{"id":12890,"date":"2024-02-02T19:59:58","date_gmt":"2024-02-02T11:59:58","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=12890"},"modified":"2026-01-26T14:15:45","modified_gmt":"2026-01-26T06:15:45","slug":"travel-insurance-protecting-your-journey","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/travel-insurance-protecting-your-journey.html","title":{"rendered":"International Travel Insurance: Protecting Your Journey"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">International travel insurance provides travelers with protection against common financial risks that can occur while traveling, such as trip cancellation fees or medical emergencies. With an international travel insurance policy, you can rest easy knowing you have coverage where you need it most.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you planning short-term travel and looking for the best way to stay protected during your journey? Perhaps you\u2019re unsure why an international travel insurance policy is even necessary.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we will explain why international travel insurance policies are a crucial part of a safe journey. We will also explain how travel insurance works as well as its benefits, and we will also point you to some of the top travel insurance providers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for a long-term international insurance solution, check out our page on <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> instead.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is International Travel Insurance?\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12893 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany.jpg\" alt=\"Schloss Charlottenburg, Berlin, Germany\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/schloss-charlottenburg-berlin-germany-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">International travel insurance is a type of insurance that was created to provide financial protection and assistance to individuals and families traveling abroad. These policies offer a range of benefits designed specifically to help mitigate the risks associated with international travel.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">International travel insurance differs from international health insurance, which is a longer-term <a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-for-living-abroad.html\">insurance option for expats<\/a> and travelers.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">International Travel Insurance Key Benefits<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Some of the key benefits of international travel insurance are <\/span><b>medical coverage, emergency evacuation, trip cancellation and interruption coverage, and assistance hotlines<\/b><span style=\"font-weight: 400;\">. With these key features, travelers can enjoy their vacations and trips without worrying about potential accidents.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4628\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-04_updated-1.jpg\" alt=\"Health insurance quote banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">International Travel Insurance Coverage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International travel insurance protects travelers against medical and travel risks. Emergency medical coverage and evacuation, trip cancellation, baggage delay, and loss coverage are just some of the things covered by an international travel insurance policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While policy details vary across plans, most plans fall into two different categories:\u00a0<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Travel Cancellation Insurance: <\/b><span style=\"font-weight: 400;\">This insurance will reimburse you if you cancel your trip for covered reasons (these differ depending on the policy). This insurance allows you to save your money on what could have been a potentially significant loss.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Travel Medical Insurance:<\/b><span style=\"font-weight: 400;\"> This insurance will cover your expenses for medical emergencies and illnesses during your time abroad. With this coverage, travelers will have access to a global network of providers and healthcare services.\u00a0<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">International Travel Insurance Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International travel insurance offers different benefits to protect travelers while they\u2019re abroad, from emergency medical coverage to baggage delay coverage. Benefits and coverage limits will vary across plans and providers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is a list of common international travel insurance benefits below:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency evacuation and repatriation\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation and interruption<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage and personal belongings coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel delay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Legal assistance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hotline assistance services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adventure sports coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accidental death and dismemberment (AD&amp;D)<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">How Does International Travel Insurance Work?\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12894 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building.jpg\" alt=\"Statue In Front Of Rome Building\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/statue-in-front-of-rome-building-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Travel insurance works like most insurance policies by covering you for a period of time against financial risks. You can apply for and purchase a policy online, and once your coverage choice is confirmed, you will receive your plan documents with information on how to use your policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve purchased your policy, you can leave for your journey knowing you are fully protected against any serious losses or accidents. In the event that you need to use your policy, you will file your claim with your insurance, and they will begin the process of reimbursing you.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-79' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner International - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Recommended International Health Insurance Plans\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-bupa.png\"\n            alt=\"Bupa\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Lifetime Renewal Possibilities<\/li>\n          <li>24\/7 Medical Help via Global Virtual Care<\/li>\n          <li>Direct Billing Options<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton asiarecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Top International Travel Insurance Providers<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Some of the best international travel insurance providers on the market today are Blue Cross Blue Shield Global Solutions, Allianz, IMG Global, and VUMI. As Pacific Prime is partnered with these insurers, we have<\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\"> free quotes available<\/span><\/a><span style=\"font-weight: 400;\"> on their plans.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/blue-cross-blue-shield-global-solutions\/\"><span style=\"font-weight: 400;\">Blue Cross Blue Shield Global Solutions<\/span><\/a><span style=\"font-weight: 400;\">\u00a0has single-trip and multi-trip travel insurance policies available through their Voyager and Trekker plans. With multi-lingual support and medical translation tools, Blue Cross Blue Shield Global Solutions is committed to supporting its members while they\u2019re abroad.