How Much Does Travel Medical Insurance Cost?
Travel medical insurance is commonly overlooked as something you may want to have when preparing for a trip, but investing a little in travel medical insurance could save you a lot of money in medical bills and other unexpected expenses. Many travelers don’t realize their home country’s health insurance may not cover them when they are in a foreign country. While it seems like the chance of being injured or sick while on vacation is low, a bout of food poisoning or a broken ankle happen more often than you might expect.
WorldTrips offers budget-friendly travel medical insurance coverage with our Atlas Travel® plans. Our flexible plans and optional coverage upgrades can help prepare you for the unexpected. We'll explain how travel medical insurance costs are configured so you can get an estimate of how much a plan could cost for your next trip.
Is Travel Medical Insurance Reasonably Priced?
Many WorldTrips travel medical policies start at less than a dollar a day. Our policies offer protection against unexpected medical expenses while abroad. Despite initial concerns about cost, travel medical insurance often proves to be a budget-friendly investment for several reasons:
Protection Against High Costs
Travel medical insurance can help mitigate substantial bills by covering eligible expenses which could include hospitalization and emergency evacuation.
Flexible Coverage
Choose your coverage length, deductible, and overall maximum limit. Plus, you can add additional coverage for some benefits.
Reasonable Premiums
The cost of your travel medical insurance plan is often reasonable compared to potential medical costs abroad, making it an accessible option for many travelers.
Other Benefits
In addition to medical coverage, our travel plans include trip interruption coverage, emergency assistance services, and more, offering added value. While there is a cost associated with travel medical insurance, its value can become evident when you consider the confidence you gain to travel fearlessly when you have coverage.
How Are Travel Medical Insurance Costs Configured?
Travel medical insurance costs can vary depending on factors such as coverage level, age, destination, and trip length. A full week of coverage with an Atlas Travel medical insurance plan from WorldTrips may cost less than $4 or more than $100. Most travel medical insurance policies charge a standard daily rate—applied per person and per day—that’s based on:
Traveler's Age
Your age determines which age group you fall into, which in turn could impact your travel medical insurance daily rate. Those in a younger age group will pay a lower rate than those in a higher age group.
Chosen Deductible
A deductible is a predetermined dollar amount of eligible expenses that you must pay before your travel medical plan will begin to cover its share of your remaining eligible expenses. As you increase your deductible, your daily rate will likely decrease (and if you decrease your deductible, you’ll likely see a higher daily rate).
Chosen Maximum Coverage Limit
This is the maximum amount your travel medical policy will pay for covered expenses. As you increase your maximum coverage limit, expect your daily rate to increase (and if you decrease your maximum coverage limit, you’ll likely see a lower daily rate).
Destination
Medical expenses are often higher in the U.S. than in other international countries. Your travel medical insurance daily rate will likely be lower if your coverage area doesn’t include the U.S.
How Much Does Travel Medical Insurance Cost for One Week?
The daily rate for travel medical insurance will vary from plan to plan, so be sure to compare coverages — not just prices. Because the daily rate is applied per person and per day, expect shorter trips and policies with fewer members to cost less, and longer trips and policies with several members to cost more.
Here are some cost examples for some of our travel medical insurance plans.
International Travel Medical Insurance
The Atlas Travel® medical insurance policy from WorldTrips starts as low as 50* cents per day, or $3.50* for one full week of coverage.
The maximum possible premium is $16.12** per day, or $112.84** for a full week of coverage.
*Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the youngest age groups (14 days - 29 years) who is traveling outside the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000).
**Costs based on the Atlas Travel daily rate in August 2024 for a traveler in the oldest age group (80+) who is traveling outside the U.S. with the lowest deductible ($0) and the overall maximum coverage limit available to this age group ($10,000).
International Travel Medical Insurance Premium Plans
The Atlas Travel Premium® travel medical insurance policy from WorldTrips starts as low as $0.70* per day, or $4.90* for one full week of coverage.
The maximum possible premium is $30.71** per day, or $214.97** for a full week of coverage.
*Costs based on the Atlas Travel Premium daily rate in August 2024 for a traveler in the youngest age group (14 days – 29 years) who is traveling outside the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000).
**Costs based on the Atlas Travel Premium daily rate in August 2024 for a traveler in the oldest age group (80+) who is traveling to the U.S. with the lowest deductible ($0) and the overall maximum coverage limit available to this age group ($50,000).
U.S. Visitor Travel Medical Insurance
For those traveling internationally into the U.S., the Atlas America® travel medical insurance policy from WorldTrips starts as low as 96* cents per day, or $6.72* for one full week of coverage.
The maximum possible premium for travel within the U.S. is $24.57** per day, or $171.99** for a full week of coverage.
*Costs based on the Atlas Travel America daily rate in August 2024 for a traveler in the youngest age groups (14 days - 29 years) who is traveling to the U.S. with the highest deductible ($5,000) and the lowest overall maximum coverage limit available to this age group ($50,000).
**Costs based on the Atlas Travel America daily rate in August 2024 for a traveler in the oldest age group (80+) who is traveling to the U.S. with the lowest deductible ($0) and the overall maximum coverage limit available to this age group ($10,000).
Enhance Your Travel Medical Insurance With Optional Upgrades
Our Atlas Travel plans offer additional upgrades to enhance your coverage. These upgrades will increase your travel medical insurance cost, but if you bundle all three of them, you can save money.
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Crisis Response – your Crisis Response coverage amount to $100,000
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Personal Liability – Increase your Personal Liability coverage amount to $100,000
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Accidental Death & Dismemberment (AD&D) – Increase your AD&D coverage amount to $50,000
WorldTrips' Atlas Travel plan also offers device protection from bolt for those traveling internationally and entering or exiting the United States. If you add this optional coverage at checkout, you'll have device protection coverage of up to $2,000 per plan ($1,000 maximum per claim) for screen cracks, liquid damage, and other accidental damage to your smartphone, laptop, or tablet.
How To Choose the Best Travel Medical Insurance Coverage
Selecting the right travel medical insurance coverage could help you travel confidently. Begin by getting quotes and adjusting the coverage options to find the policy that best aligns with your travel plans. Pay attention to policy limitations, exclusions, and deductible amounts to make an informed decision.
Additionally, consider purchasing insurance from a reputable provider with a track record of reliability and excellent customer support. For over 25 years, WorldTrips has been providing world travelers with international travel medical coverage.
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WorldTrips is a service company and a member of the Tokio Marine HCC group of companies.
WorldTrips’ Atlas Travel Series and StudentSecure international travel medical insurance products are underwritten by Lloyd's. WorldTrips has authority to enter into contracts of insurance on behalf of the Lloyd's underwriting members of Lloyd's Syndicate 4141, which is managed by HCC Underwriting Agency, Ltd.
WorldTrips' Atlas Journey, Atlas Cruiser, and Atlas On-The-Go trip protection insurance products are underwritten by Tokio Marine HCC's U.S. Specialty Insurance Company (USSIC). USSIC is a Texas-domiciled insurance company operating on an admitted basis throughout the United States. Coverage is available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. Coverage may not be available in all states.
In the State of California, operating as WorldTrips Insurance Services. California Non-Resident Producer License Number: 0G39705