aarp medical insurance for international travel

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Will Medicare cover me if I travel outside the United States?

| Unfortunately, no. Medicare doesn’t pay for medical services outside the United States or its territories, unless:

You experience a medical emergency while traveling between Alaska and another state and a Canadian hospital is closest to your location.
You face a medical emergency while you’re in the United States or one of its territories, but the nearest hospital is across the border, for example in Canada or Mexico.
You live in the United States or one of its territories and need hospital care, regardless of whether it’s an emergency, but the nearest hospital is in a foreign country, which might be the case if you live in parts of the U.S. Virgin Islands and the closest hospital is in the British Virgin Islands.
You need medical attention and you’re on a ship within six hours of a U.S. port.

Medicare covers all 50 states and the District of Columbia as well as U.S. territories American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.

AARP Membership — $12 for your first year when you sign up for Automatic Renewal

What happens when Medicare does cover foreign travel?

In situations where Medicare covers care outside the United States, Medicare Part A kicks in for inpatient hospitalization. Medicare Part B covers emergency ambulance and doctor services immediately before and during your hospital stay.

The same deductibles, copayments and coinsurance apply as they do for services covered here. But the coverage is limited: Medicare won’t pay for ambulance or doctor services in the foreign country after your covered hospital stay ends.

If you qualify, the foreign hospital may file a claim with Medicare, but it’s not required to do so. In that case, you may need to submit an itemized bill to Medicare. If you receive care on a cruise ship within six hours of a U.S. port, that doctor usually submits the Medicare claim.

Do Medicare supplement policies cover foreign travel?

If you buy a private Medicare supplement policy , better known as Medigap, you may have some coverage for foreign travel emergencies. Medigap Plans C, D, F, G, M and N cover emergency health care while you travel outside of the United States. Plans C and F are no longer available to new Medicare beneficiaries. Only people eligible for Medicare before 2020 can enroll in those two plans.

These Medigap plans cover foreign travel emergency care that begins in the first 60 days of your trip. They pay 80 percent of the billed charges for certain medically necessary emergency care outside the United States, but first you pay a $250 deductible for the year. The Medigap foreign travel emergency coverage has a lifetime limit of $50,000.

What other foreign travel emergency coverage is available?

Other policies provide some coverage for foreign travel emergencies:

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Medicare Advantage. Some private Medicare Advantage plans cover foreign travel emergency care, but the coverage limits and details vary. Find out more about the Medicare Advantage plans available in your area by using the Medicare Plan Finder .

Travel insurance. While some travel insurance policies cover trip cancellations, others also cover emergency medical care in a foreign country and medical evacuation to a nearby medical facility or back to the United States for care. However, some travel insurance policies exclude preexisting conditions, so find out about exclusions, coverage limits and other details before choosing a policy.

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Tricare for Life. If you’re a military retiree, you may have foreign-country health care coverage through Tricare for Life after you enroll in Medicare. Tricare for Life typically covers Medicare’s deductibles, copayments and coinsurance, but it also provides some additional benefits, such as health care outside of the United States. It provides the same foreign travel coverage under Tricare that military retirees and dependents have before enrolling in Medicare. You pay any deductibles and copayments for that coverage.

Keep in mind

If you plan to live abroad or travel back and forth regularly, rather than just vacation out of the country, you can enroll in Medicare. But you’ll forgo coverage while you’re away and still have to pay the monthly Part B premiums , typically $164.90 a month in 2023. You'll also have to pay Part A premiums if you or your spouse haven’t paid Medicare taxes for at least 10 years.

If you decide to wait to enroll in Medicare until after you return to the United States, you may have to pay a late-enrollment penalty . Americans working abroad who receive health insurance from their employers, live in a country with a national health system or do volunteer work and have health coverage through their sponsor organization have some exemptions.

In these circumstances, you’re eligible for an eight-month special enrollment period (SEP) after you stop working or lose your insurance, six months if you’re volunteering. Do your homework before making any decisions about your coverage before your departure.

Updated July 14, 2023

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How Anyone Can Use AARP to Save on Travel, Even If You Aren't Retired

Margaret Littman

April 4, 2024

In the spring of 2022, it seemed like everyone was hopping on a plane. (Others called it “revenge travel.” I just called it “happy to be out of the house.”) A friend whom I hadn’t seen since before the pandemic and I decided to spend a weekend in Charleston. We wanted to eat our way through the city, see the ocean, take some architecture tours, and catch up and hang out.

