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), ensures you’re covered for unexpected medical expenses while traveling internationally. Whether it’s a sudden illness, an accident, or a medical evacuation, this coverage helps protect your health and your finances while giving you the freedom to explore with peace of mind.
Travel Medical – Int’l Medical Group (IMG)
Comprehensive emergency medical coverage for your international trips—so you can travel with confidence.
Why Travel Medical Insurance Is Essential
Most domestic health insurance plans offer little or no coverage outside your home country. This means that if you require hospitalization, surgery, or emergency evacuation while abroad, you could face tens of thousands of dollars in medical bills. Travel Medical Insurance helps you avoid this financial risk, providing coverage for both minor and major medical needs during your trip.
What’s Covered
- Emergency medical treatment for illness or injury
- Hospitalization and surgery costs
- Emergency dental treatment
- Medical evacuation and repatriation of remains
- 24/7 multilingual assistance services
Key Benefits
- Global Protection: Coverage in nearly every country around the world.
- Customizable Limits: Choose coverage amounts and deductibles to fit your trip and budget.
- Peace of Mind: Focus on your trip instead of worrying about unexpected medical costs.
- Affordable Premiums: High-quality protection at a cost-effective rate.
Why Choose Diversified Insurance Brokers?
We partner with IMG to provide top-rated travel medical coverage that meets the needs of both occasional travelers and frequent globetrotters. Our team can help you choose the right plan, explain your benefits, and ensure you’re protected no matter where your travels take you.
Contact Us Today:
📞 Call us at 800-533-5969
📅 Schedule a free consultation
Or visit our Contact Page
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.
