Travel Medical Insurance

Travel medical insurance can help travelers prepare for medical-related risks that may happen away from home. It may be especially important for international trips, visitors coming to the United States, extended travel, student travel, senior travel, mission trips, or situations where regular health insurance may not work the same way outside a normal service area.
National Benefits Consultants helps travelers review travel medical insurance options and access plan choices through International Medical Group, also known as IMG.

Why Travel Medical Insurance Matters

Health insurance and Medicare may not always provide the same protection when someone is traveling, especially outside the United States. Provider access, emergency care, medical evacuation, claim procedures, and plan limitations can work differently when travel is involved.
Travel medical insurance may be worth reviewing before a trip if you are concerned about:
  • Medical emergencies while traveling
  • International medical care
  • Emergency medical evacuation
  • Visitors traveling to the United States
  • Students or exchange visitors
  • Senior travelers
  • Extended trips
  • Mission, volunteer, or group travel
  • Gaps between domestic health coverage and travel needs
The right plan depends on where you are going, how long you will be gone, your age, your health situation, and what type of protection you want to review.

Travel Medical Is Different From Trip Cancellation Insurance

Travel medical insurance is not the same as trip cancellation insurance.
Travel medical coverage is focused on medical-related risks while traveling. Trip cancellation and trip interruption coverage usually focuses more on prepaid trip costs, cancellations, interruptions, delays, and other travel expense issues.
Some travel plans may combine different types of benefits, but travelers should review the plan details carefully before buying coverage.

Common Travel Medical Insurance Questions

Travelers often ask:
  • Will my regular health insurance cover me while traveling?
  • Does Medicare cover me outside the United States?
  • What happens if I need emergency medical care abroad?
  • Is emergency medical evacuation included?
  • Can visitors to the United States buy coverage?
  • Are pre-existing conditions handled differently?
  • How long can coverage last?
  • What plan fits a student, senior traveler, or extended trip?
  • What exclusions or limitations apply?
The answers depend on the specific plan and the traveler’s situation.

IMG Travel Medical Plan Options

National Benefits Consultants provides access to travel medical insurance options through IMG.
IMG’s plan platform includes Travel Medical plan categories and popular plan options such as Patriot Travel Series, Patriot Exchange Program, and GlobeHopper Senior.
Use the link below to review available IMG travel medical options, compare plan details, and begin the quote or enrollment process.

What to Review Before Choosing a Travel Medical Plan

Before buying travel medical insurance, review:
  • Destination
  • Trip length
  • Traveler age
  • Coverage maximums
  • Deductibles
  • Emergency medical benefits
  • Medical evacuation benefits
  • Pre-existing condition rules
  • Provider access
  • Claim procedures
  • Exclusions and limitations
  • Whether the plan fits the type of trip being taken
IMG notes that plan benefits are subject to exclusions and limitations, and that actual benefits are controlled by the insurance contract rather than a general summary.
That is why plan documents should be reviewed before enrollment.

How National Benefits Consultants Helps

National Benefits Consultants helps travelers think through practical coverage questions before they choose a plan.
We can help you review:
  • Travel medical insurance options
  • International travel concerns
  • Visitor medical coverage
  • Senior travel considerations
  • Student and exchange visitor coverage
  • Trip length and destination issues
  • Medical evacuation concerns
  • How to access IMG quote and enrollment options
Our goal is to help travelers understand the type of coverage they are reviewing before applying.

Need Help Reviewing Travel Medical Insurance?

Need help reviewing travel medical insurance, international travel coverage, visitor medical coverage, senior travel options, or IMG travel medical plan choices?
Call 720-488-9892 or contact National Benefits Consultants to discuss your travel medical insurance options.
Related topics: Travel Insurance | Trip Cancellation and Trip Interruption Insurance | International Travel Insurance | Contact National Benefits Consultants