 7 days to 180 days (not renewable)
Medical Maximum Options $50,000; $100,000; $250,000; $500,000; $1,000,000; or $2,000,000

$50,000; $100,000; $500,000; $1,000,000; $2,000,000; or $5,000,000

$50,000; $100,000; $500,000; or $1,000,000
Deductible Options (per person per policy period) $0; $100; $250; $500; $1,000; $2,500; or $5,000 $0; $100; $250; $500; $1,000; $2,500; or $5,000 $0; $100; $250; or $500
Coinsurance Outside U.S.: The plan pays 100%;
Inside the U.S.: After deductible, the plan pays 100% if expenses incurred within PPO
Outside U.S.: The plan pays 100%;
Inside the U.S.: After deductible, the plan pays 100% if expenses incurred within PPO
The plan pays 100%
Emergency Dental $250 maximum Injury: Up to medical maximum;
Unexpected pain: $250 maximum
Injury: $500 maximum;
Unexpected pain: $250 maximum
Refund/Cancellation 100% prior to effective date;
After effective date: unused portion minus a cancellation fee, if you have not submitted any claims.
100% prior to effective date;
After effective date: unused portion minus a cancellation fee, if you have not submitted any claims.
100% within 10 days of purchase;
After effective date: unused portion minus a cancellation fee, if you have not submitted any claims.
Emergency Assistance 24/7 worldwide travel and medical assistance 24/7 worldwide travel and medical assistance 24/7 worldwide travel and medical assistance
Administrator HCC Medical Insurance Services Seven Corners GeoBlue/Blue Cross and Blue Shield
Underwriter Lloyds of London Certain Underwriters at Lloyd’s, London 4 Ever Life Insurance Company
A.M. Best Credit Rating A+ A A-
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Emergency Transportation

Local Ambulance Benefit Up to medical maximum Up to medical maximum Up to $1,000
Emergency Medical Evacuation & Repatriation Up to $1,000,000 maximum Up to $1,000,000 maximum Up to $500,000 maximum
Emergency Reunion Up to $100,000, subject to a maximum of 15 days Up to $200 per day; $100,000 maximum Up to $1,500 per trip
Return of Mortal Remains Up to medical maximum Up to $100,000 Up to $25,000
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Pre-Existing Conditions

Pre-Existing Conditions No coverage is available for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage. No coverage is available for known, required, or expected treatment of any kind existent or necessary for 12 months prior to the effective date of coverage. Coverage provided for pre-existing conditions for medical services and medical evacuation if concurrently covered by a primary health plan.4
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Terrorism & Political Benefits

Terrorism $50,000 lifetime maximum Up to overall medical maximum Up to overall medical maximum
Political Evacuation $100,000 lifetime maximum $100,000 per coverage period Not available.
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Home Country Coverage

Incidental Trips Home Up to 15 days for every 3 months of coverage 5 days for every month of coverage purchased (available Immediately) No home country coverage
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Trip Interruption & Baggage

Loss of Baggage / Personal Items Up to $500 per period Up to $1,000 per period ($50 per article max) Up to $500 per period ($100 per article max)
Trip Cancellation Not Available. Review Trip Insurance Plans.
Trip Interruption Up to $10,000 per period Up to $10,000 per period Up to $500 per period
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Other Benefits

Recreational sports and activities Up to medical maximum Up to medical maximum Up to medical maximum
Adventure Sports Not available Available at additional cost Not available
Personal Liability Up to $10,000;
$100,000 available at additional cost
Up to $100,000 Not available
Accidental Death (AD&D) $50,000 per person;
$100,000 available at additional cost
$50,000 insured and travel companion;
$10,000 per child;
Aggregate limit of $250,000
$50,000 per person
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  • The Atlas plan is not available to individuals who are physically located in the states of New York, Maryland, or Washington; or in the countries of Canada or Australia at time of purchase.
  • The Liaison plan cannot accept an address in Maryland, Washington, New York, South Dakota, or Colorado; or in the countries of the Islamic Republic of Iran, Syrian Arab Republic, United States Virgin Islands, Gambia, Ghana, Nigeria, or Sierra Leone.
  • The Voyager plan cannot accept an address in Maryland or New York. You must make your initial purchase in the U.S. before departing on the trip.
  • Primary Plan is a Group health benefit plan, an individual health benefit plan or a governmental health plan designed to be the first payer of claims for an Insured Person. If Medicare is the Primary Plan, see the Certificate of Coverage to determine how this Plan will pay benefits. NOTE: Medicaid and VA benefits are not deemed a primary health plan.
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    If you need more comprehensive coverage for a year or longer, consider an International Medical Plan. If you travel abroad multiple times each year, consider an Annual Multi-Trip Travel Medical Plan.

    This comparison of the best travel medical insurance plans contains a summary description of plan benefits, conditions, limitations, and exclusions. A certificate containing the complete Certificate Wording with all terms, conditions, and exclusions will be included in the fulfillment kit. Review your plan policy and certificate before and after you have applied. You may cancel your plan during the «look back» period if the policy does not meet your needs. Contact us for help, guidance and to apply. Let us know if you need assistance in comparing and reviewing Travel Medical Plans. If you are traveling for a longer period and/or want more comprehensive medical insurance, review our Annual Global Medical plans. If you are simply interested in Trip Insurance, compare trip Insurance plans at your convenience. Please feel free to contact us anytime.

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