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In order to secure a Blue Cross Blue Shield Global Solutions travel insurance policy, applicants <\/span><b>must be US citizens or legal residents of the United States<\/b><span style=\"font-weight: 400;\">. Additionally, Blue Cross Blue Shield Global Solutions travel insurance plans require their applicants to have a domestic health insurance policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are a list of some of the benefits offered with all of Blue Cross Blue Shield Global Solutions\u2019 travel plans:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24\/7\/365 Global Service Center<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24\/7\/365 same-day virtual doctor appointments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-lingual support and medical translation tools<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation and repatriation coordination<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">News and safety information for your location<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Allianz<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/\"><span style=\"font-weight: 400;\">Allianz<\/span><\/a><span style=\"font-weight: 400;\"> offers single-trip and annual\/multi-trip travel insurance policies in a variety of different coverage categories. Benefits and coverage limits vary across policies, with some plans even covering their policyholder\u2019s pre-existing conditions.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Another key benefit of Allianz Travel insurance is their 24-hour Hotline Assistance and concierge services. Members can access help and support through the hotline with their medical emergencies, trip delays, and more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s most popular travel insurance plan, <\/span><a href=\"https:\/\/www.pacificprime.com\/insurers-and-partners\/allianz\/#:~:text=OneTrip%20Cancellation%20Plus.-,OneTrip%20Prime,17%20and%20under%20when%20they%20travel%20with%20a%20parent%20or%20grandparent.,-OneTrip%20Basic\"><span style=\"font-weight: 400;\">OneTrip Prime<\/span><\/a><span style=\"font-weight: 400;\">, has the following benefits:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation up to $100,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip interruption up to $150,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip change protector up to $500<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical up to $50,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency medical transportation up to $500,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lost\/damaged baggage $1000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage delay $300<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Travel delay $800 (daily limit $200)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">24-Hour hotline assistance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">OneTrip Prime even includes free coverage for children 17 and under when they travel with a parent or grandparent.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">IMG Global<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers\/img\/\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/a><span style=\"font-weight: 400;\"> offers travel medical insurance through their Patriot plans and standard travel insurance through their TravelInsured plans. Members can choose their desired level of coverage through the different categories under these policies.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In addition to these travel insurance policies, IMG Global also offers a policy specifically for seniors called their GlobeHopper plan. They also have a Patriot Exchange Program plan that covers individuals participating in cultural exchange programs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some of the benefits included in IMG\u2019s travel insurance policies are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trip cancellation and interruption coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Baggage and personal effects coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical evacuation and repatriation of remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental car damage and theft coverage<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4632\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/SEO-Baner-Family.jpg\" alt=\"Family health insurance banner\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Vumi<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/insurers\/vumi-health-insurance\/\"><span style=\"font-weight: 400;\">VUMI <\/span><\/a><span style=\"font-weight: 400;\">(VIP Universal Medical Insurance) Group has travel insurance policies available for single trips or all the trips you\u2019ll take within the period of a year. VUMI\u2019s single-trip policies can be extended multiple times for up to 365 days of consecutive coverage.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some other attractive benefits of VUMI policies are a USD $5,000,000 maximum lifetime benefit up to age 70 and 100% covered hospitalization fees. In addition to their medical coverage, VUMI offers the following benefits with all their policies:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency assistance 24\/7<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Traveler\u2019s choice of doctors and hospitals worldwide<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive travel medical coverage for minor injuries to repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compassionate emergency visit to an insured person<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency dental<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Cost of International Travel Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12895 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view.jpg\" alt=\"London's Tower Bridge Aerial View\" width=\"800\" height=\"600\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view-300x225.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view-600x450.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view-768x576.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/londons-tower-bridge-aerial-view-150x113.jpg 150w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The cost of an international travel insurance plan will depend on various factors like the level of coverage chosen, the age of the travelers, and the cost of the trip. Insuring an expensive vacation with luxury hotels or resorts will cost more than a less-expensive trip.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your age affects policy price because generally, the older you are, the more you are at risk of health issues. This means it will cost more to insure you. For more information on age and other international travel insurance cost factors, reach out to our insurance experts.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Who Does International Travel Insurance Cover?\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International travel insurance plans are designed to cover travelers of every kind, from individuals and families to groups and more. Some policies are even tailored for specific types of travelers, further creating a tailored and customized option for globetrotters.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Individuals and Family International Travel Insurance\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re traveling alone or with your entire family, there is an international travel insurance policy for you. You can ensure you and your loved ones have the financial protection and assistance needed while traveling or vacationing abroad.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some plans may even have coverage for your entire family or all your children under a specific age for free. If you\u2019re traveling with your dependents, it\u2019s worth looking into who exactly is covered and making sure they are named specifically on your plan agreement.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Student International Travel Insurance\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Students are recommended to have an international travel insurance policy if doing a semester abroad because of the protection it offers them. Students will benefit from the medical coverage and assistance hotlines available with international travel insurance.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Students abroad can face problems that can put them at medical or financial risk. Some of these problems could be illnesses from street foods and unfamiliar traffic laws, which may result in an injury or damage to a rented bike or scooter. With the right policy, students can be protected against these risks.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Group International Travel Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Members of larger organized groups, non-profit organizations, and businesses can benefit from the protection of international travel insurance policies. <\/span><a href=\"https:\/\/www.pacificprime.com\/corporate\/\"><span style=\"font-weight: 400;\">Group insurance policies<\/span><\/a><span style=\"font-weight: 400;\"> are a great option for those who qualify due to their lowered group rates.