Global Underwriters
Global Underwriters specializes in international medical insurance, offering a range of travel medical plans for both U.S. and non-U.S. citizens. They provide high-limit Accidental Death & Dismemberment (AD&D) coverage, group medical plans, and employee kidnap protection for high-profile companies. However, their focus is primarily on medical and accident plans, lacking package plans that include trip cancellation or baggage coverage. Additionally, their website is somewhat outdated, making plan details harder to navigate.
GeoBlue
GeoBlue offers short-term and long-term travel medical insurance plans tailored for U.S. citizens traveling abroad. Their plans cater to individuals, families, and groups, covering vacations, business trips, and long-term stays. GeoBlue emphasizes access to a global network of physicians and healthcare providers, facilitating prompt medical attention overseas. Notably, their plans are not available for non-U.S. citizens or those traveling within the U.S.
US Travel Insurance Association (UStiA)
The UStiA is a national association comprising insurance carriers, third-party administrators, and related businesses involved in travel insurance and assistance products. While they don’t endorse specific services, they advocate for travelers to consider appropriate travel protection plans that meet individual needs.
Global Alert
Global Alert provides comprehensive travel protection plans, including essentials like trip cancellation, interruption, and baggage coverage. They offer optional ‘cancel for any reason’ coverage and secure online medical record access. However, their website can be challenging to navigate, and baggage delay coverage requires a 12-hour delay, longer than some competitors.
MH Ross/TripAssure
With over 50 years in the industry, MH Ross (now TripAssure) offers a selection of travel insurance package plans. All plans automatically include a waiver for pre-existing medical conditions if purchased within 15 days of the initial trip deposit. Their plans are user-friendly, and they provide extensive travel assistance services through One Call Worldwide Travel Services Network. However, their offerings are limited to U.S. residents, and they don’t provide standalone travel medical or medevac-specific plans.
FrontierMEDEX
FrontierMEDEX specializes in travel medical insurance and medical evacuation plans, delivering comprehensive short-term and annual accident and illness coverage. They cater to both U.S. and non-U.S. citizens, with some plans offering enhancements like trip cancellation and lost luggage benefits. A notable limitation is their minimal coverage for pre-existing medical conditions.
HTH Worldwide
HTH Worldwide is renowned for its high-quality travel medical plans for U.S. and non-U.S. citizens. They offer a variety of plans, including single-trip, annual, major medical, and student plans. While they provide some package plans, their primary focus remains on medical coverage. It’s worth noting that coverage for pre-existing conditions may have waiting periods, and benefits for certain activities like downhill skiing and SCUBA diving are limited.
Travel Insured International
Travel Insured International’s Worldwide Trip Protector plan offers comprehensive trip insurance with robust medical and evacuation coverage. Notable features include pet care reimbursement, coverage for children at no extra charge, and a waiver for pre-existing medical conditions if purchased within 21 days of the initial trip deposit. However, plans with a $0 trip cost come with reduced benefits.
Travel Insurance Services
Their Visit USA HealthCare Insurance is designed for non-U.S. citizens visiting the United States, offering low-cost medical insurance with customizable medical, evacuation, and AD&D limits. Optional coverage for hazardous activities is available. This plan is ideal for international visitors and new U.S. immigrants without existing health coverage. However, certain versions are only available to those up to age 69, and repatriation coverage may be limited depending on the traveler’s home country.
International Medical Group (IMG)
IMG specializes in medical insurance for individuals, families, and groups living or traveling abroad. They offer a wide range of travel medical plans, including employer-sponsored options for student groups, missionaries, and marine crews. While they provide some package plans, their primary focus is on medical coverage. AD&D maximums are relatively low compared to competitors, and their package plans may not be as comprehensive.
When selecting a travel insurance provider, it’s essential to assess your specific needs, including medical coverage, trip cancellation policies, and any additional features that may be pertinent to your travel plans.