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Emergency Medical
Research Coverage - Emergency Medical
The table below shows you which travel insurance company and plan provides you with the most
comprehensive coverage for the Emergency Medical
coverage element. The table is organized by product and ordered by amount of benefit
provided, coupled with our internal rating system that compares all plans within each
product.
Plan providing the most comprehensive coverage are rated 10 -
and are listed at the top of each section.
Plans with the least amount of coverage are rated 01 -
.
Plans providing no coverage are rated 0 -
.
The rating applies to the Emergency Medical coverage
element and not the plan as a whole. If you see a plan listed more than once, this means
the plan offers different coverage for the residents of the states listed next to
the plan name.
To select another Coverage, select it from the menu on the left of the screen.
The coverage will change to the one selected by you. Remember, you are only 6 quick
questions away from an instant quote and getting prices from all the major travel
insurance providers.
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Emergency Medical
Pays for the cost of treatment associated with a medical emergency incurred while traveling. "Primary Coverage" protects you when you do not have medical insurance at your destination. "Secondary Coverage" means that our insurance will only cover medical expenses that your own Primary Coverage does not. This includes items such as co-payment and deductible. If you have no Primary Coverage, you will need to provide an affidavit to the insurance company at the time of loss. If you have Primary Coverage you will need to provide a disposition of your claim with your primary insurance and supplemental insurance carriers upon filing a claim. "Schedule Benefits" plans limit payments to based on a schedule of prices and procedures determined by an insurance company.
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| Total Travel Protection (Per Trip) - provides the most coverage for all aspects of your trip - best overall coverage for all types of travel |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 1 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | | 2 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | |
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| Cancel for Any Reason (Per Trip) - provides provision that allows you to cancel your trip for any reason |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 3 | | | $250,000 Per Policy SECONDARY COVERAGE |  |  | | | | 4 | | | $100,000 Per Policy SECONDARY COVERAGE |  |  | | | | 5 | | | $100,000 Per Policy SECONDARY COVERAGE |  |  | | | | 6 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | |
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| Comprehensive Travel Protection (Per Trip) - provides comprehensive coverage for all aspects of your trip - best overall coverage for all types of travel |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 7 | | | $250,000 Per Policy SECONDARY COVERAGE |  |  | | | | 8 | | | $100,000 Per Policy SECONDARY COVERAGE |  |  | | | | 9 | | | $50,000 Per Person SECONDARY COVERAGE |  |  | | | | 10 | | | $25,000 Per Person SECONDARY COVERAGE |  |  | | | | 11 | | | $100,000 Per Policy SECONDARY COVERAGE |  |  | | | | 12 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 13 | | | $50,000 Per Person SECONDARY COVERAGE |  |  | | | | 14 | | | $20,000 Per Person SECONDARY COVERAGE |  |  | | | | 15 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 16 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 17 | | | $2,500 Per Student SECONDARY COVERAGE |  |  | | | | 18 | | | $10,000 Per Person (Travelers x $10,000 Per Policy) SECONDARY COVERAGE |  |  | | | | 19 | | | $25,000 Per Policy ($50,000 Per Family) SECONDARY COVERAGE |  |  | | | | 20 | | | $25,000 Per Person SECONDARY COVERAGE |  |  | | | | 21 | | | $25,000 Per Person SECONDARY COVERAGE |  |  | | | | 22 | | | $25,000 Per Policy SECONDARY COVERAGE |  |  | | | | 23 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 24 | | | $5,000 |  |  | | | |
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| Comprehensive Travel Protection () - intended for frequent travelers - provide most coverage for multiple trips |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 25 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | |
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| Cheap Travel Protection - for US citizens (Per Trip) - provides economy travel insurance for US citizens while traveling abroad - ideal for students and budget travelers - compare to Comprehensive Travel Protection before buying |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 26 | | | $25,000 Per Person SECONDARY COVERAGE |  |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for US citizens while living or working abroad (outside US) |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 27 | | | $5 Million |  |  | | | | 28 | | | US$5,000,000 lifetime |  |  | | | | 29 | | | US$5,000,000 lifetime |  |  | | | | 30 | | | $1 Million |  |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for US residents (not citizens) while living or working outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 31 | | | $5 Million |  |  | | | | 32 | | | US$5,000,000 lifetime |  |  | | | | 33 | | | US$5,000,000 lifetime |  |  | | | | 34 | | | $1 Million |  |  | | | |
