Travel coverage · Licensed in 48 states

Travel Insurance Plans

Coverage that travels with you

Your health plan almost certainly stops at the border. We compare travel medical and trip protection plans for vacations, business travel, study abroad and visitors coming to the United States — and explain what each one actually pays for before you buy.

What to expect

Travel insurance: what to expect

Travel insurance covers two very different risks, and most people only think about one of them.

Medical care abroad

Most US health plans, including Medicare, cover little or nothing outside the country. A travel medical plan pays for emergency treatment, hospital stays and doctor visits while you are away.

The money you prepaid

Flights, cruises, tours and deposits are usually non-refundable. Trip protection reimburses what you would otherwise lose if a covered reason forces you to cancel or come home early.

Getting you home

Emergency medical evacuation is the cost nobody budgets for and the one that can run well into six figures. It is included on most travel medical plans and is the strongest argument for carrying one.

Quotes across every travel plan and carrier

Tell us where you are going, how long for, and how much of the trip is already paid. We put the real numbers side by side — premium, deductible, medical maximum, evacuation limit and what is excluded — so you can see what you are buying.

If you would rather ask a question first, a licensed agent can talk it through with no obligation.

Plan types

Travel insurance key benefits

Three structures cover most travel needs. They solve different problems, so the right answer depends on what you stand to lose.

Travel medical insurance

Health coverage for the time you are outside the country, including emergency treatment, hospital admission and evacuation. This is the plan type that matters most, because a serious medical event abroad is the one travel expense with no ceiling. Also available for visitors traveling to the United States.

Trip protection

Reimburses prepaid, non-refundable costs when a covered reason — illness, injury, a death in the family, severe weather — forces you to cancel or cut the trip short. Usually needs to be bought within a short window after your first deposit, and Cancel For Any Reason is an optional upgrade with its own rules.

Annual multi-trip plans

One policy covering every trip you take in a year, up to a set length per trip. Cheaper than buying cover trip by trip if you travel several times a year, and there is nothing to arrange before each departure. Trip cancellation is often not included, so check before assuming it is.

Side by side

Compare the difference in travel plans

The choice comes down to what you are protecting: your health while you are away, or the money you already spent getting there.

Feature	Travel medical	Trip protection	Annual multi-trip
In short	Health coverage while you are abroad	Protects the money you prepaid	One policy covering a year of trips
What it pays for	Emergency treatment, hospital stays, doctor visits and evacuation outside the United States.	Non-refundable flights, hotels, tours and deposits when a covered reason forces you to cancel or cut a trip short.	Usually travel medical, sometimes with trip protection bundled, across unlimited trips under a set length.
Pros	Covers the risk that bankrupts travelers Includes emergency evacuation Inexpensive relative to what it covers Available for visitors coming to the US	Refunds prepaid costs you would lose Covers interruption, not just cancellation Often includes baggage and delay benefits Cancel For Any Reason available as an upgrade	Cheaper than buying trip by trip Nothing to arrange before each trip Suits frequent business travel
Cons	Pays nothing toward a cancelled trip Pre-existing conditions may be excluded Deductible usually applies	Must usually be bought soon after your first deposit Only named reasons are covered Priced as a share of trip cost, so long trips cost more	Per-trip length limits apply Trip cancellation often not included Poor value for one trip a year
Typical cost	Priced by age, destination and length of stay	Commonly a single-digit percentage of the trip cost	A flat annual premium
Best suited to	Anyone leaving the country, and visitors arriving in the US	Cruises, tours and anything with large non-refundable deposits	People taking several short trips a year

Scroll sideways to compare all three →

What travel plans typically cover

Limits, deductibles and exclusions vary by carrier and destination — worth confirming before you travel.

Emergency medicalTreatment, hospital stays and doctor visits abroad

Medical evacuationTransport to adequate care, or home if needed

Trip cancellationPrepaid costs refunded for covered reasons

Trip interruptionUnused portion and the cost of getting home

Baggage & delayLost, stolen or delayed luggage and essentials

24/7 assistanceA line to call that works in your time zone

Common questions

Does my health insurance work overseas?

Usually not. Most US plans cover emergencies abroad only in a very limited way, and Original Medicare covers almost nothing outside the country. Check your own plan documents, but assume you are uninsured abroad until you confirm otherwise.

When do I need to buy trip protection?

Soon after your first deposit. Many benefits — pre-existing condition waivers and Cancel For Any Reason in particular — are only available if you buy within a set number of days of that first payment. Waiting is the most common way people lose access to the coverage they wanted.

What is Cancel For Any Reason?

An optional upgrade that lets you cancel for reasons a standard policy would not cover. It reimburses a percentage of your trip cost rather than all of it, must usually be purchased early, and requires you to cancel a set number of days before departure.

Are pre-existing conditions covered?

Often excluded by default, but many plans offer a waiver if you buy early and are medically fit to travel at the time of purchase. Tell your agent about any ongoing condition before you buy rather than after a claim is denied.

Can visitors to the United States get coverage?

Yes. Visitor medical plans are written for people traveling to the US — parents visiting family, extended stays, and new arrivals waiting on other coverage. They are not major medical plans and do not satisfy any US coverage requirement, but they cover emergency care during the visit.

What is medical evacuation, and do I need it?

It pays to move you to a facility that can actually treat you, or home if that is medically necessary. An air ambulance can cost more than a house. If you are traveling anywhere remote, on a cruise, or somewhere with limited hospitals, it is the single benefit worth checking the limit on.

Travel quotes specialized for you

Tell us your destination, your travel dates, the ages of everyone traveling and how much of the trip is non-refundable. A licensed agent will compare medical maximums, evacuation limits and exclusions so you know what you would actually be covered for.

All Solution Plus is a licensed insurance agency. We do not offer every plan available in your area. Travel insurance benefits, exclusions, deductibles, coverage limits, eligibility and pricing vary by carrier, destination, age and length of travel. Pre-existing medical conditions may be excluded unless a waiver applies. Travel medical insurance is not major medical coverage and does not satisfy any US health coverage requirement. Any information we provide is limited to the plans we offer. Coverage is governed solely by the terms of the policy issued.