Travel Insurance
This is a great thing! You can be insured, not only for your health, but for theft, airfares, and many many other things. Most companies include it all in one 12- month plan. I am not affiliated in any way to any of these companies, and as prices may change, I can only stand behind the accuracy of this information for the day I looked it up - January 9, 2004. I would highly recommend insurance in case something serious happens. Know that minor things like hospital visits when you are sick are not what you get this for. Since medical care is SO incredibly cheap in so much of the world, the deductible these insurance companies wouldn't make it worth declaring. These policies are suited for that extreme circumstance that would cost hundreds, if not thousands of US dollars, such as medical evacuation, trip cancellation, baggage theft/loss, and life-critical illness or injury. Plenty of people travel without insurance, because typical travel illnesses range from altitude sickness to malaria, and the local clinic fees for those (as serious as they may be) are negligible. I got the cheapest one (Hostel World) and haven't used them yet, despite being hospitalized for AMS, and fracturing my knee - the visit fees were only a few dollars, while my insurance deductible is US$50 - a few months wages for locals of these countries!
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Some sound advice from none other than the Lonely
Planet: You may prefer a policy which pays doctors or hospitals direct rather than you having to pay on the spot and claim later. If you have to claim later make sure you keep all documentation. Some policies ask you to call back (reverse charges) to a centre in your home country where an immediate assessment of your problem is made. Check if the policy covers ambulances or an emergency flight home."
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These are the ones I've found:
| Company Name and Info | Rate | Coverage |
Timeframe |
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| Hostel World |
$395/year Flat Rate |
1. Loss of Deposit or Cancellation 2. Personal Accident 3. Medical & Other Expenses 4. Personal Luggage, Money & Valuables 5. Travel Delay & Holiday Abandonment 6. Hijack 7. Personal Liability 8. Winter Sports & Winter Sports Equipment 9. Ski Hire 10. Ski Pack 11. Piste Closure 12. Delay due to Avalanche 13. Hazardous Sports |
Up to 1 yr |
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| Specialty Risk International |
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1. Emergency Medical Evacuation $100,000 2. Repatriation of Mortal Remains $20,000 3. Emergency Reunion $10,000 4. Return of Minor Child $5,000 5. AD&D $100,000 6. Political Evacuation & Repatriation $10,000 7. Trip Interruption $5,000 8. Lost Baggage $250 9. International Assistance Services Included |
Up to 3 yrs | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| STA Travel Insurance | 1. TRAVEL ARRANGEMENT PROTECTION Trip Cancellation Total Trip Cost Trip Interruption Total Trip Cost Trip Delay $300 2. MEDICAL PROTECTION Emergency Evacuation, Repatriation of Remains, and Medical Expense $100,000 3. BAGGAGE PROTECTION Baggage/Personal Effects $1,500 Baggage Delay $500 4. TRAVEL ACCIDENT PROTECTION Accidental Death & Dismemberment Air Common Carrier $50,000 Any Other Circumstance $10,000 5. WORLDWIDE EMERGENCY ASSISTANCE (AIG Assist) Emergency Cash Transfer Assistance 24 Hours Medical Assistance 24 Hours Traveler's Assistance 24 Hours |
Up to 13 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| International
Medical Group - Global Medical Insurance |
Deductible Single Annual Payment Two Semi-Annual Payments (Annual x 0.55) Four Quarterly Payments (Annual x 0.28) $250 $1,140.00 $627.00 $319.20 $500 $981.00 $539.55 $274.68 $1,000 $763.00 $419.65 $213.64 $2,500 $673.00 $370.15 $188.44 $5,000 $551.00 $303.05 $154.28 $10,000 $435.00 $239.25 $121.80 |
US$5,000,000 lifetime
1. Hospitalization: 2. Intensive Care Unit 3. Surgery 4. Transplants US$1,000,000 lifetime 2. Emergency treatment of illness or injury • Surgery • Rehabilitative treatment • Treatment, services or supplies routinely provided • Prescription medication 3. Emergency Surgery or dental treatment following an accident • Emergency room following an accident 4. Emergency Transportation by 5. Emergency Medical Evacuation 6. Supplemental Accident
US$50,000 lifetime 3. Child Wellness |
Long term annually renewable, US-style major medical insurance plan designed to provide worldwide coverage to non-US citizens and US expatriates. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| International Medical Group - Patriot International |
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Emergency Evacuation
To Policy Maximum when coordinated through the Plan
