April International Travel Insurance: The Best Travel Insurance

April International is one of the best international insurance providers because of its claims handling and customer satisfaction. Plans include access to private health facilities abroad without a deductible.

Are you looking for international health insurance? Whether you’re moving abroad or just planning a trip, keep reading to find out where to find the best insurance plans for your needs.

We’ll discuss why April International is one of the best insurance companies for international coverage. Find out more about deductibles and offerings tailored to your needs as a traveler or expat.

Why Is April International the Best International Health Insurance?

We recommend April International as one of the best health insurance providers for coverage abroad. With 4,000 employees dedicated to customer service and handling claims, April International prioritizes customer satisfaction. It offers a variety of policies so that you can customize your coverage.

April International Offers Reliable Service

April International has been in business for more than 30 years! The company has offices in 28 countries and has six million customers across the globe. Their large pool of customers and long history in travel insurance means they offer a service you can rely on.

Customize Coverage

April International Health Insurance offers short-term international health insurance plans for 1-12 months. These plans may be extended one time for up to six months and can be for an individual or family. Depending on your medical needs and budget, you can select your type of coverage.

What Plans Does April International Offer?

April International offers plans for short-term trips abroad and long-term coverage for expats or digital nomads moving abroad. Plans may be for comprehensive medical coverage or emergency coverage only. Plans may be for an individual or family.

Decide how long you will need coverage for and how many people will be on your plan. April International has plans for the following situations.

• Short-Term 

Short-term plans are for less than 12 months. This coverage is perfect for individuals and families who will only be abroad for a few months whether they are traveling or working.

• Long Term

Long Terms plans are available for expats living or working abroad for longer periods of time. 

• Family Plans

Family Plans cover up to two adults over the age of 21 and 1 to 3 children.

Based on your budget and medical needs, you can also decide how comprehensive the coverage will be through April International.

• Emergency Plan 

Emergency plans are a lower-cost option for individuals or families who only need limited coverage. This plan is a cost-effective way to protect yourself financially from a medical emergency abroad.

• Comfort Plan

A comfort plan will cover individuals and families in all situations. This is the most comprehensive plan to cover your medical needs abroad.

Additionally, policyholders under 50 years of age may select a plan that covers pre-existing conditions abroad. 

What Medical Benefits Does April International Cover?

Plans through April International cover medical assistance due to accidents and disease, including COVID-19. Policyholders can have doctor visits and medications covered. Your policy will also cover medical evacuations and/or repatriation.

April International coverage comes with the following benefits as well.

• No deductible

Many domestic insurance plans require you to pay a certain amount out of pocket in addition to premiums before the insurance begins paying. Skip that extra burden with your international health insurance plan!

• Easy to file claims

April International has an app so you can send your medical claims to the company in just a few taps or clicks.

• Medical referrals

April International has partner healthcare providers to help you find the care you need while abroad.

• Telehealth

April International is partnered with Best Doctors to give policyholders access to telehealth appointments.

• Second medical opinion

Not every medical issue is straightforward. April International’s plan allows you to seek a second medical opinion.

• Direct billing in the most visited countries

In certain countries, medical providers can bill April International directly for claims. 

Non-Medical Benefits Offered By April International Insurance

In addition to the spectacular medical benefits from April International, you can also receive non-medical benefits. These benefits may be overlooked by other international health insurance plans, so be sure to check the details of other companies.

• Legal assistance
• Return of mortal remains
• Return home in the event of death or hospitalization of a family member
• Assistance for theft or loss of personal belongings
• Accommodations for emergencies
• Personal liability

How to Apply for April International Travel Insurance

The application process for April International can be completed online. Gather details about the family members who need coverage and the dates you will need coverage to get a quote. The process can be started here.

1. Enter the basic details in the form.
2. Review the quotes.
3. Provide the requested additional information.
4. Final review and purchase can be completed online.

Alternatives for Coverage

If you’re looking for other insurance companies abroad, we have four other options that are the best available in international health insurance. 

VUMI

VUMI is another company in the world of travel insurance. They offer single-trip plans or annual plans that cover multiple trips. Find more details on why VUMI is one of the best.

IMG

IMG offers travel insurance with flexible coverage maximums and deductibles. In this article, we go into more detail about the offerings from IMG.

