Wherever You Go, Make Sure You’re Protected

Planning an international trip or a big move abroad comes with a lot to think about—flights, visas, packing, accommodations… but have you thought about your health coverage?

Many travelers don’t realize that most standard health insurance plans don’t cover medical care abroad—or they come with unexpected exclusions, high deductibles, or out-of-pocket costs. The last thing you want is to face a medical emergency in a foreign country without proper coverage.

That’s where International Health & Travel Medical Insurance comes in. Whether you’re taking a short vacation, studying abroad, working remotely, or living overseas long-term, there’s a plan designed to keep you covered—no matter where life takes you.

Which One Best Describes You?

A traveler heading on a short trip? → You’ll want Travel Medical Insurance to cover emergencies.

Moving or working abroad? → You need International Health Insurance for ongoing healthcare.

Choose the Right Coverage for Your Global Lifestyle

Travel Medical Insurance: Coverage for Short-Term Trips

Travel Medical Insurance protects you in the event of an illness, injury, or emergency while traveling outside your home country. Many standard health plans don’t cover medical care abroad, and paying out-of-pocket for hospital visits or evacuations can be unexpectedly expensive. This short-term coverage ensures you have access to medical care when you need it, wherever you go.

Who Should Consider Travel Medical Insurance?

  • International Vacationers  – Enjoy peace of mind knowing you’re covered for medical emergencies.
  • Business Travelers  – Stay protected on work trips abroad in case of unexpected health issues.
  • Students Studying Abroad  – Ensure access to medical care while attending school in another country.
  • Visitors from Overseas  – If family is visiting from abroad, they may need temporary medical coverage.

Traveling soon? Get a free quote for Travel Medical Insurance today.

Got Questions? Give Us a Call!

International Health Insurance: Long-Term Coverage for Life Abroad

When living or working abroad for an extended period—whether it’s a year or longer—having reliable healthcare is essential. International Health Insurance provides ongoing medical coverage beyond just emergencies, ensuring you have access to routine care, specialist visits, prescriptions, and hospital stays no matter where you are. If you’re embracing life as a global citizen, moving for work, or spending extended time in another country, this type of coverage helps you navigate healthcare with confidence.

Who Should Consider International Health Insurance?

  • Expats & Their Families  – Comprehensive medical coverage for those settling into a new country.
  • Digital Nomads – A flexible health plan that moves with you as you travel.
  • Dual Residents  – Seamless healthcare options for those living between multiple countries.
  • Multinational Employers  – Provide international health benefits for employees working overseas.

Planning to live or work abroad? Get a free quote for International Health Insurance today.

Do I Need Health Insurance for Traveling Abroad?

Many people assume their domestic health insurance will cover them internationally, but that’s not always the case. If you experience an illness or injury while abroad, you could be left with unexpected medical bills, denied claims, or limited access to care.

Before you travel, consider:

  • Country-Specific Requirements – Some countries require proof of health coverage for visas or entry, especially for extended stays.
  • Paying Out of Pocket – Without international coverage, you may have to cover medical expenses upfront, including hospital stays or specialist visits.
  • Medical Evacuations – In some destinations, local hospitals may not have the resources to treat serious conditions, making emergency transport to another country necessary.
  • Language & System Barriers – Navigating foreign healthcare systems and paperwork in another language can add extra stress if you need treatment.
  • Trip-Specific Needs – If you’re traveling for a mission trip, studying abroad, or an extended work assignment, certain organizations or visas may require insurance.

While no one expects to get sick or injured while traveling, being prepared ensures that you can get the care you need—without financial or logistical headaches.

What’s the Difference Between Travel Medical & International Health Insurance?

Choosing the right health coverage for international travel depends on how long you’ll be abroad and what kind of care you may need. While both Travel Medical Insurance and International Health Insurance offer protection outside your home country, they serve different purposes.

  • Travel Medical Insurance is short-term, designed to cover emergencies and unexpected illnesses while traveling.
  • International Health Insurance is long-term, functioning more like a traditional health plan that covers routine care, doctor visits, and ongoing treatments for those living or working abroad.

Here’s a quick comparison to help you decide which fits your situation best:

Feature International Health Insurance Travel Medical Insurance
Coverage Length Long-term, renewable yearly Short-term, covers trips
Who It’s For Expats, remote workers, global citizens Vacationers, business travelers
What It Covers Routine care, doctor visits, hospital stays Emergency care, medical evacuations
Cost Higher, more comprehensive More affordable, emergency-only

Both provide medical coverage while abroad, but the right choice depends on your travel situation and healthcare needs.

Not sure which one is right for you? Peoples First Insurance can help you find the best fit—contact us today for expert guidance!

Does International Health Insurance Cover Pre-Existing Conditions?

If you have a pre-existing condition, it’s important to know whether your international health or travel medical insurance will cover related care. Coverage for pre-existing conditions varies by plan and provider, so understanding your options can help you avoid unexpected costs while abroad.