Administrator Each Patriot Travel Medical Insurance® plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the country of residence or the country where the evacuation occurred, up to the policy limit. Emergency Reunion To US$15,000 when coordinated through the Plan Administrator Each PatriotSM plan also provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the country of residence to be reunited with the insured. Repatriation To US$25,000 when coordinated through the Plan Administrator If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the country of residence will be covered up to a maximum of US$25,000. Returning Minor Children To US$5,000 when coordinated through the Plan Administrator If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). SPECIAL COVERAGES Home Country Coverage As described below Incidental Home Country Coverage- During the Period of Coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their country of residence, b. The Total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling. End of Trip Home Country Coverage- For every six months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of 2 months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form and calculate your premium to include the additional month(s). Trip Interruption To US$5,000 If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket. Lost Luggage To US$50 per item or personal property; maximum of US$250 per Period of Coverage This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's. Common Carrier Accidental Death US$50,000 to Beneficiary; maximum of US$250,000 per family If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the designated beneficiary to a maximum of US$250,000 per family MEDICAL BENEFITS Usual reasonable and customary charges, subject to deductible and coinsurance Hospital Room and Board To Policy Maximum for average semi-private room rate Intensive Care To Policy Maximum Medical Expenses To Policy Maximum Outpatient Medical To Policy Maximum Local Ambulance To Policy Maximum Dental To Policy Maximum Each Patriot plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident. Sports & Activities Coverage To Policy Maximum for basic sports Coverage as described below Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting. Optional Sports Rider: This rider adds coverage for amateur non-motorized racing, jet skiing, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wakeboarding, water skiing and windsurfing. For more sports coverage, please review IMG's Patriot ExtremeSM plan. Accidental Death & Dismemberment US$25,000 principal sum Each Patriot plan includes US$25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage: • Accidental Loss of life- principal sum; • Accidental Loss of two Members- principal sum; •Accidental Loss of one Member-50% of principal sum. "Member" means hand, foot or eye. For more information see the Conditions of Coverage section in the Patriot Travel Medical Insurance brochure. PLAN INFORMATION Deductible Your choice of US$100, $250, $500, $1,000 or $2,500 On the Application Form, you will be asked to choose a deductible. Your premium rate is dependent on the deductible you choose. Coinsurance As described below For treatment received outside the US & Canada: No coinsurance For treatment received within the US & Canada: The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum. Benefit Period Six months If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness. Additional Benefits for U.S. Citizens Sudden Recurrence of a Pre-existing Condition Up to US$15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 in the Patriot Travel Medical brochure. Dental Emergency Patriot International will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. Indemnity Patriot International will pay directly to the insured person US$100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit. The above outline is only a consolidated and summary description of all current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. |
Up to 1 yr | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| International
Medical Group - ExPatriot Plus |
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INTERNATIONAL EMERGENCY CARE Emergency Evacuation To Policy Maximum when coordinated through the Plan Administrator Each Patriot Travel Medical Insurance® plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility; expenses for reasonable travel and accommodations resulting from the evacuation; and the cost of returning to either the country of residence or the country where the evacuation occurred, up to the policy limit. Emergency Reunion To US$15,000 when coordinated through the Plan Administrator Each PatriotSM plan also provides emergency reunion coverage, up to US$15,000 for a maximum of 15 days, for the reasonable travel and lodging expenses of a relative or friend during an Emergency Medical Evacuation: either the cost of accompanying the insured during the evacuation or traveling from the country of residence to be reunited with the insured. Repatriation To US$25,000 when coordinated through the Plan Administrator If a covered illness/injury results in death, expenses for Repatriation of bodily remains or ashes to the country of residence will be covered up to a maximum of US$25,000. Returning Minor Children To US$5,000 when coordinated through the Plan Administrator If an insured person is hospitalized due to a covered illness/injury and is traveling alone