International travel insurance
Last updated: January 1
What is international travel insurance?
What does international travel insurance typically cover?
International travel insurance can cover a variety of scenarios that you may encounter during your travels. Each policy can vary based on location, activities and mode of travel, but here are some common covered circumstances.
International medical expenses
Falling ill or getting injured in a foreign country can be a daunting experience, especially with unfamiliar healthcare systems. International medical insurance typically covers your medical expenses, giving you access to quality treatment without the burden of hefty bills.
Life is unpredictable, and sometimes, unforeseen circumstances may force you to cancel or cut short your trip. With travel insurance, you can recover the non-refundable expenses incurred due to trip cancellations or interruptions.
Misplaced luggage can be a significant loss during your travels. Some travel insurance plans offer compensation for lost or delayed baggage so you can replace your essentials and carry on with your journey.
Flight delays can disrupt your travel plans and lead to unexpected expenses. Some international travel insurance plans can help cover such delays, providing you with the financial support needed to cope with unforeseen events.
When you're in a foreign country, language barriers and unfamiliar surroundings can add to the stress during emergencies. Travel insurance often offers 24/7 emergency assistance, giving you the tools to navigate your situation regardless of the language barrier.
Coverage for cruises, planes and cars
In most circumstances, no matter how you choose to travel, there are travel insurance options available to you. These plans can help give you a sense of security and cover some of the most common issues that occur based on your mode of travel.
Cruise insurance can help cover your water-bound adventure from start to finish. This can include coverage for cancellations, inconveniences during travel, medical expenses, baggage losses, and even lodging in some plans.
Flights are the most common mode of international travel, and flight coverage ensures you're protected from flight-related mishaps, such as cancellations, delays and lost baggage.
Rental car coverage
Exploring foreign destinations by car can offer a sense of freedom, but accidents can happen. Travel insurance can help cover the cost of rental car damage or theft, allowing you to enjoy your road trips worry-free.
One of the greatest advantages of international travel insurance is its flexibility. Most insurers offer various customizable plans to suit your specific needs. If you are adventurous, you can get coverage for some of your higher-risk activities, while leisure travelers can stick to basic coverage.
Single trip or annual coverage
In addition to coverage for single international trips, some insurers also offer annual coverage for international travel. This option can help frequent travelers simplify their travel arrangements and provide them the peace of mind of consistent coverage.
Travel insurance companies offer add-ons to enhance your coverage, such as hazardous activities coverage, sports-related coverage, or coverage for high-value belongings.
Is international travel insurance necessary?
While international travel insurance isn’t required in most cases, it can help provide protection in unexpected situations that may become even more difficult to navigate in an unfamiliar environment.
Help when and where you need it
Navigating unexpected circumstances when traveling abroad can be difficult. Insurance providers often have access to an extensive network of international partners that can provide you with seamless support on your trip. Whether you need medical evacuation, translation services, or help during critical situations, these networks can provide you with an extra layer of support.
Where can I get international travel insurance?
Many reputable insurers offer comprehensive international travel insurance plans. Prospective international travelers should always do their research and make sure that they are getting the best coverage for their destination and activities.