Travel Insurance was developed to minimize many of these risks. It is relatively inexpensive because the great majority of travelers have no problems and return in good health. However, over the years we have had clients endure car and moped accidents, survived plane accidents, fall off cliffs, burned with lava and 1000 other situations. Some were somewhat predictable (high risk sports); others such as earthquakes, hurricanes, viral infections, were not.

Are you covered by an HMO, PPO, Major Medical or National Health Plan? If so, most often you need only a supplemental policy – one that pays what your primary coverage does not pay – Medical Evacuation would be one item not usually covered by an HMO/PPO.

If you have no other insurance, you need a Major Medical Plan good worldwide with a maximum limit of $250,000 to $1,000,000 or more. Because medical care is less expensive overseas, the premiums for these plans are quite reasonable!

Note: In my eighteen years in International Insurance, I have never seen policies that give adequate coverage to sick people traveling abroad. Pre-existing conditions are almost never covered. If cost is a factor (and it usually is!) go with a higher deductible rather than a lower maximum benefit. A $1000 or $2000 debt to a hospital can be negotiated easier than a debt of $50,000 and up! Contact us if you need additional information.

I am going on an international trip from one to one hundred eighty days and need a supplemental travel insurance policy. 

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I travel overseas occasionally.  I need a supplemental travel insurance policy that I can pay annually.

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I will be traveling or living internationally for less than one year and need primary High Limit Major Medical Insurance plan.

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I will be traveling or living internationally for a year or more and need a primary High Limit Major Medical Insurance plan.

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I will be traveling to dangerous areas of the world.  I need a High Limit Accidental Death policy that will pay for most acts of terrorism.

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Non U.S. Citizens/Non U.S. Residents

I will be residing outside my Home Country for less than a year and need a primary High Limit Major Medical Insurance plan.

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I will be residing outside my Home Country for a year or more and need a primary High Limit Major Medical plan that will cover me and/or my family anywhere in the world.

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Healthcare and/or insurance is not very good in my Home Country.  I need a long term High Limit Major Medical plan that will cover me and my family in my Home Country or anywhere else in the world where we might seek medical treatment.

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I will be traveling to dangerous areas of the world.  I need a High Limit Accidental Death policy that will pay most acts of terrorism.

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