Emergency Travel Health Insurance for Foreign Nationals
At Diversified Insurance Brokers, we help secure reliable emergency travel health insurance for foreign nationals for visits to the United States. Standard domestic health plans often provide little to no coverage outside your home country, and many do not include medical evacuation or repatriation. A dedicated travel medical policy can protect you against unexpected hospital bills, coordinate urgent care, and arrange evacuation when medically necessary—so you can travel with confidence.
Get Emergency Coverage for Your Trip
Fast, secure online quote and enrollment for foreign nationals traveling worldwide or visiting the U.S.
What Emergency Travel Health Insurance Typically Covers
- Emergency Medical Care: Doctor visits, hospital stays, surgery, diagnostics, and prescriptions for covered illnesses or injuries during your trip.
- Emergency Medical Evacuation: Transportation to the nearest suitable facility—or transfer—to receive appropriate care when medically necessary and pre-approved.
- Repatriation of Remains: Covered arrangements to return remains to your home country.
- Trip Interruption/Return Home: Limited benefits to help you return home early due to a covered medical event.
- 24/7 Assistance Services: Multilingual support for care coordination, provider referrals, translations, and in some cases direct billing arrangements.
Who This Coverage Is Best For
- Visitors to the United States: Friends and family on B-1/B-2 visas, tourists, and short-term guests.
- International Students & Scholars: F-1, J-1, M-1 visa holders who need compliant medical coverage and evacuation benefits.
- Business Travelers & Temporary Workers: Professionals on short assignments who require emergency protection abroad.
- Global Tourists & Cruisers: Travelers exploring multiple countries who want one policy for the entire itinerary.
Plan Design Basics
Travel medical plans are built for short-term protection and typically cover you only while outside your home country (or outside a specified area). You can tailor:
- Medical Maximums: Choose limits that fit the cost of care in your destination (e.g., higher limits for the U.S.).
- Deductible & Coinsurance: Balance premium and out-of-pocket preferences.
- Trip Length: Single-trip policies or multi-trip annual options for frequent travelers.
- Geographic Scope: Worldwide coverage choices, with possible exclusions for sanctioned locations.
Common Questions
- Pre-Existing Conditions: Some policies may offer limited coverage or a time-sensitive waiver—details vary by plan.
- Sports & Adventure: Hazardous activities (e.g., mountaineering, scuba) may be excluded or require a rider; share your itinerary to confirm.
- Direct Billing: Available in select regions/facilities; otherwise, you may pay upfront and file for reimbursement.
- Evacuation Rules: Evacuation requires medical necessity and insurer approval; it is not for convenience travel.
- Visa Documentation: Many plans can provide confirmation letters that outline benefits for consular/visa needs.
How We Help
As an independent brokerage, Diversified Insurance Brokers compares multiple travel medical solutions for foreign nationals. We align benefits with your visa type and destination, right-size limits for higher-cost regions (like the United States), and clarify exclusions before you buy—so you avoid surprises at claim time and travel with confidence. Are you a US Citizen travelling abroad? Be sure to get covered with International Travel Health Insurance.
What You’ll Need to Get Started
- Traveler names, dates of birth, and country of residence.
- Trip dates and destinations (including any U.S. segments or cruises).
- Planned activities (city tourism vs. adventure) to review exclusions/riders.
- Preferred medical maximum and deductible.
Tip: Purchase coverage before your departure and carry your ID card and assistance numbers with your passport. If a medical event occurs, contact the assistance team immediately to coordinate care and benefits.
Ready to enroll?
FAQs: Emergency Travel Health Insurance for Foreign Nationals
What is emergency travel health insurance for foreign nationals?
Short-term medical coverage for non-U.S. citizens traveling outside their home country (including visits to the United States). It helps pay for unexpected illnesses or injuries, ER care, hospital stays, and urgent care during your trip.
Who is eligible?
Tourists, business travelers, visiting family, exchange visitors, international students (F-1/J-1/M-1), au pairs, temporary workers, and recent immigrants awaiting domestic coverage. Eligibility varies by plan, age, and trip purpose.
Does it meet visa or entry requirements?
Many plans can satisfy common proof-of-coverage requirements (e.g., J-1 exchange visitor, some school programs, or country-specific rules). We can match plan limits and documents to your visa or program needs.
Are pre-existing conditions covered?
Standard plans often exclude them. Some offer limited, time-sensitive waivers or “acute onset” coverage with conditions and age limits. Review look-back periods and stability rules before purchase.
Is COVID-19 covered?
Most modern plans treat COVID-19 like any other covered illness, subject to policy terms and limits. Check the policy certificate for any exclusions or sub-limits.
What about medical evacuation and repatriation?
Many plans include emergency medical evacuation to the nearest appropriate facility and repatriation of remains up to stated maximums. Confirm coverage triggers and assistance procedures.
Can I buy coverage after arriving in the U.S.?
Yes, many plans allow purchase after arrival, but coverage typically begins on the effective date you select and won’t pay for events before that date. Buying before departure is recommended.
How long can I be covered?
Coverage can be as short as a few days and as long as a year (with possible renewals). Select the exact travel dates; extensions may be available if your trip is extended.
How do deductibles, copays, and networks work?
You choose a deductible at purchase; lower deductibles cost more. Some plans offer PPO networks in the U.S.; out-of-network care may be covered at different levels. Keep all receipts and medical records.
Are maternity, mental health, or prescription drugs covered?
Coverage varies. Many plans limit or exclude routine maternity care and certain mental health services; prescriptions are often covered if related to a covered illness/injury. Review the benefits table.
Are sports and hazardous activities covered?
Standard plans may exclude higher-risk activities. Optional adventure-sports riders can add coverage for activities like skiing, scuba, or trekking—check the activity list.
Will this replace U.S. domestic (ACA) insurance?
No. Travel medical plans are not ACA-compliant major medical. They are designed for temporary coverage during travel and emergencies.
Can I cover my spouse or children?
Yes. Most plans allow adding dependents on the same policy or separate companion policies, subject to age and eligibility limits.
How do I file a claim?
In an emergency, seek care immediately and contact the 24/7 assistance line as soon as possible. Submit itemized bills, medical notes, proof of travel, and completed claim forms by the deadlines.
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