Travel Medical Insurance
You never know what will happen while you travel. Getting sick or hurt far from home is scary. That's why you need a plan that works everywhere you go one plan, wherever life takes you.
Your Health Plan Probably Doesn't Work Overseas
Most U.S. health plans stop working the moment you leave the country. That means a trip to the doctor, a hospital stay, or a medical flight home could come out of your own pocket.
Find the Plan That Fits Your Trip
A. Traveling Abroad (Up to 6 Months)
If you're going on a trip and not moving, these plans are built for you.
- Single Trip: covers one trip abroad
- Multi-Trip: covers many trips in one year, a good fit if you travel often
What's included:
- Coverage up to age 95
- Up to $1 million in medical coverage
- Emergency medical evacuation
- Coverage for pre-existing conditions on most plans
B. Living Abroad (3+ Months)
If you're moving, working, studying, or volunteering abroad, you need a different kind of plan.
- Individual & Family Expat Plan: for people living abroad long-term
- Worldwide Crew: for maritime workers
- Worldwide Education: for students and teachers, with F1/J1 visa options
- Worldwide Non-Profit: for NGO, missionary, and volunteer workers
What's included:
- Unlimited annual and lifetime coverage maximums
- Up to $250,000 in evacuation coverage
- Your choice of U.S. coverage level
- Optional dental and vision coverage
A. Traveling Abroad (Up to 6 Months)
If you're going on a trip and not moving, these plans are built for you.
- Single Trip: covers one trip abroad
- Multi-Trip: covers many trips in one year, a good fit if you travel often
What's included:
- Coverage up to age 95
- Up to $1 million in medical coverage
- Emergency medical evacuation
- Coverage for pre-existing conditions on most plans
B. Living Abroad (3+ Months)
If you're moving, working, studying, or volunteering abroad, you need a different kind of plan.
- Individual & Family Expat Plan: for people living abroad long-term
- Worldwide Crew: for maritime workers
- Worldwide Education: for students and teachers, with F1/J1 visa options
- Worldwide Non-Profit: for NGO, missionary, and volunteer workers
What's included:
- Unlimited annual and lifetime coverage maximums
- Up to $250,000 in evacuation coverage
- Your choice of U.S. coverage level
- Optional dental and vision coverage
Simple Coverage, Anywhere You Go
- Use any doctor, at any hospital, in any country
- In most cases, we bill the hospital directly, so you don't pay out of pocket
- Get help anytime with our app-based support and video doctor visits, 24 hours a day, every day
- If something serious happens, our medical team handles the evacuation, hospital admission, and flight home for you
See How This Coverage Has Helped Real Travelers
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Altitude sickness in Cusco, Peru
Air ambulance and hospital transfer. $22,500 covered.
Broken leg in Turin, Italy
Three-week hospital stay and a nurse who flew home with the patient. $44,000 covered.
Car accident in Indonesia
Flight to a hospital in Singapore, plus a visit from family at the bedside. $39,174 covered.
Broken leg in France
Surgery, direct hospital billing, and a coordinated flight home.
Video doctor visit in Cambodia
Fast help for a non-emergency health question, no local clinic needed.
Built for Every Kind of Traveler
- Vacationers and short trips
- Expats and their families
- Remote workers and maritime crew
- Students and teachers abroad
- NGO, missionary, and volunteer workers
Frequently Asked Questions
What is travel medical insurance, and do I need it?
Travel medical insurance pays for doctor visits, hospital stays, and emergency care when you're outside the U.S. If you're going on a trip, even a short one, it covers the gap your normal health plan leaves open.
Does my regular health insurance work outside the U.S.?
Most U.S. health plans give you little to no coverage overseas. Travel medical insurance is made to work anywhere in the world. Many plans also bill the hospital directly, so you're not stuck paying out of pocket in a foreign country.
What's the difference between a single-trip and a multi-trip plan?
A single-trip plan covers one trip of up to six months. A multi-trip plan covers as many trips as you take in a year. Both types can include up to $1 million in medical coverage and emergency evacuation.
What is medical evacuation, and why isn't it always covered?
Medical evacuation moves you to a hospital that can properly treat you, sometimes by air ambulance when the local care isn't enough. Regular health plans almost never cover this, and it can cost tens of thousands of dollars. Travel medical plans include it as a core part of coverage.
How does direct billing work at a hospital in another country?
Our team pays the hospital directly, so you don't have to pay upfront or wait to get your money back later. This can also help you get treated faster, since many hospitals abroad wait for payment before they will admit a patient.
What if I have a pre-existing health condition?
Most travel plans include coverage for pre-existing conditions. Expat living-abroad plans can cover them right away if you show proof of prior coverage. Ask us which plan fits your situation.
How long can I stay covered if I'm living abroad?
Living-abroad plans are made for stays of three months or longer, with no set end date. If your trip is shorter than three months, a single-trip or multi-trip plan is a better fit.
Is video doctor care included, and how do I use it abroad?
Yes. Every plan includes unlimited video doctor visits through a mobile app. You can talk to an English-speaking doctor from wherever you are. It's often the fastest way to get help for a health issue that isn't an emergency.
What's the difference between travel insurance and expat insurance?
Travel insurance covers trips of up to six months. Expat insurance is built for people living abroad three months or longer, with higher coverage limits and more choices for deductibles and U.S. coverage. Think of travel insurance as a visit, and expat insurance as a move.
Do students studying abroad need a special plan?
Yes. Our Worldwide Education plan is built for students and teachers. It meets F1 and J1 visa rules and can include mental health and maternity coverage that a standard travel plan doesn't offer.
Is there a plan for NGO or missionary workers abroad?
Yes. Our Worldwide Non-Profit plan is built for NGO, missionary, and volunteer workers living abroad three months or longer. It includes unlimited yearly and lifetime coverage, coverage related to terrorism, and continued coverage for a spouse and children if the worker passes away.
How much does travel medical insurance cost?
Cost depends on your age, how long your trip is, and how much coverage you choose. [Flag: confirm current pricing with underwriting before publishing; do not quote specific prices without verification.] Get an exact quote using the link below.
How do I get help during a medical emergency abroad?
Call the number on your ID card or open the mobile app, any time, day or night. Our medical team handles hospital coordination and billing directly, so your only job is to get care.
Ready to Get Covered?
Talk to Lindsay at Keenly to find the right plan for your trip or your move abroad.
