What is a Travel Insurance Medical Deductible?

A travel insurance medical deductible is the dollar amount that a policyholder must pay out-of-pocket before their insurance company covers the remainder of the claimed medical expenses.

Not all travel insurance policies include a medical deductible, and those that do typically range from $50 to $250. While rare, some travel medical plans may include higher deductibles that can exceed $2,500.

A deductible can be charged per policy, per person, per occurrence, or as a combination of the three. Deductible amounts, exclusions, and coverage limits may differ by policy.

How Does a Travel Medical Insurance Deductible Work?

A travel insurance deductible works exactly like a deductible you may find in a health insurance policy. It’s a set sum of money you must pay before you’re eligible for reimbursement through your travel insurance policy’s medical coverage. Similar to a co-pay, a deductible is a way for policyholders and insurers to share the financial responsibility of medical expenses.

For example, let’s say you’re traveling overseas with a travel insurance plan that includes a $100 per person medical deductible. During your trip, you suffer an unexpected injury and need to receive medical treatment. Under your policy’s contract, you’ll be required to pay $100 towards the cost of your medical care before your insurance covers the remainder of the bills.

Depending on your travel insurance provider’s co-insurance, you may be responsible for a small percentage of medical expenses after your deductible is met.

Do All Travel Insurance Plans Include A Medical Deductible?

No, not all travel insurance plans will make you pay a medical deductible when filing a claim. The majority of travel health insurance plans found on Squaremouth do not included medical deductibles, and will offer coverage immediately.

To check to see if a policy includes a medical deductible, you can review the policy details or reference its Certificate of Insurance at any time.

Should You Avoid Plans That Include Medical Deductibles?

No, just because a travel insurance policy includes a medical deductible does not mean that the policy is bad or offers sub-standard coverage. Even the best travel insurance companies offer plans that include deductibles.

Purchasing travel medical insurance coverage, regardless of the deductible amount, can add peace of mind and protect yourself from costly out-of-pocket expenses when planning domestic or international travel.

Ideally, your medical plan will cover all or most of the unexpected health care costs you may incur while you travel. Buying a travel insurance policy with a lower deductible, or no deductible at all, can help ease the financial burden or getting sick or injured while away from home.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Medical Deductible coverage.

Looking for a policy with Medical Deductible coverage?

Enter your trip information on our custom quote form. Once you receive your results, select the Medical Deductible filter to find the best policy for your trip with the coverage that you need.

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Medical Deductible by Provider

Last Updated: 09/26/2024
Aegis Aegis
Policy Name and Summary of Coverage
1

Go Ready Choice

No Medical Deductible

There is no Medical Deductible with this plan.

2

Go Ready Pandemic Plus

$50 per occurrence

“Deductible” means the dollar amount You must contribute to the loss.

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battleface battleface
Policy Name and Summary of Coverage
3

Discovery Plan

$0 per person

Deductible means the dollar amount you must contribute to the loss.

Optional Coverage

The following will be included if elected and appropriate costs have been paid:

Travel Medical Expense Deductible: $50.

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Berkshire Hathaway Travel Protection Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
4

ExactCare

No Medical Deductible

There is no Medical Deductible with this plan.

5

ExactCare Value

No Medical Deductible

There is no Medical Deductible with this plan.

6

LuxuryCare

No Medical Deductible

There is no Medical Deductible with this plan.

7

LuxuryCare

No Medical Deductible

There is no Medical Deductible with this plan.

GeoBlue GeoBlue
Policy Name and Summary of Coverage
8

Voyager Choice excl US

$250 per person

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

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9

Voyager Essential excl US

$250 per person

Deductibles

Deductibles are prescribed amounts of Covered Expenses the Covered Person must pay before benefits are available. The Deductible applies to all Covered Expenses, unless otherwise stated. Only Covered Expenses are applied to the Deductible. Any expenses the Covered Person incurs in addition to Covered Expenses are never applied to any Deductible.

Deductibles will be credited on the Insurer’s files in the order in which the Covered Person’s claims are processed, not necessarily in the order in which he/she receives the service or supply.

If the Covered Person submits a claim for services which have a maximum payment limit and his/her Period of Insurance Deductible is not satisfied, the Insurer will only apply the allowed per visit, per day, or per event amount (whichever applies) toward any applicable Deductible.

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10

Trekker Choice excl US

$100 per person

Deductible – $100 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

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11

Trekker Essential excl US

$200 per person

Deductible – $200 per Covered Person per Period of Insurance

Deductible means the amount of Covered Expenses the Covered Person must pay for Covered Services before benefits are available to him/her under this Certificate

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Global Underwriters Global Underwriters
Policy Name and Summary of Coverage
12

Diplomat International

$250 per person

Deductible means the dollar amount of Eligible Expenses which must be incurred and paid by the Plan Participant before benefits are payable under the Plan Document. It applies separately to each Plan Participant.

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HTH Travel Insurance HTH Travel Insurance
Policy Name and Summary of Coverage
13

TravelGap Voyager excl US

$250 per person

The deductible is $0, $100, $250 or $500 Per Person as selected.