with child(ren) 19 or under that otherwise would be left unattended, the Patriot plans will pay up to US$5,000 for one way economy fare to their home country, including a chaperone, if necessary, for the safety of the child(ren). SPECIAL COVERAGES Home Country Coverage As described below Incidental Home Country Coverage- During the Period of Coverage an insured person may return to their country of residence for incidental visits up to a cumulative two weeks total, subject to: a. The insured person must have left their country of residence, b. The Total Period of Coverage must be for a minimum of 30 days, and c. The return to the country of residence may not be taken to receive treatment for an illness or injury incurred while traveling. End of Trip Home Country Coverage- For every six months of continuous coverage you purchase, you can purchase one additional month of home country coverage as an accommodation and supplemental travel benefit, up to a maximum of 2 months. To purchase this special home country extension coverage, please check the appropriate box on the Application Form and calculate your premium to include the additional month(s). Trip Interruption To US$5,000 If, during a covered trip, there is a death of an immediate family member (spouse, child, parent or sibling) or the substantial destruction of the insured's principal residence, each Patriot plan will pay to return the insured to the area of principal residence. The plan will pay for a one way air or ground transportation ticket of the same class as the unused travel ticket, less the value of the unused return ticket. Lost Luggage To US$50 per item or personal property; maximum of US$250 per Period of Coverage This benefit will be paid in the event that the Common Carrier permanently loses an insured person's checked luggage. This coverage is secondary to any other available coverage, including the Carrier's. Common Carrier Accidental Death US$50,000 to Beneficiary; maximum of US$250,000 per family If accidental death should occur while traveling on a commercial Common Carrier, US$50,000 will be paid to the designated beneficiary to a maximum of US$250,000 per family MEDICAL BENEFITS Usual reasonable and customary charges, subject to deductible and coinsurance Hospital Room and Board To Policy Maximum for average semi-private room rate Intensive Care To Policy Maximum Medical Expenses To Policy Maximum Outpatient Medical To Policy Maximum Local Ambulance To Policy Maximum Dental To Policy Maximum Each Patriot plan covers the cost of emergency dental treatment and dental procedures necessary to restore sound natural teeth lost or damaged in an accident. Sports & Activities Coverage To Policy Maximum for basic sports Coverage as described below Each Patriot plan covers injuries incurred during amateur athletic activities which are non-contact and engaged in by an insured person solely for leisure, recreation, entertainment or fitness purposes. However, activities not covered include amateur or professional sports or other athletic activity which is organized and/or sanctioned, or which involves regular or scheduled practices, games or competition. The following hazardous activities are excluded: racing of any kind, aviation (except when traveling as a passenger in a commercial aircraft), BMX, BASE jumping, bobsleigh, bungee jumping, canyoning, caving, high diving, hang gliding, heli-skiing, hot air ballooning, inline skating, jet skiing, kayaking, luge, motocross (moto-x), mountain biking, mountaineering, parachuting, rappelling, rock climbing, rodeo, scuba diving, ski jumping, sky diving, snow skiing, snowboarding, snowmobiling, spelunking, snorkeling, surfing, wakeboarding, water skiing, windsurfing and whitewater rafting. Optional Sports Rider: This rider adds coverage for amateur non-motorized racing, jet skiing, snow skiing, snowboarding, snowmobiling, snorkeling, surfing, wakeboarding, water skiing and windsurfing. For more sports coverage, please review IMG's Patriot ExtremeSM plan. Accidental Death & Dismemberment US$25,000 principal sum Each Patriot plan includes US$25,000 principal sum benefit for Accidental Death and Dismemberment occurring during the Period of Coverage: • Accidental Loss of life- principal sum; • Accidental Loss of two Members- principal sum; •Accidental Loss of one Member-50% of principal sum. "Member" means hand, foot or eye. For more information see the Conditions of Coverage section in the Patriot Travel Medical Insurance brochure. PLAN INFORMATION Deductible Your choice of US$100, $250, $500, $1,000 or $2,500 On the Application Form, you will be asked to choose a deductible. Your premium rate is dependent on the deductible you choose. Coinsurance As described below For treatment received outside the US & Canada: No coinsurance For treatment received within the US & Canada: The plan pays 80% of eligible expenses up to US$5,000 then 100% up to the Policy Maximum. Benefit Period Six months If a covered injury or illness requires continuing treatment after the Period of Coverage expires, the six-month Benefit Period may provide continued coverage. When the certificate