Do I Need Travel Medical Insurance?

Travel health insurance is essential for international trips, as most U.S. health insurance plans, including Medicare, do not provide coverage abroad. Without it, you may face high out-of-pocket medical costs in the event of an emergency.

When and Where Is It Needed?

  • Domestic Travel (Within the U.S.): If you have a U.S. health insurance plan, additional travel medical coverage may not be necessary unless you’re looking for extra benefits like emergency evacuation.
  • International Travel: Strongly recommended, as U.S. health insurance typically does not cover medical expenses overseas. Some countries even require proof of coverage for entry.
  • High-Risk Travelers: Those with pre-existing conditions, pregnant travelers, or individuals engaging in adventure activities should consider comprehensive coverage to avoid unexpected medical costs.

Don’t just take it from us. The U.S. Department of State strongly advises all travelers to have travel health insurance, emphasizing that U.S. healthcare plans are often not accepted abroad, and medical evacuations can be extremely costly.

How Much Is Travel Medical Insurance?

Travel medical insurance is the most affordable type of trip protection, costing roughly $4.60/day on average.

This is based on internal sales data from thousands of travelers who purchased travel medical-only travel insurance through Squaremouth over the past 12 months. The average traveler spent $92 on travel medical insurance with an average trip length of 20 days.

With that said, you can find medical insurance for overseas travel for as little as $1/day by comparing options from multiple providers.

Travel insurance companies will factor your age, trip length, destination, and coverage limits when determining policy premiums.

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Best Travel Medical Insurance Providers of 2025

Squaremouth ranks the three best companies for travel medical insurance based on policies sold:

View a full breakdown of the top travel medical insurance providers.

Types Of Travel Medical Coverage

Travel medical insurance typically includes several types of coverage to protect travelers in case of health emergencies abroad.

Emergency Medical Coverage

Pays for unexpected medical expenses, such as doctor visits, hospital stays, and treatments.

Medical Evacuation Insurance

Covers transportation to the nearest suitable medical facility if adequate care isn’t available locally.

Repatriation Coverage

Provides for the return of remains or transport home if medically necessary.

Coverage for Pre-Existing Conditions

Some policies offer coverage for medical issues that existed before the trip, often with specific conditions or requirements.

Can You Buy Just Medical Travel Insurance?

Yes, it’s possible to purchase international medical insurance without having to invest in a comprehensive travel insurance plan.

A travel medical policy will cover healthcare costs incurred overseas, including hospital stays, medical evacuations, doctor visits, and prescription medication.

A standalone travel medical policy is a great option if you:

  • Travel Abroad: Travel medical insurance is crucial for international trips as U.S. health insurance is rarely accepted overseas
  • Are Budget-Conscious: Purchasing a travel medical policy is often significantly cheaper than comprehensive travel insurance
  • Have Existing Trip Protection: Some travel credit cards provide trip cancellation coverage, which may reduce your need for a comprehensive plan
  • Need Medical Coverage: Travel medical policies include strong coverage for unexpected medical expenses and evacuation costs
  • Have a Pre-Existing Condition: Travel insurance with medical conditions coverage is crucial if you are traveling with an existing health issue

How Much Travel Medical Insurance Do I Need?

The amount of medical travel insurance you need depends on several factors, including your destination, age, medical history, and travel itinerary.

General Emergency Medical Recommendations

  • Domestic Trips: If you have existing health insurance, travel medical insurance may not be necessary for domestic travel. Nevertheless, you can purchase a basic plan for peace of mind.
  • International Trips: We recommend plans that include at least $50,000 in Emergency Medical coverage and $100,000 in Medical Evacuation coverage for most international trips.
  • Cruises: Due to the expensive nature of receiving medical treatment at sea, you should consider a plan that offers at least $100,000 in Emergency Medical coverage and $250,000 in Medical Evacuation protection for your cruise vacation.
  • Remote & Adventure Vacations: If you are participating in hazardous activities or traveling to regions far from medical facilities, you should look for policies that offer no less than $100,000 in Emergency Medical coverage and $500,000 in evacuation coverage.

Is Travel Medical Insurance Worth It?

Yes, buying travel medical insurance is worth the expense, especially if you’re planning international travel. Not only are medical-only travel insurance plans affordable, but many include a wide-range of benefits that protect against the most common trip disruptions.

A well-rounded travel medical plan will provide:

  • Financial Protection: Covers unexpected expenses incurred while traveling
  • Medical Coverage: Pays for medical costs, such as hospital stays, emergency evacuations, doctor visits, and prescription medication
  • Peace of Mind: Reduces stress by ensuring coverage for the duration of your trip
  • Emergency Assistance: Provides support for finding care, hospital transport, logistics, and translation services

Which Medical Travel Insurance Is Best?

Finding the best medical insurance for international travel involves comparing policies from reputable providers, considering factors such as coverage limits, exclusions, premiums, and customer reviews. It's essential to choose a plan that aligns with your specific travel plans and health needs.

For detailed comparisons and to obtain a personalized quote, explore our guide on the best medical travel insurance.

See Best Medical Travel Plans