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

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14

TravelGap Excursion excl US

$250 per person

Deductible means the amount of expenses for covered services and supplies that must be incurred by You before specified benefits become payable.

The deductible is $0, $100, $250 or $500 Per Person as selected.

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IMG IMG
Policy Name and Summary of Coverage
15

iTravelInsured Travel SE

No Medical Deductible

There is no Medical Deductible with this plan.

16

Patriot America Plus

$250 per person

Deductible – $0, $100, $250, $500, $1,000 or $2,500 per Insured Person, as indicated on the Declaration.

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17

iTravelInsured Travel LX Basic

No Medical Deductible

There is no Medical Deductible with this plan.

18

Patriot America Platinum

$250 per person

Deductible:

$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per Insured Person, as indicated on the Declaration.

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19

Patriot America Lite

$250 per person

Deductible – $0, $100, $250, $500, $1,000 or $2,500 per Insured Person, as indicated on the Declaration.

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20

Patriot International Lite

$250 per person

Deductible: $0, $100, $250, $500, $1,000 or $2,500 per Insured Person, as indicated on the Declaration

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21

Patriot International Platinum

$250 per person

Deductible:

$0, $100, $250, $500, $1,000, $2,500, $5,000, $10,000 or $25,000 per Insured Person, as indicated on the Declaration.

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MedjetAssist MedjetAssist
Policy Name and Summary of Coverage
22

Annual Membership

No Medical Deductible

There is no Medical Deductible with this plan.

23

MedjetAssist Extended Stay

No Medical Deductible

There is no Medical Deductible with this plan.

24

MedjetAssist Short Term Plan

No Medical Deductible

There is no Medical Deductible with this plan.

Seven Corners Seven Corners
Policy Name and Summary of Coverage
25

Trip Protection Choice

No Medical Deductible

There is no Medical Deductible with this plan.

26

Trip Protection Economy

No Medical Deductible

There is no Medical Deductible with this plan.

27

Trip Protection Elite

No Medical Deductible

There is no Medical Deductible with this plan.

28

Trip Protection Basic

No Medical Deductible

There is no Medical Deductible with this plan.

29

Travel Medical Basic incl US

$250 per person

3.1 Deductible, Copay and Coinsurance.

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount in the Schedule of Benefits.

Deductible:

The Deductible is in the Schedule of Benefits. It is separate from and does not include Copay or Coinsurance.

Copay:

The Copays are in the Schedule of Benefits. They are separate from and do not include Deductible or Coinsurance.

Coinsurance:

See the Schedule of Benefits.

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30

Travel Medical Choice incl US

$250 per person

3.1 Deductible, Copay and Coinsurance.

Subject to Section 1.6, the Deductible and Coinsurance are per Insured Person and per Period of Coverage. They are applied to Covered Expenses and must be paid by You prior to receiving payment or reimbursement of benefits under this Certificate. Copays are per Insured Person, per service or supply, and are not subject to a limit. In no event will the Company’s maximum liability exceed the amount in the Schedule of Benefits.

Deductible:
The Deductible is in the Schedule of Benefits. They are separate from and do not include Copay or Coinsurance.

Copay:
The Copays are in the Schedule of Benefits. It is separate from and does not include Deductible or Coinsurance.

Coinsurance:See the Schedule of Benefits

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Tin Leg Tin Leg
Policy Name and Summary of Coverage
31

Economy

No Medical Deductible

There is no Medical Deductible with this plan.

32

Economy

No Medical Deductible

There is no Medical Deductible with this plan.

33

Standard

No Medical Deductible

There is no Medical Deductible with this plan.

34

Standard

No Medical Deductible

There is no Medical Deductible with this plan.

35

Luxury

No Medical Deductible

There is no Medical Deductible with this plan.

36

Luxury

No Medical Deductible

There is no Medical Deductible with this plan.

37

Adventure

No Medical Deductible

There is no Medical Deductible with this plan.

38

Adventure

No Medical Deductible

There is no Medical Deductible with this plan.

39

Gold

No Medical Deductible

There is no Medical Deductible with this plan.

40

Basic

No Medical Deductible

There is no Medical Deductible with this plan.

41

Platinum

No Medical Deductible

There is no Medical Deductible with this plan.

42

Silver

No Medical Deductible

There is no Medical Deductible with this plan.

Travel Insured International Travel Insured International
Policy Name and Summary of Coverage
43

Worldwide Trip Protector Plus

No Medical Deductible

There is no Medical Deductible with this plan.

44

Worldwide Trip Protector

No Medical Deductible

There is no Medical Deductible with this plan.

Trawick International Trawick International
Policy Name and Summary of Coverage
45

Safe Travels Protect

$100 per person

$100 per person deductible.

Deductible means the dollar amount You must contribute to the Loss.

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46

Safe Travels Defend

$100 per person

$100 per person deductible.

Deductible means the dollar amount You must contribute to the Loss.

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47

Safe Travels Armor

$50 per person

$50 per -person deductible

Deductible means the dollar amount You must contribute to the Loss.

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