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Senior International Travel Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Travelers 65 years and older can apply for senior international travel insurance policies, which provide them with tailored benefits that will work for their lifestyles. These plans include higher medical coverage, making sure that senior travelers aren\u2019t left stranded without the help they need.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Factors to Consider when Selecting a Policy<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12896 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor.jpg\" alt=\"Copenhagen's Vibrant Nyhavn Harbor\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/copenhagens-vibrant-nyhavn-harbor-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Some factors to consider when choosing your international travel insurance policy are potential exclusions and your desired coverage level. Considering these factors before you choose a policy is a process that is well worth the effort.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Potential Exclusions<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Keep in mind the things that could potentially exclude you from an international travel insurance policy, such as high-risk activities like skydiving, mountain trekking, scuba diving, or riding a motorcycle. Other potential exclusions could be coverage for terrorist attacks or natural disasters.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re planning on taking part in high-risk activities or adventure sports, make sure that your chosen policy has the additional coverage necessary for those activities. Otherwise, you will be financially liable for any injuries that happen during those activities.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Coverage and Benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Understanding what you need to be covered while abroad, whether it is medical emergencies or just trip cancellations, will help you narrow down your list of policy options. If you\u2019re going to travel to a place with high risks of illnesses or accidents, you\u2019ll want a more comprehensive policy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019ve already spent a great deal of money on booking the flights and lodging for your vacation, you will want to ensure you are covered in case you have to cancel. With trip cancellation insurance, you can ensure that you are reimbursed for your losses.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, if you are going to be traveling with important personal items, you will likely want to have coverage for lost or stolen baggage. International travel insurance policies can offer coverage for lost, stolen, damaged, and delayed baggage.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Travel Insurance and Pre-Existing Conditions<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-12897 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic.jpg\" alt=\"Prague Street Scene, Czech Republic\" width=\"800\" height=\"533\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic.jpg 800w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic-300x200.jpg 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic-600x400.jpg 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic-768x512.jpg 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic-150x100.jpg 150w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/prague-street-scene-czech-republic-272x182.jpg 272w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your provider and plan, pre-existing conditions may be covered by your policy. This coverage of the pre-existing condition is often available as an optional rider that can be added to the plan, which will be an extra fee.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">VUMI, IMG, and Blue Cross Blue Shield Global Solutions all offer international travel insurance plans with pre-existing condition coverage. For more information on these plans, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact one of our insurance experts<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Will my US health insurance policy cover me abroad?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Generally, most domestic US health insurance policies do not cover medical care abroad. International health insurance policies are the only policies that will cover you globally, whereas domestic health insurance policies will only cover you within a certain singular country or region.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is international travel insurance worth it?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International travel insurance is well worth the investment as it protects you from some significantly high financial losses. If you are faced with a medical emergency while traveling abroad and don\u2019t have travel insurance, you will have to pay 100% of the medical fees.\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What is covered by an international travel insurance policy?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Benefits vary by policy, but generally, an international travel insurance policy covers travel benefits like trip cancellation and medical emergency fees. Some other benefits are baggage loss and delay coverage and medical evacuation and repatriation benefits.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How many days before my trip should I buy international travel insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">How many days before your departure you need to buy your plan will depend on your specific policy. Some plans will need to be purchased two weeks before you leave for your travel insurance to be valid, while some plans will need less time.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need travel insurance if my credit card has travel benefits?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">International travel insurance policies have more comprehensive benefits and higher coverage limits than most travel coverage offered through credit cards. If you are looking for more protection while you are abroad, an international travel insurance plan will be your best choice.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">International travel insurance can provide you with the peace of mind and financial protection you need while you journey abroad. With comprehensive coverage and concierge service options, an international travel insurance policy is a worthwhile investment for travelers.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/short-term\/travel-quote\/\"><span style=\"font-weight: 400;\">click here for a free quote<\/span><\/a><span style=\"font-weight: 400;\"> from the top travel insurance companies, or you can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact one of our insurance brokers directly<\/span><\/a><span style=\"font-weight: 400;\">. We can give you free and unbiased advice on a multitude of policies. We are committed to helping clients find the right fit for their budget and lifestyle.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With over 20 years of experience in providing insurance solutions to expats and travelers across the globe, Pacific Prime is an expert in all things insurance. <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Reach out to us today<\/span><\/a><span style=\"font-weight: 400;\"> to begin planning your next adventure abroad!\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>International travel insurance provides travelers with protection against common financial risks that can occur while traveling, such as trip cancellation fees or medical emergencies. With an international travel insurance policy, you can rest easy knowing you have coverage where you need it most.\u00a0 Are you planning short-term travel and looking for the best way to &#8230;<\/p>\n","protected":false},"author":54,"featured_media":12892,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[217,208],"tags":[],"class_list":["post-12890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>International Travel Insurance: Protecting Your Journey<\/title>\n<meta name=\"description\" content=\"International travel 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