Before you travel, understand what you are buying.
Travel and International
Medical coverage for trips, visits, studies and exchanges.
Coverage needs can change when you travel or stay temporarily outside your country of residence. We review destination, length of stay, purpose of the trip and applicable requirements before presenting the available options.
- Travel Medical
- Visitors
- Students and J-1 / J-2
Four needs, four kinds of coverage
Every trip has a different purpose.
Travel Medical, Visitors, Students and J-1 / J-2: we explain what to review in each case before presenting options.
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Not every plan includes the same benefits. Limits, deductibles, exclusions, pre-existing conditions, networks and territories vary by product.
Travel Medical
Travelling also means preparing for the unexpected.
Medical coverage for certain trips outside your country of residence. Depending on the product, a plan may include benefits related to:
- Eligible medical expenses due to illness or accident
- Eligible hospitalization and medical emergencies
- Emergency medical evacuation, when included
- Repatriation of remains, when included
- Other benefits set out in the policy
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Your usual coverage may not apply outside your country.
Visitors
Coverage during a temporary stay.
For people visiting the United States or other eligible destinations whose usual coverage may not apply, or may be limited, during the trip. Before presenting options we review:
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Origin and destination
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Age and length of stay
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Needs and budget
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Benefits, limits and exclusions
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Each institution's requirements are verified in writing.
Students
Studying abroad also means reviewing your medical coverage.
We can explore plans for international students when they are available.
- Medical coverage for illness and accident under the product's terms
- Eligible hospitalization
- Medical evacuation or repatriation when the plan includes them
- A review of the institution's or program's requirements before stating that an option meets them
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Not every plan qualifies automatically: compliance is verified case by case.
J-1 / J-2
Exchange programs with specific requirements.
For J-1 participants and applicable J-2 dependents, coverage must be reviewed against the program's and the sponsor's current requirements. We can explore plans designed for this type of participant when they are available.
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The program's current requirements
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Sponsor confirmation
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The specific plan reviewed
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Before choosing coverage
Six things worth reviewing.
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Destination
Where the coverage will apply.
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Length
How long the person needs to be covered.
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Benefits and limits
Which eligible expenses the product covers, and up to what amount.
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Deductible
The amount the insured pays before or while using certain benefits, depending on the product.
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Exclusions
Which situations are not covered or are subject to specific conditions.
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Program requirements
University, visa, sponsor or program conditions, where they apply.
Your next trip
Before you travel, understand what you are buying.
Tell us where you are going, for how long and why, and we will review the available options.
The information presented is general and educational. Availability, eligibility, benefits, limits, exclusions, deductibles and coverage territories depend on the product and the insurer. Where there is a visa, institution, sponsor or program requirement, it must be verified that the specific plan meets the applicable current requirements. Buying a policy does not guarantee immigration, academic or sponsor approval.