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| International Major Medical Insurance () - provides long-term medical insurance for international citizens while traveling outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 35 | | | $5 Million |  |  | | | | 36 | | | US$5,000,000 lifetime |  |  | | | | 37 | | | US$5,000,000 lifetime |  |  | | | | 38 | | | $1 Million |  |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US citizens while traveling outside of United States |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 39 | | | $1 Million Per Person |  |  | | | | 40 | | | $2 Million Per Person |  |  | | | | 41 | | | $1 Million Per Person |  |  | | | | 42 | | | $1 Million Per Person |  |  | | | | 43 | | | $1 Million Per Person |  |  | | | | 44 | | | $500,000 Per Person |  |  | | | | 45 | | | $500,000 Per Person |  |  | | | | 46 | | | $500,000 Per Person |  |  | | | | 47 | | | $500,000 Per Person |  |  | | | | 48 | | | $500,000 Per Person |  |  | | | | 49 | | | $500,000 Per Person |  |  | | | | 50 | | | $250,000 Per Person |  |  | | | | 51 | | | $250,000 Per Person |  |  | | | | 52 | | | $100,000 Per Person |  |  | | | | 53 | | | $100,000 Per Person |  |  | | | | 54 | | | $100,000 Per Person |  |  | | | | 55 | | | $100,000 Per Person |  |  | | | | 56 | | | $100,000 Per Person |  |  | | | | 57 | | | $50,000 Per Person |  |  | | | | 58 | | | $50,000 Per Person |  |  | | | | 59 | | | $1 Million Per Person SECONDARY COVERAGE |  |  | | | | 60 | | | $500,000 Per Person SECONDARY COVERAGE |  |  | | | | 61 | | | $150,000 Per Person SECONDARY COVERAGE |  |  | | | | 62 | | | $75,000 Per Person SECONDARY COVERAGE |  |  | | | | 63 | | | $50,000 Per Person |  |  | | | | 64 | | | $50,000 Per Person |  |  | | | | 65 | | | $50,000 Per Person |  |  | | | | 66 | | | $10,000 Per Person |  |  | | | | 67 | | | $15,000 Per Person |  |  | | | | 68 | | | $10,000 Per Person |  |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US residents (not citizens) while traveling outside of United States |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 69 | | | $1 Million Per Person |  |  | | | | 70 | | | $1 Million Per Person |  |  | | | | 71 | | | $500,000 Per Person |  |  | | | | 72 | | | $500,000 Per Person |  |  | | | | 73 | | | $500,000 Per Person |  |  | | | | 74 | | | $100,000 Per Person |  |  | | | | 75 | | | $100,000 Per Person |  |  | | | | 76 | | | $100,000 Per Person |  |  | | | | 77 | | | $50,000 Per Person |  |  | | | | 78 | | | $1 Million Per Person SECONDARY COVERAGE |  |  | | | | 79 | | | $500,000 Per Person SECONDARY COVERAGE |  |  | | | | 80 | | | $150,000 Per Person SECONDARY COVERAGE |  |  | | | | 81 | | | $75,000 Per Person SECONDARY COVERAGE |  |  | | | | 82 | | | $50,000 Per Person |  |  | | | | 83 | | | $50,000 Per Person |  |  | | | | 84 | | | $15,000 Per Person |  |  | | | | 85 | | | $10,000 Per Person |  |  | | | |
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| International Travel Medical Insurance (Per Trip) - provides emergency medical insurance for non-US citizens while traveling outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 86 | | | $1 Million Per Person |  |  | | | | 87 | | | $1 Million Per Person |  |  | | | | 88 | | | $1 Million Per Person |  |  | | | | 89 | | | $1 Million Per Person |  |  | | | | 90 | | | $500,000 Per Person |  |  | | | | 91 | | | $500,000 Per Person |  |  | | | | 92 | | | $500,000 Per Person |  |  | | | | 93 | | | $500,000 Per Person |  |  | | | | 94 | | | $500,000 Per Person |  |  | | | | 95 | | | $250,000 Per Person |  |  | | | | 96 | | | $250,000 Per Person |  |  | | | | 97 | | | $100,000 Per Person |  |  | | | | 98 | | | $100,000 Per Person |  |  | | | | 99 | | | $100,000 Per Person |  |  | | | | 100 | | | $100,000 Per Person |  |  | | | | 101 | | | $100,000 Per Person |  |  | | | | 102 | | | $50,000 Per Person |  |  | | | | 103 | | | $50,000 Per Person |  |  | | | | 104 | | | $50,000 Per Person |  |  | | | | 105 | | | $50,000 Per Person |  |  | | | | 106 | | | $50,000 Per Person |  |  | | | | 107 | | | $10,000 Per Person |  |  | | | | 108 | | | $15,000 Per Person |  |  | | | |
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| Worldwide Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US/Canadian citizens while traveling domestically and abroad |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 109 | | | $50,000 Per Person SECONDARY COVERAGE |  |  | | | | 110 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | | 111 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 112 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | |
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| Worldwide Travel Medical Insurance (Per Trip) - provides emergency medical insurance for US/Canadian residents while traveling domestically and abroad |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 113 | | | $50,000 Per Person SECONDARY COVERAGE |  |  | | | | 114 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | | 115 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 116 | | | $50,000 Per Person PRIMARY COVERAGE |  |  | | | |