expires, the Company will review the date of initial treatment for the covered injury or illness. If treatment began less than six months before the Period of Coverage expired, benefits for the covered injury or illness will continue subject to the Policy Limits and the other terms of the plan until there have been six months of continuous coverage for the covered injury or illness. Additional Benefits for U.S. Citizens Sudden Recurrence of a Pre-existing Condition Up to US$15,000 will be paid for the eligible expenses of a sudden and unexpected recurrence of a Pre-existing Condition while traveling outside of the US. In addition, up to US$25,000 will be paid for the eligible costs and expenses of an Emergency Medical Evacuation arising or resulting from a sudden and unexpected recurrence of a Pre-existing Condition. For the definition of a Pre-existing Condition, please see Exclusion number 1 in the Patriot Travel Medical brochure. Dental Emergency Patriot International will pay up to $100 for the necessary treatment of sudden, unexpected pain to sound natural teeth. Indemnity Patriot International will pay directly to the insured person US$100 for each night of a required overnight stay in a hospital. However, the hospital stay must be covered under this plan in order to receive this benefit. The above outline is only a consolidated and summary description of all current Patriot Travel Medical Insurance benefits, conditions, limitations and exclusions. A certificate containing the complete Policy Wording with all terms, conditions and exclusions will be included with the fulfillment kit. |
Up to 2 years | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel Guard USA - Bag Trak (luggage insurance only) | $34/yr for standard $64/yr for premium |
Annual Coverage for lost, delayed, or
damaged Baggage! Bag Trak® is affordable luggage coverage for an entire year's worth of travel. We offer two Bag Trak plans and both provide a full year of coverage, personalized luggage tags and the industry's top baggage tracing service. Choose from two annual Bag Trak plans: Premium Bag Trak® Plan $1,000 for the purchase of essential items if your baggage is delayed $1,000 for lost baggage and contents $500 for baggage delivery - we'll deliver your luggage to you no matter where you are on your trip $300 for damaged or destroyed baggage $250 to replace lost or stolen passport $250 for emergency prescription replacement $200 to cover unauthorized use of stolen credit cards Personalized luggage tag for each insured One year of lost baggage tracing Standard Bag Trak® Plan $500 for lost baggage and contents $300 for the purchase of essential items if your luggage is delayed $200 for baggage delivery - we'll deliver your luggage to you no matter where you are on your trip $150 for damaged or destroyed baggage Personalized luggage tag for each insured One year of lost baggage tracing |
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| Travel Guard |
Example |
Deductibles:
$100, $250, $500, $1,000 or $2,500 per Certificate Period. Coinsurance - Claims incurred in US or Canada: For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance - Claims incurred outside US or Canada: For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the Overall Maximum Limit. Hospital Room and Board: Average Semi-private room rate, including nursing services. Intensive Care Unit: Usual, Reasonable and Customary charges Outpatient Treatment: Usual, Reasonable and Customary charges All Other Eligible Expenses: Usual, Reasonable and Customary charges. Acute Onset of Pre-existing Condition: Atlas Extra - $2,500 limit; Atlas International - $1,000 Limit; Atlas America - No Coverage Emergency Dental - Acute onset of pain: $100 limit per Certificate Period Local Ambulance: Usual, Reasonable and Customary charges. Emergency Evacuation: Overall Maximum Limit Repatriation of Remains: Overall Maximum Limit Emergency Reunion: $10,000 limit per Certificate Period Trip Interruption: $5,000 limit per Certificate Period Lost Checked Luggage: $250 limit per Certificate Period (not subject to Deductible or Coinsurance) Accidental Death and Dismemberment: Death - $25,000 Loss of 2 Limbs - $25,000 Loss of 1 Limb - $12,500 .Benefits reduce 50% at age 70 and an additional 50% at age 75. Common Carrier Accidental Death: $50,000 Hospital Pre-Certification Penalty: 50% of Eligible Medical Expenses. Optional Hazardous Sports Rider: Overall Maximum Limit Overall Maximum Limit per Certificate Period (includes all benefits except Accidental Death and Dismemberment and Common Carrier Accidental Death): Age 14 days to 69 - $50,000, $100,000, $250,000, $500,000 or $1,000,000. Age 70 to 79 - $50,000 Age 80 or older - $10,000. Return of Minor Children $5,000 limit Physical Therapy $50 per visit |
Up to 1 yr | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Travel
guard - Property protection |
Limit of Property Coverage $10,000 - $69.00/half yr $25,000 - $172.00/half yr $50,000 - $344.00/half yr |
Damage during transportation Theft Burglary and robbery Vandalism Natural disasters including fire, tornadoes and hurricanes |
up to 6 months |