Travel Insurance for International Trips

Whether you're exploring a new destination, visiting family overseas or embarking on the trip of a lifetime, a Travel Guard international travel insurance plan can help you prepare for the unexpected, so you can focus on enjoying your journey outside the U.S.

Traveling internationally opens the door to new experiences, cultures and memorable moments. But when you're far from home, unexpected events can be more complicated to navigate.

Great journeys deserve thoughtful preparation. Travel Guard® offers flexible international travel insurance plans designed to help travelers choose coverage that aligns with their destination, itinerary and travel priorities.

Top benefits of Travel Guard travel insurance plans for international travelers

  • Trip Cancellation
  • Trip Interruption
  • Travel Delay
  • Baggage Coverage
  • Travel Medical Expense
  • Emergency Evacuation
  • 24/7 Emergency Travel Assistance

What is international travel insurance?

International travel insurance plans can help protect your trip investment from covered unexpected events before and during travel abroad.

International travel often involves higher trip costs, longer itineraries, and unfamiliar healthcare systems. That's why many travelers choose international travel insurance with coverages designed for trips outside the U.S.

Preparing wisely with the best travel insurance plan for your international trip can help you focus on the experiences waiting for you instead of worrying about what could go wrong.

Is travel insurance worth it for international travel?

Many travelers believe travel insurance is worth it for international trips, because traveling abroad often involves greater risks and costs that can be more difficult to predict.

When you travel internationally, you’ll typically have prepaid and nonrefundable expenses such as:

  • Flights
  • Hotels
  • Cruises
  • Excursions
  • Tours

If an unexpected event disrupts your travel plans, you could lose your prepaid, nonrefundable trip expenses if you’re unable to take or complete your trip.

Here are several reasons why we think a Travel Guard travel insurance plan is worth it for international adventures:

  • Trip cancellation and interruption coverage for certain prepaid, nonrefundable expenses
  • Travel delay coverage for eligible reasons such as certain severe weather
  • Emergency medical expense and evacuation coverage for eligible medical treatment in other countries
  • 24/7 emergency travel assistance services including translation and finding an English-speaking doctor

Does my U.S. health insurance cover international travel?

U.S. health insurance policies may not cover international travel. When you’re in a country that may have a different native language and rules, it can be overwhelming and expensive to navigate international medical care on your own.

Before traveling internationally, it's a good idea to review your health insurance policy and understand:

  • Coverage limitations outside your home country
  • Out-of-network requirements
  • Emergency medical coverage availability
  • Medical evacuation benefits, if any
  • Claim filing procedures for international care

Looking for a dependable travel health insurance plan for your international trip? Visit our travel medical expense page to learn more about benefits.

What does international travel medical expense insurance  typically cover?

International travel medical expense insurance plans typically cover certain unexpected medical emergencies you experience while traveling abroad.

Depending on the plan you select, it may include:

  • Emergency medical expenses for covered illnesses or injuries
  • Emergency medical transportation
  • Emergency evacuation and repatriation
  • Hospital and physician services
  • 24/7 emergency medical assistance services
  • Medical referrals and coordination support

Because coverage varies by plan, it's important to review policy documents for coverage limits, exclusions and eligibility requirements.

Is travel insurance necessary for international travel?

Travel insurance is not required for most international trips, but many travelers do feel it’s important. Traveling abroad often involves significant prepaid expenses and risks that may be costly to manage without travel insurance.

Travel Guard international travel insurance plans can help travelers with a variety of unexpected challenges, from covered trip cancellations and travel delays to baggage issues and medical emergencies. While it may not be mandatory for your overseas adventure, it can make a difference if you face sudden disruptions.

What is the best travel insurance plan for international travel?

The best travel insurance plan for your international travel depends on factors such as your:

  • Destination
  • Trip cost
  • Medical coverage needs
  • Budget
  • Desired level of protection

Many international travelers look for plans that include:

  • Trip cancellation coverage
  • Emergency medical coverage
  • Medical evacuation benefits
  • Travel delay protection
  • Baggage coverage
  • 24/7 travel assistance services

At Travel Guard, the Deluxe Plan is our most comprehensive travel insurance plan for international trips. The Deluxe Plan offers our highest benefit limits and includes enhanced coverages tailored for travelers seeking more robust protection while traveling abroad.

How much is international travel insurance?

The cost of an international travel insurance plan varies based on factors such as:

  • The ages of all travelers on your policy
  • Your trip length
  • Your trip cost
  • Your chosen plan and coverage options

Because every trip is different, there is no standard price for a international travel insurance plan.

Want to access quick, personalized pricing? Visit our homepage or call our helpful customer service team for a Travel Guard quote.

See travel insurance plan options and pricing tailored to your international trip.

FAQs about travel insurance for international trips

What is the best international travel insurance plan for seniors?

The best international travel insurance plan for seniors is a plan that provides the coverage most important to your individual needs, health considerations and travel plans.

Many seniors prioritize:

  • Emergency medical expense coverage
  • Medical evacuation coverage
  • Trip cancellation coverage
  • 24/7 emergency travel assistance services
  • Pre-existing medical condition coverage
  • Protection for higher-value trips

Travel Guard offers several international travel insurance plans that can help seniors prepare for unexpected travel and medical emergencies while traveling abroad.

