Traveling around the world is a liberating experience, which entails exploration with lifelong experiences. Nonetheless, it is accompanied by possible dangers that may interfere even with the most well-planned travels. There are sicknesses, accidents, and emergencies that may happen at any time and everywhere, and without the appropriate cover, the financial implications may be devastating. Here, travel medical insurance is necessary among long-term travelers and digital nomads.
The appropriate insurance will ensure a good night’s sleep because it will pay hospital costs, emergency flights, interrupted trips, missed flights, and other uncertainties. However, not every travel insurance is alike, whereas some will provide comprehensive coverage, while others leave big gaps. Below, we discuss some of the top travel medical plans, which specifically serve long-term travelers and nomads.
Best Travel Medical Insurance for Long-Term Travelers and Nomads
Here are the best options for travel medical insurance for long-term travelers and nomads.
1. Nationwide
Through TME Travel Insurance, Nationwide has a wide range of travel insurance plans that suit the various lifestyles of travelers. Among its quality characteristics is that it does not contain any infectious disease exclusions, i.e., it covers illnesses such as COVID-19 in the same way ordinary medical conditions are covered.
Nationwide plans typically include:
- Medical evacuation coverage to your hospital of choice.
- Options for both domestic and international travel coverage.
- Availability for a single trip or as an annual plan.
- Certain plans with a Cancel for Any Reason (CFAR) benefit.
- A waiver for pre-existing condition exclusions on select plans.
Nationwide is a good option to use among those travelers who want to have flexibility and a wide range of protection. The plan can be customized to the needs of the visitor, whether visiting on a short-term visit or a long journey.
Get a quote to explore coverage options that match your travel plans.
2. Azimuth Risk Solutions
Azimuth Risk Solutions has differentiated itself among others in that it does not just bring a cupful of value but value-plus. Azimuth is a company established by industry experts who have over 40 years of experience in the business of supplying maximum quality in terms of product, service, and after-sales.
What sets Azimuth apart is its Five Es principle:
- Make it Easy to Understand – Clear and straightforward plan details.
- Make it Easy to Obtain – Simple enrollment processes.
- Make it Easy to Use – Hassle-free claims and assistance.
- Service Excellence – A customer-first approach.
- Uncompromising Ethical Standards – Operating with integrity and transparency.
Azimuth provides international health, travel, and life insurance policies that suit the demand of international travelers. Their customer service strategy also aims at a long-term relationship. Whereby the clients feel satisfied with their services when traveling.
Get a free quote to find an ethical and traveler-focused plan.
3. WorldTrips
The Atlas Travel Insurance plan is provided by WorldTrips, a company of HCC that is listed on the New York Stock Exchange. It is intended to serve international travelers who are looking to have adjustable coverage. You have the option to tailor your plans by choosing your deductible, the coverage term, and the maximum limit you want to enjoy.
Key benefits of Atlas Travel include:
- Cover regarding the unexpected medical treatments includes COVID-19 treatments.
- Severe emergencies benefit from emergency medical evacuation.
- Additional coverages include Trip Interruption, Travel Delay, and Lost Checked Luggage.
WorldTrips is particularly appropriate for nomads, keen on setting the limits of the coverage and the expenditures. The flexibility to select the components of the plan will mean that you pay only what you consume.
Get a quote to customize your WorldTrips Atlas Travel plan.
4. GeoBlue
GeoBlue provides quality travel health insurance to world travelers, expatriates, and individuals who lead a global lifestyle. It has an elite medical provider network, creative mobile and online applications, telemedicine, and 24/7 customer support.
GeoBlue is a good one to get for travelers who require frequent international travel each year and who need a good quality high-limit package.
GeoBlue Single Trip / Voyager Plan Highlights:
- Ideal for international leisure, missionary, or business travel.
- Coverage for COVID-19 testing and treatment.
- Trip interruption benefits up to $1,000.
- Quarantine benefits up to $50 per day for 10 days.
- Medical limits and deductibles tailored to your needs.
- Pre-existing condition coverage with a current U.S. health plan.
- 24/7 access to medical, evacuation, mental health, and prescription benefits.
GeoBlue Multi-Trip / Trekker Plan Highlights:
- $1,000,000 medical coverage limit.
- $500,000 medical evacuation benefit.
- Coverage for unlimited trips outside the U.S. within a year (max. 70 days per trip).
- Baggage protection included.
- Pre-existing condition coverage with a primary health plan.
Get a quote from GeoBlue to secure elite-level global protection.
5. IMG
The International Medical Group (IMG) offers Patriot Travel Medical Insurance both on individual as well as family plans. This is short-term insurance that suits those travelers who require protection when traveling over a short duration (between five days to two years).
As a global insurance provider, IMG has a wide reach and network of providers and is a reliable insurance option for extended travel.
Key features of Patriot Travel Medical Insurance include:
- Medical coverage for unexpected medical events when abroad from your homeland.
- Insurance and medical evacuation in case of emergency, and political evacuation.
- Repatriation benefits and various deductible and maximum coverage (up to $2 000 000).
- Patriot International SM – to travel outside of the U.S. by U.S. citizens.
- Patriot America SM – to those who are not U.S. citizens and are traveling out of their own country.
Get a quote to find a plan that matches your trip length and budget.
How to Choose the Best Travel Medical Insurance as a Nomad
The following are possible factors to think about when choosing travel medical insurance in case of a long-term trip:
- Coverage for Medical Emergencies and Evacuation: Seek plans that have extensive protection coverage with respect to Hospital coverage, visits to the doctor, and evacuation arrangements to your choice medical facility.
- COVID-19 and Infectious Disease Coverage: Make sure the policy covers treatment in reference to the pandemic, with some providers not yet having removed the exclusions.
- Trip Interruption and Cancellation: Trip protection will prevent the loss of unexpected expenses in the event you have to cancel your travel plans due to illness, family reasons, or other covered causes.
- Pre-Existing Condition Coverage: In case you have pre-existing chronic conditions, pick plans that do not waive the pre-existing condition exclusions.
- Flexibility for Multiple Trips: A frequent traveler may find it more effective to get an annual multi-trip policy rather than a single-trip policy.
- Reputation and Customer Service: Select providers that have good feedback and offer assistance 24/7 so that you can get assistance whenever you require it.
Read More: Travel Insurance Guide: Essential Tips for Safe Travels
FAQs
- Do I need travel medical insurance if I already have health insurance at home?
Yes. The majority of domestic health plans are restricted or cannot be covered outside the country. This is where travel medical insurance enters the picture to cover your treatment and evacuation, in the case of emergencies outside of your home country.
- Does travel medical insurance cover routine check-ups?
Generally, no. Travel medical insurance works in relation to emergencies, sicknesses, and accidents. Typically, routine check-ups, cleaning, or preventive care are not covered except as stated within the policy.
- What is medical evacuation coverage, and why is it important?
Medical evacuation cover will cover such transport to the nearest appropriate hospital or home in an emergency. It is essential when it comes to travelers who go to remote locations or where there are few medical services.
- Can I get coverage if I have a pre-existing condition?
Yes, but it will depend on the insurer. Certain offers a waiver of pre-existing conditions when you get the policy during a specified period following your reservation of the trip.
- How do I choose between single-trip and multi-trip plans?
A single-trip plan can be a better option in case you travel a little more than once a year and on long trips. In case you frequently travel internationally, some multi-trip plans would help you save money and maintain constant coverage.
Ready to travel with confidence?
Reach out to Expat Global Medical Company today to get a travel medical insurance program that suits your lifestyle, mitigates your risks, and facilitates your travel journey. Wherever they lead you.