GeoBlue

Geoblue is travel health insurance available for United States residents. Their plans can be for a single trip or cover multiple trips. Geoblue has the largest direct billing network. We go into greater detail in this article.

MSH International

MSH International offers plans worldwide or plans worldwide excluding the United States. Like April International, their plans have no deductible. Find out more information about MSH International here.

Do I Need International Health Insurance?

You don’t want to think about any medical emergencies while traveling, but since they happen, make sure you have a travel insurance policy to protect your finances from expensive emergencies.

Your standard health insurance won’t cover much–if anything–when you travel abroad. In order to have coverage during your travels, you need to make sure you find travel insurance or long-term international insurance.

Whether you need long-term or short-term coverage will depend on how long you plan to be abroad. Single-trip coverage is available, and so are annual plans that cover multiple trips. For living and working abroad, you’ll want a long-term plan with international coverage.

International Health Insurance Can Be Combined With Travel Insurance

Many travel insurance policies also offer non-medical benefits for travelers. This coverage may include covered rental car damage, lost luggage, and canceled flights. Maximum benefits will be specific to the plan you choose.

Common Exclusions for Travel Insurance

Travel insurance will exclude any intentional harm or damage. For example, this means that accidents resulting from intoxication or drug use will not be covered. Make sure you know the exclusions for any policy. 

Travel insurance also doesn’t cover emergencies that occur before you purchase a policy, so buy your policy before the trip begins.

How Much International Health Insurance Costs

The cost of international medical insurance depends on what countries you need coverage for, the duration of the coverage, the deductible, and how comprehensive the coverage is. To get the best price and coverage, get quotes from multiple companies and review customer satisfaction.

Location Matters

Sometimes you may want to use specific policies for specific destinations or exclude a country for a portion of the trip for coverage. Review your travel itinerary and countries to see how you can maximize coverage and lower cost.

For example, including the United States in the plan will cost more than excluding it. So a worldwide international health insurance policy excluding the United States may be the route to go for your next trip to Europe.

Deductibles & Level of Care

Premiums will also vary for deductible or no deductible and what level of care is covered. If you have the cash to cover small trips to the doctor, then consider inpatient or medical evacuation coverage for big emergencies.

You can also save a little money on the premiums by increasing the deductible, or the amount you must pay out of pocket in an emergency. This is better for travelers with a very low risk for medical emergencies but who need that protection in a big event.

For travelers with chronic health conditions, you may need a policy that covers comfort care and non-life-threatening emergencies. Be sure to select a policy that covers pre-existing conditions. Even though these premiums are higher, you may benefit from better coverage.

TIP: Don’t save money by lowering the maximum medical benefit. This means that in a catastrophic emergency, you would be liable for any amount beyond your maximum benefit. 

Conclusion: Finding the Best Coverage

Since having health insurance coverage is important no matter where your travels take you, make sure you have one of the best insurance companies. At Pacific Prime, we have partnered with the best providers available. 

If you need assistance picking a plan with all the coverage you need, don’t hesitate to contact us at Pacific Prime.

You can also browse online to research plans and get free quotes for health insurance.

Frequently Asked Questions

Will my health insurance cover me abroad?

Most domestic insurance plans do not cover your medical costs in other countries or only cover limited things. Any public health insurance such as Medicaid and Medicare will not cover you. You will need to find a company that offers policies for travelers or expats. 

What areas accept Medicare worldwide?

Medicare will only cover you within the United States of America and its territories. These territories include American Samoa, Guam, Puerto Rico, the Northern Mariana Islands, and the Virgin Islands.

If I travel to a country with universal healthcare, will I be covered as a US resident?

Do not assume that a country with universal health insurance will cover travelers and expats. Many do not extend coverage to foreign residents or travelers. In these locations, you will be responsible for medical bills. 

Is COVID-19 illness covered by travel insurance?

Not all international travel insurance companies cover COVID-19 infection. Check your policy terms and conditions or ask your agent if COVID-19 is covered. April International’s travel insurance plans do provide COVID-19 coverage.

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Jantra Jacobs

Senior Copywriter at Pacific Prime

Jantra Jacobs is a Senior Copywriter at Pacific Prime with over 10 years of writing and editing experience. She writes and edits a diverse variety of online and offline copy, including sales and marketing materials ranging from articles and advertising copy to reports, guides, RFPs, and more.

Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content - no matter how complex the subject is.

Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.

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