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| International Travel Medical Insurance () - intended for frequent travelers - provides long term emergency medical coverage for multiple trips |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 117 | | | $1 Million Per Person |  |  | | | | 118 | | | $1 Million Per Person |  |  | | | | 119 | | | $1 Million Per Person |  |  | | | | 120 | | | $1 Million Per Person |  |  | | | | 121 | | | $1 Million Per Person |  |  | | | | 122 | | | $1 Million Per Person |  |  | | | | 123 | | | $250,000 - international ($25,000 - domestic) SECONDARY COVERAGE ($100,000 For Individuals aged 70 - 84) |  |  | | | | 124 | | | $50,000 - international ($2,500 - domestic) SECONDARY COVERAGE |  |  | | | | 125 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | | 126 | | | $10,000 Per Person SECONDARY COVERAGE |  |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for US citizens while studying abroad (outside US) |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 127 | | | $300,000 (Participant) $50,000 (Spouse/child) |  |  | | | | 128 | | | $250,000 (Participant) $50,000 (Spouse/child) |  |  | | | | 129 | | | $250,000 per injury or sickness ($50,000 per injury or sickness - spouse/children) |  |  | | | | 130 | | | $250,000 per injury or sickness ($50,000 per injury or sickness - spouse/children) |  |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for US residents (not citizens) while studying outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 131 | | | $300,000 (Participant) $50,000 (Spouse/child) |  |  | | | | 132 | | | $250,000 (Participant) $50,000 (Spouse/child) |  |  | | | |
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| International Student Health Insurance () - provides comprehensive student health insurance for non-US citizens while studying outside their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 133 | | | $300,000 (Participant) $50,000 (Spouse/child) |  |  | | | | 134 | | | $250,000 (Participant) $50,000 (Spouse/child) |  |  | | | |
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| Worldwide Travel Medical Insurance () - provides comprehensive student health insurance for US citizens and residents while studying in US |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 135 | | | $1 million ($100,000 for each illness or injury) |  |  | | | | 136 | | | $1 million ($100,000 for each illness or injury) |  |  | | | | 137 | | | $1 million ($100,000 for each illness or injury) |  |  | | | | 138 | | | $1 million ($100,000 for each illness or injury) |  |  | | | |
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| Emergency Evacuation (Per Trip) - provides medical evacuation for your next trip |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 139 | | | $25,000 Per Person |  |  | | | |
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| Emergency Evacuation () - medical evacuation coverage for entire year - ideal for expatriates and people working outside of their home country |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 140 | | | $25,000 Per Person |  |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for US citizens while traveling abroad (outside US) - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 141 | | | $5 Million |  |  | | | | 142 | | | US$5,000,000 lifetime |  |  | | | | 143 | | | US$5,000,000 lifetime |  |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for US residents (not citizens) while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 144 | | | $5 Million |  |  | | | | 145 | | | US$5,000,000 lifetime |  |  | | | | 146 | | | US$5,000,000 lifetime |  |  | | | |
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| Scheduled Major Medical () - provides comprehensive health insurance for non-US citizens while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 147 | | | $5 Million |  |  | | | | 148 | | | US$5,000,000 lifetime |  |  | | | | 149 | | | US$5,000,000 lifetime |  |  | | | |
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| Scheduled Travel Accident () - provides travel health insurance for US residents (not citizens) while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 150 | | | $100,000 Per Person SCHEDULED BENEFITS |  |  | | | | 151 | | | $50,000 Per Person SCHEDULED BENEFITS |  |  | | | | 152 | | | $25,000 Per Person SCHEDULED BENEFITS |  |  | | | | 153 | | | $10,000 Per Person SCHEDULED BENEFITS |  |  | | | |
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| Scheduled Travel Accident () - provides travel health insurance for non-US citizens while traveling outside their home country - coverage is limited to a schedule |
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| # | | | Benefit | | Plan Details | Plan Cost | |
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| 154 | | | $100,000 Per Person SCHEDULED BENEFITS |  |  | | | | 155 | | | $50,000 Per Person SCHEDULED BENEFITS |  |  | | | | 156 | | | $25,000 Per Person SCHEDULED BENEFITS |  |  | | | | 157 | | | $10,000 Per Person SCHEDULED BENEFITS |  |  | | |
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Travel Insurance Terms related to Emergency Medical
Elective Treatment and Procedures - means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice. Usual and Customary Charge - means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile and the Anesthesia Relative Value Guide
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