A top-scoring travel insurance policy will reimburse you for prepaid, nonrefundable expenses if your trip is disrupted. It may also cover medical costs and emergency evacuation (which often comes with a higher price tag).
Annual multi-trip policies are available, providing coverage for multiple trips over the course of a year. Meanwhile, single trip policies offer flexibility for those taking a one-off adventure.
GeoBlue
GeoBlue is a licensee of the Blue Cross and Blue Shield Association which offers comprehensive travel medical insurance plans. These include single trip and annual multi-trip policies that provide coverage for travelers to the USA and abroad. GeoBlue also provides Covid travel insurance plans and offers a wide range of other services including telemedicine, translation services, physician referrals, and destination assistance.
Obtaining a quote from the company is quick and easy. All that is required is the name of the traveler, the dates of the trip, and the age. The quotes can be modified easily to adjust medical limits and deductibles as necessary.
The company also offers specialty plans for groups such as educators, missionaries, and maritime crews. These plans are a great alternative for those with primary health care policies that do not provide coverage while traveling or who want to use a secondary policy. However, the company does not cover voluntary trip cancellations or pre-existing condition exclusions.
Trawick International
Trawick International offers a portfolio of customizable travel insurance plans that cover a wide range of situations. Its premium-tier plans provide higher protection limits and specialized coverage such as rental car damage coverage. All of its plans include trip cancellation and interruption coverage. Most of them also include medical evacuation and repatriation coverage. Some also include the option to add pre-existing condition coverage.
Its plans are available to US citizens and non-US citizens traveling outside of the U.S., and many of them meet Schengen visa requirements. Its comprehensive coverage plans offer higher maximum payouts in several categories and shorter waiting periods than its competitors.
In addition to trip cancellation and interruption coverage, Trawick International offers a 24-hour emergency assistance hotline that helps travelers with issues such as language barriers and finding a doctor or hospital. They can be reached by phone, email or through an online form. Their claims process is fairly easy, and they provide a list of required documents in advance.
IMG Global
IMG Global is one of the world’s largest providers of international travel medical and comprehensive trip insurance. Their parent company, SiriusPoint America Insurance Company, is rated A+ (Excellent) by the prominent insurance financial rating agency, A.M. Best. They have been in business for over 25 years, and their website allows customers to instantly build a policy, compare plans and prices, and purchase the coverage they need online.
Their comprehensive policies include emergency medical, trip cancellation, and stop loss programs. They also offer additional coverage for adventure sports and rental car damage. They also have a Cancel for Any Reason insurance add-on available for some of their medical plans.
Their customer service is available 24/7 and is multilingual. Their reviews on the Better Business Bureau are mixed, but most complaints relate to billing issues. Their policies include a free look period, allowing customers to cancel the policy within ten to 21 days for any reason.
Global Underwriters
The USA is one of the most visited countries by travellers, but it can also be a place of great risk. Travel insurance for the USA can provide protection against costly medical treatment and other trip disruptions. It can also cover lost baggage, and even protect against canceled trips due to emergencies or natural disasters.
Global Underwriters is an international insurer that specializes in travel, medical, and specialty insurance products for individuals and groups. They offer world-class service and exceptional International Accident & Sickness and Travel Medical and Special Risk insurance coverage. Their comprehensive plans include varying policy maximums, age-rated options, and optional hazardous activities coverage. They also offer COVID-19 testing coverage and can cancel for any reason (CFAR) benefits. Their policies are also backed by 24-hour travel assistance. They also offer terrorism and Defense Base Act coverage for businesses and organizations with overseas exposure. They also offer comprehensive benefit packages for international assignees and globally mobile employees.
