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
Purchase
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
Purchase

Do I need travel insurance?

When accidents happen
Imagine if you have become seriously ill, or had a car accident whilst traveling, would you be covered for treatment in the country? Would you have the support of an emergency assistant team to make sure you get the best treatment? Travel Insurance provides you with this.

When it gets really serious
Then imagine if you had to be repatriated? The cost of chartering a medivac flight, medical support in flight can run hundreds of thousands of dollars. Travel Insurance will keep you covered.

When plans change
1 week into your trip a hurricane wipes out your destination, perhaps a family member becomes ill, will you have to bear the burden of the cost of cancelling your trip? Travel Insurance can cover you.