Where can I buy an affordable international travel insurance plan quickly?

You can compare affordable international travel insurance plans quickly online — it typically takes only a few minutes.

For travelers who want coverage quickly, our Pack N' Go Plan offers immediate post-departure coverage for eligible trips. It's a popular option for spontaneous vacations and international travelers who waited until the last minute to purchase travel insurance.

Travel Guard Pack N' Go Plan coverage highlights

  • Trip Interruption: up to $1,000
  • Trip Delay: up to $1,000
  • Missed Connection: up to $500
  • Travel Medical Expense: up to $50,000
  • Emergency Evacuation and Repatriation: $500,000
  • Lost, damaged or stolen baggage: up to $1,000
  • Baggage Delay: up to $200

Looking for trip cancellation coverage? Our Deluxe, Preferred and Essential plans provide pre-departure Trip Cancellation coverage and other coverages. Our Pack N’ Go plan only provides on-trip coverage.

Do Travel Guard travel insurance plans for international trips cover multiple destinations?

Yes. Travel Guard travel insurance plans provide coverage for international trips with multiple destinations.

Whether you're taking a European vacation, visiting several countries in Asia or embarking on a multi-stop cruise, your Travel Guard plan applies to the entire covered trip.

Important: Travel Guard travel insurance plans do not provide coverage for travel to, through or in OFAC-sanctioned countries or locations we have otherwise blocked from coverage.

Does Travel Guard offer a travel insurance plan with international medical coverage only?

Yes. We offer a MedEvac Per Trip Plan for travelers primarily looking for travel medical expense insurance for their international trip.

Our MedEvac Per Trip Plan provides travel medical expense and emergency evacuation coverage for international travel lasting up to 364 days. It can be a good option for travelers focused on medical expense protection while outside of the U.S.

The Travel Guard MedEvac Per Trip Plan includes features such as:

  • Up to $5 million Emergency Evacuation and Repatriation of Remains Coverage
  • Up to $50,000 Travel Medical Expense Coverage
  • Up to $500 Dental Expense Coverage
  • Up to $100,000 Security Evacuation Coverage
  • Up to $5,000 Ancillary Evacuation Coverage
  • Up to $25,000 Non-Flight Accidental Death and Dismemberment Coverage
  • Access to 24/7 emergency travel and medical assistance services, including physician referrals and medical evacuation coordination

If you’re considering broader trip investment protection in addition to travel medical insurance for your international vacation, you may also want to compare our comprehensive travel insurance plans: Deluxe, Preferred and Essential.

Do Travel Guard travel insurance plans cover pre-existing medical conditions for international travel?

Travel Guard’s Deluxe, Preferred and Essential plans offer a Pre-Existing Medical Condition Exclusion Waiver if certain eligibility requirements are met.

To qualify for an international travel insurance plan with pre-existing medical condition exclusion waiver, you typically must:

·         Purchase coverage within 15 days after your initial trip deposit.

·         Insure all prepaid, nonrefundable trip costs.

·         Be medically able to travel when you buy the plan.

·         Meet all plan and state-specific eligibility requirements.

If you would like to be eligible for the pre-existing medical condition exclusion waiver, we recommend buying your plan soon after making your initial trip deposit and reviewing policy documents carefully for complete requirements and exclusions.

How can I compare Travel Guard’s international travel insurance plans online?

The easiest way to compare Travel Guard's international travel insurance plans online is to get a quote. Based on the trip and traveler details you enter, you can review your coverage options side by side to help you decide on the best travel insurance plan for your international vacation.

Compare travel insurance plans for your international trip.

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The Travel Guard approach to international travel insurance plans

Traveling to another country comes with unique challenges, and no two trips are alike. Travel Guard® international travel insurance plans are designed to help travelers find coverage that fits their unique destination, travel style and budget.

Whether you're looking for comprehensive trip investment protection, same-day coverage, or medical-focused coverage, Travel Guard provides options — and all plans include 24/7 emergency travel assistance services.

Travel Guard travel insurance plan reviews from real international travelers

Wondering how Travel Guard has helped other travelers on international trips? Explore more reviews and experiences from real customers.

Explore inspiration and resources for international travel

Ready to get a travel insurance plan for your international trip?

Questions?

Call us at: 800-826-5248

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Coverage available to residents of U.S. states and the District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. Similar travel insurance coverage, offered by Travel Guard or another insurance provider, may be available through a variety of other sources, but may be subject to different terms and conditions (i.e. benefits, limits, exclusions, etc.). You may wish to compare the terms and conditions of this policy with those of your existing life, health, home and automobile insurance policies, as well as any other coverage which you may already have or is available to you, including through other insurers, as a member of an organization, or through your credit card program(s). If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, www.travelguard.com. CA DOI toll free number: 800-927-HELP. This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance may be underwritten by American Zurich Insurance Company, a New York company (NAIC No. 40142), Zurich American Insurance Company, an Illinois company (NAIC No. 16535), each having its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196, or National Union Fire Insurance Company of Pittsburgh, Pa. (NAIC No. 19445), a Pennsylvania insurance company, having its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. Please review the Plan offered to or purchased by you to confirm the underwriting insurer for your specific policy of insurance. Coverage may not be available in all states. Travel assistance services provided by Travel Guard.