Travel Medical Insurance
At Diversified Insurance Brokers, we understand that health emergencies can happen anywhere—especially when you’re far from home. Travel Medical Insurance, offered through International Medical Group (IMG), provides essential coverage for unexpected medical expenses while traveling internationally. Whether it’s a sudden illness, accident, or medical evacuation, this protection helps safeguard your health and finances, allowing you to travel freely with peace of mind.
Travel Medical – Int’l Medical Group (IMG)
Comprehensive emergency medical coverage for international travelers—so you can explore the world confidently.
Why Travel Medical Insurance Is Essential
Most domestic health insurance plans offer limited or no coverage outside the U.S. This means that if you require hospitalization, surgery, or emergency evacuation abroad, you could face tens of thousands of dollars in medical bills. Travel Medical Insurance fills that gap, offering short-term international protection for medical treatment, emergency transportation, and related expenses. It’s an affordable safeguard against the unpredictable—especially for retirees, students studying abroad, business travelers, and families on extended trips.
What’s Covered
Coverage through IMG is flexible and comprehensive, ensuring you receive quality care wherever your travels take you. Benefits include:
- Emergency medical treatment for illness or injury
- Hospitalization, surgery, and intensive care costs
- Emergency dental treatment due to injury
- Medical evacuation and repatriation of remains
- Prescription medication reimbursements
- 24/7 multilingual emergency assistance and care coordination
Key Benefits of IMG Travel Medical Plans
- Global Protection: Coverage in nearly every country—ideal for vacationers, missionaries, or business professionals.
- Customizable Limits: Choose your deductible and coverage maximums to align with your travel itinerary and budget.
- Peace of Mind: Receive access to trusted hospitals and doctors worldwide without worrying about out-of-pocket costs abroad.
- Affordable Premiums: Protection that costs a fraction of what an overseas medical emergency might.
- Flexible Duration: Perfect for short-term trips, multi-country travel, or long-term assignments overseas.
Who Should Consider Travel Medical Coverage?
Travel Medical Insurance isn’t only for tourists—it’s vital for anyone leaving their home country, including:
- Students studying abroad or on exchange programs
- Missionaries, volunteers, and international aid workers
- Frequent business travelers or expatriates
- Cruise travelers and vacationers seeking extra protection
- Families or retirees taking extended international stays
Whether you’re traveling to Europe, Asia, or South America, having a travel medical plan ensures you can receive care quickly and return home safely if needed. This coverage often complements trip cancellation insurance or other travel protections for complete peace of mind.
Why Choose Diversified Insurance Brokers?
At Diversified Insurance Brokers, we partner with International Medical Group (IMG) to provide top-rated travel medical coverage for travelers worldwide. Our advisors review multiple plan options to find one that fits your specific travel plans, health profile, and destination requirements. Because we’re an independent, fiduciary agency, our only goal is ensuring your protection—not selling you a one-size-fits-all product.
We also help travelers combine international health coverage with short-term health insurance or disability protection if you’re working abroad. The result is a comprehensive safety net that covers you from departure to return.
How to Get Started
Applying for Travel Medical Insurance is fast and easy. You can get same-day coverage for most trips by clicking below:
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Travel Medical Insurance — Frequently Asked Questions
What is travel medical insurance?
Travel medical insurance covers emergency healthcare expenses while you are outside your home country, including doctor visits, hospital stays, prescriptions, and emergency medical evacuation when medically necessary.
How is it different from trip insurance?
Trip insurance focuses on non-medical benefits like trip cancellation, interruption, or baggage. Travel medical insurance prioritizes medical care and evacuation abroad. Some comprehensive plans bundle both sets of benefits—verify what your plan includes.
What coverage limits should I choose?
Many travelers select at least $100,000 in emergency medical coverage and $250,000–$500,000 for evacuation/repatriation. Higher limits are sensible for remote areas, adventure activities, or longer trips.
Are pre-existing conditions covered?
Coverage varies. Some plans cover stable pre-existing conditions or offer a waiver if purchased within a specified time window. Others exclude them. Check the look-back period and stability requirements before you buy.
Does my domestic health plan cover me abroad?
Many domestic plans offer limited or no out-of-country coverage, and they rarely include medical evacuation. A dedicated travel medical policy fills these gaps and coordinates care with international providers.
What about emergency medical evacuation?
Look for policies that arrange and pay for transport to the nearest suitable facility, medical escorts if required, and repatriation home when medically appropriate. Evacuation can be very costly without insurance.
Are hazardous sports or adventure activities covered?
Standard policies may exclude activities like diving, climbing, or backcountry skiing. If you plan these, add a sports/adventure rider that explicitly covers your activities and any associated rescue costs.
Will the insurer pay providers directly?
Assistance teams often issue guarantees of payment to hospitals, but smaller clinics may ask you to pay upfront and claim later. Keep itemized bills, medical reports, and your policy card handy.
What documentation should I carry?
Your policy certificate and ID card, 24/7 assistance numbers, passport/visa copies, a list of medications and allergies, and digital backups accessible offline. Share the assistance contact with your travel companions.
When should I buy travel medical insurance?
Purchase before departure. If you want pre-existing condition waivers or add-ons, buy as early as possible—some benefits require purchase soon after the initial trip payment.
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.
