International Travel Health Coverage
At Diversified Insurance Brokers, we help travelers secure international travel health coverage designed specifically for medical emergencies, hospital stays, and evacuation abroad. Standard domestic health insurance often provides little or no protection once you leave your home country, leaving you exposed to costly medical bills if something unexpected happens overseas.
Get International Travel Health Coverage
Fast, secure online quote and enrollment for international travelers seeking medical protection abroad.
What International Travel Health Coverage Includes
- Emergency Medical Care: Doctor visits, hospital stays, surgery, and prescriptions during covered trips.
- Medical Evacuation: Transportation to the nearest facility or back to your home country if needed.
- Repatriation of Remains: Covered arrangements to return remains to your home country.
- Assistance Services: 24/7 multilingual support for emergencies, medical coordination, and provider referrals.
Who Should Consider This Coverage
- U.S. citizens traveling abroad for vacation, business, or study.
- Foreign nationals traveling internationally or visiting the U.S.
- Families taking extended trips or cruises.
- Frequent travelers who want multi-trip annual coverage.
Why It Matters
Without international health coverage, a medical emergency can result in tens of thousands of dollars in bills—and evacuation costs can run even higher. Most domestic insurance plans either exclude overseas care or reimburse only a fraction of the costs. A dedicated international policy ensures you’re protected wherever you go, with direct support when you need it most.
Why Work With Diversified Insurance Brokers
- Independent Expertise: We compare multiple international plans to find the best fit for your destination and trip length.
- Flexible Options: Choose single-trip or multi-trip annual coverage.
- Personalized Guidance: We help match coverage limits and benefits with your travel plans.
- Trusted Experience: Decades of working with clients worldwide and access to top-rated carriers.
Protect Your Next Trip
Don’t leave home without the right protection. Enroll online in minutes and travel with peace of mind.
FAQs: International Travel Health Coverage
What does international travel health coverage include?
Covers emergency medical care, hospital stays, doctor visits, prescription medications, and often medical evacuation or repatriation. Some plans also offer wellness, dental, or maternity add-ons.
Do I still need coverage if I have U.S. health insurance?
Often yes, because many U.S.-based plans have limited or no coverage abroad. Travel health insurance fills gaps—especially for emergencies, evacuations, or overseas treatment.
Are pre-existing conditions covered?
Coverage for pre-existing conditions depends on insurer and plan. Some require waiting periods or medical underwriting, while others exclude or limit coverage based on risk.
How long does coverage last?
Plans can be for short periods (trip duration), annual multi-trip policies, or extended coverage for expats. The length affects premium and renewal availability.
Can I choose U.S. or Worldwide (excluding U.S.) coverage?
Yes, many plans allow you to choose whether U.S. healthcare is included. Including the U.S. typically increases cost but gives you broader provider access.
What about deductible, coinsurance, and maximums?
Deductibles vary (from a few hundred to several thousand dollars), coinsurance/shared costs may apply, and annual or lifetime coverage maximums vary widely by plan.
Do plans provide emergency evacuation or repatriation?
Many do. When medically necessary, evacuation to the nearest suitable facility or repatriation to your home country is often included—subject to prior approval and policy terms.
How are claims handled while traveling?
You’ll often use a claims portal or app, with receipts and medical documentation. Some hospitals abroad offer direct billing; otherwise, you may pay then submit for reimbursement.
How much does this coverage cost?
Cost depends on age, destination(s), duration, inclusion of U.S., plan maximums/deductibles, and any add-ons (e.g. dental, maternity, evacuation). Higher risk or emergency features increase premium.
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Licensed in all 50 states • Fiduciary, family-owned since 1980
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