Travel Medical Insurance & Pre-Existing Conditions

  • Most short-term travel medical insurance plans do not cover pre-existing conditions or may offer limited coverage under specific circumstances.
  • Some policies include a waiver for pre-existing conditions if you purchase coverage early (typically within a set window after booking your trip).
  • Emergency care may be covered if the condition is stable before travel, but routine treatments and ongoing management usually are not included.

International Health Insurance & Pre-Existing Conditions

  • Long-term international health insurance plans may provide some level of coverage for pre-existing conditions, but it depends on the insurer and plan type.
  • Some plans may exclude pre-existing conditions, while others allow coverage after a waiting period.
  • High-quality international plans may offer customized options for managing ongoing treatments, prescriptions, and specialist care while abroad.

If you have a pre-existing condition, it’s essential to review your options carefully before traveling or relocating.

Need help finding a plan that works for you? Peoples First Insurance can guide you to the right coverage—contact us today.

How Much Does International Medical Insurance Cost?

The cost of international health and travel medical insurance varies based on several factors, including your age, destination, coverage level, and how long you’ll be abroad. Understanding these factors can help you choose a plan that fits your budget while ensuring you have the protection you need.

  • Travel Medical Insurance is typically more affordable since it only covers emergencies and unexpected medical events during short trips.
  • International Health Insurance tends to cost more because it provides comprehensive, long-term coverage, including doctor visits, prescriptions, and ongoing treatments.
  • Your destination matters—healthcare costs vary by country, and some locations require higher coverage limits for visa approval.
  • Your age and medical history can also affect pricing, as older travelers or those with pre-existing conditions may have higher premiums or need specialized coverage.

The best way to get accurate pricing is to request a customized quote based on your travel plans and health needs.

Get Expert Help Choosing the Right International Health or Travel Medical Insurance

Choosing the right health coverage for traveling or living abroad can feel overwhelming—but you don’t have to figure it out alone. Whether you need short-term protection for a trip or comprehensive coverage for long-term stays, the right plan depends on your destination, length of stay, health needs, and budget.

At Peoples First Insurance, we simplify the process. Our experts help you:
✔ Compare plans to find the best fit for your specific needs.
✔ Understand coverage details—so you know exactly what’s included.
✔ Ensure compliance with visa and travel requirements.
✔ Get peace of mind knowing you’re protected no matter where life takes you.

Let’s find the right plan for your journey. Contact us today for expert guidance and a free quote!

FAQS

Yes, you can purchase standalone travel medical insurance without trip cancellation or other travel-related benefits. Travel medical insurance is designed specifically to cover medical emergencies, hospital visits, and evacuations while traveling abroad. This makes it a great option for travelers who already have trip protection through another provider but still want medical coverage for unexpected illnesses or injuries during their trip.

Most U.S. health insurance plans do not provide full coverage abroad, and those that do may have significant limitations or out-of-network costs. Medicare, for example, does not cover healthcare outside the U.S. except in very limited situations. Some private plans may offer emergency-only coverage, but routine care and hospital stays may not be included. This is why many travelers choose travel medical insurance for short trips or international health insurance for long-term stays abroad.

Yes, travel medical insurance is worth it for most international travelers. Medical emergencies can happen anywhere, and without coverage, you could face high out-of-pocket costs for hospital stays, emergency care, or medical evacuations. Many destinations also require proof of travel health insurance for entry or visa approval, making it an important part of travel planning. For a relatively low cost, travel medical insurance provides peace of mind and financial protection in case of unexpected health issues abroad.

The cost of international health insurance varies based on age, coverage level, destination, and pre-existing conditions. On average, plans can range from a few hundred to several thousand dollars per year, depending on the extent of coverage. Comprehensive plans that include routine care, prescriptions, and specialist visits will generally be more expensive than basic emergency-only coverage. The best way to determine pricing is to get a customized quote based on your personal situation.

The average cost of travel medical insurance depends on the length of the trip, the traveler’s age, and the coverage amount. Most plans range from $30 to $200 per trip, with higher premiums for older travelers or those seeking higher coverage limits. Travel medical insurance is generally affordable compared to the potential costs of a medical emergency abroad, making it a worthwhile investment for most international travelers.

Yes, international health insurance is available for expats, long-term travelers, and global professionals who need medical coverage outside their home country. Unlike travel medical insurance, which covers short-term emergencies, international health insurance provides comprehensive, ongoing healthcare coverage, including doctor visits, hospital stays, and prescriptions. Plans are usually renewable annually and can be tailored to include worldwide coverage or specific regions.

Yes, some international health insurance plans offer worldwide coverage, but they vary in terms of which countries are included and whether care in your home country is covered. Some global plans allow coverage everywhere except the U.S. (to keep premiums lower), while others include worldwide benefits, including the U.S., for a higher cost. If you need access to healthcare in multiple countries, it’s important to choose a plan that provides global protection with the right coverage limits.

The best international travel insurance for seniors depends on factors like age, health conditions, and coverage needs. Many providers offer specialized plans for older travelers, with options for higher medical coverage limits and emergency medical evacuation. It’s important for seniors to choose a plan that covers pre-existing conditions, as some policies may exclude coverage for prior health issues. Comparing plans with the help of an insurance expert can ensure seniors get the best coverage for their travels.