At Diversified Insurance Brokers, we help secure emergency travel health insurance for US Citizens that protects you beyond your domestic health plan. If you’re traveling outside the United States—even for a short trip—your regular coverage may offer limited or no benefits overseas. That’s why a purpose-built policy can be essential: it’s designed to handle urgent medical care abroad, emergency medical evacuation, repatriation, and other travel mishaps that standard plans often exclude.

What Emergency Travel Health Insurance Typically Covers

• Emergency Medical Treatment: Physician visits, urgent care, hospital stays, surgery, and prescription medications for covered illnesses or injuries during your trip.
• Emergency Medical Evacuation: Transport to the nearest appropriate facility—or transfer to another facility—when medically necessary and approved by the insurer.
• Repatriation of Remains: Covered arrangements to return remains to the U.S. if a death occurs overseas.
• Trip Interruption/Return Home Benefits: Limited benefits to help you return home early due to a covered medical event.
• 24/7 Assistance Services: Multilingual support to help coordinate care, translations, direct billing where available, and provider referrals.

Who This Coverage Is Best For

• U.S. citizens traveling outside the U.S. for leisure, study abroad, business, visiting family, mission trips, cruises, or remote adventures.
• Travelers with domestic plans that have limited or no overseas benefits, large out-of-network costs, or no evacuation coverage.
• Frequent travelers who want multi-trip annual options vs. buying a new policy for every trip.
• Travelers going to destinations with higher medical costs or limited local care who want robust evacuation and coordination benefits.

Plan Design Basics

Emergency travel medical plans are built for short-term protection. Coverage is typically effective only while you’re outside the United States and ends when you return home (or when the policy term ends). You can tailor:

• Maximum Benefit Levels: Choose limits that match the medical cost environment of your destination.
• Deductibles & Coinsurance: Trade premium for out-of-pocket cost preferences.
• Trip Length: Single-trip policies for one journey or multi-trip annual plans if you travel frequently.
• Destination Scope: Worldwide coverage options, sometimes excluding the U.S. or sanctioned regions.

Common Questions

• Pre-Existing Conditions: Some plans may offer limited coverage or time-sensitive waiver options if certain criteria are met; details vary by policy.
• Adventure Activities: Hazardous sports (e.g., mountaineering, diving, backcountry skiing) may be excluded or require special riders; review your itinerary with an advisor.
• Direct Billing: In some locations, carriers can arrange direct payment to facilities. In others, you may pay and submit claims for reimbursement.
• Evacuation Rules: Medical necessity and carrier approval are required; it’s not a convenience transport.

How We Help

As an independent brokerage, Diversified Insurance Brokers compares multiple travel health options for U.S. citizens to align benefits, exclusions, and pricing with your itinerary. We help you select appropriate limits for high-cost destinations, confirm assistance services that matter, and avoid unpleasant surprises at claim time—so you can travel with confidence.  Are you a Foreign National travelling to the United States?  Be sure to get covered with Travel Health to the US coverage.

What You’ll Need to Get Started

• Traveler names, dates of birth, and U.S. residence.
• Trip dates and destination countries (and any cruise segments).
• Rough activity plan (e.g., city touring vs. remote trekking) to assess exclusions and riders.
• Desired medical maximum and deductible preferences.

Ready to enroll?

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