Everyone else had the same idea at the same time. Azaleas were in bloom. Rental cars were scarce, and hotels were overbooked. After being surprised by rates that were out of our budget, I logged in to AARP’s Travel Center and found a deal at Emeline, a design-forward boutique hotel in Charleston’s historic district. I snagged a car rental, too. They were both such a bargain, I double-checked that they were for real.

I hesitated to tell my friend how I booked the room—I didn’t want her to think we were “old,” by getting help from AARP. But she couldn’t deny it: Our South Carolina getaway weekend was saved.

What is AARP?

In the late 1940s, a retired school principal named Ethel Percy Andrus (in fact, the first female high school principal in California) saw that her peers needed health insurance. Medicare didn’t kick in until age 65, and those who retired before that age had few health insurance options and small pensions to pay for healthcare out of pocket. She started advocating for them, reaching out to insurance companies to see who would cover these retirees as a group during the pre-Medicare gap.

She was successful, and eventually, in 1958, the organization she founded became the American Association of Retired Persons (AARP). The organization has gone through many changes since then. Now, the acronym stands alone as its name as the group’s scope has broadened. But Andrus’s vision of an advocate for senior citizens remains.

Today, AARP is a non-partisan 501(c) (4) non-profit. It advocates for people over the age of 50 on topics such as Medicare and Social Security and has lobbyists who raise those issues in Washington, DC. State offices disseminate local information on health, safety, and politics. In addition, AARP shares information with its members through events, a magazine, an app, its website, and newsletters, covering everything from retirement planning to choosing a new puppy, and even provides entertainment, such as free movie screenings.

Who can join AARP?

AARP has more than 38 million members. Anyone ages 18 and older can join, although the organization is focused on peopl ages 50 and older. One way you’ll know that your 50 th birthday is imminent is you’ll get a red and white membership solicitation in the mail.

While anyone can join, those between the ages of 18 and 50 may not be eligible for all the discounts offered (such as those relating to insurance and others with third-party requirements). Those under 50 do not receive AARP magazine .

How much is AARP membership?

To welcome you into the fold, annual membership is $12 for the first year (if you sign up for automatic renewal) and $16 a year after that. Lower rates are available if you choose a longer period: $43 for three years or $63 for five years. Black Friday and other specials occasionally lower the price further. Military service members and veterans are eligible for a 43% discount.

Members ages 50 and older are eligible for a free secondary membership for any other adult in their house.

AARP travel benefits and discounts

AARP members receive a host of different benefits and discounts, from small savings on retail gift cards to health insurance to resume services, cell phone services, and online games. All of those benefits are separate from AARP travel perks , which are offered on a separate travel center website (with a separate log-in) administered by Expedia.

Many of the discounts and offerings change frequently, so it is worth checking back often, particularly if you are planning a big-ticket trip. While most of the travel partners stay consistent, the rates of discounts vary based on peak periods and availability, just like all travel deals. Some discounts are flagged with expiration dates, such as British Airways, but for the most part, those are renewed from year to year. There are no guarantees in life or in travel, though, so if you see a great deal that works for you, book it!

Some of the discounts are similar to modest deals you can get with AAA and other memberships or by searching various online sites. It is handy to have it all in one place, and the perks for packages (for booking hotel, car, and flights at the same time) are unusual. Typically, lower AARP rates cannot be combined with other discounts, so you won’t stack multiple discounts to snag a free trip. The website allows you to search for last-minute deals, finding even lower discounts (often an additional 10%) for trips within the next two weeks.

In addition to the cents off, AARP is an advocate for its members, so if there is a problem with a booking, you can get a live person to sort things out. A dedicated phone number, 800-675-4318, connects members to the Travel Center. When I needed to change my South Carolina car rental to a one-way trip so I could add a roadtrip to Greenville, it was an easy modification.

Once you get where you are going, you may also find AARP discounts on tickets for shows through Ticketmaster, as well as discounted gift cards and meals at some chain restaurants.

Best Western Hotels and Resorts

Best Western hotels and their related brands—including BW Premier Collection, Executive Residency by Best Western, Glo, SureStay Collection by Best Western, SureStay Hotel by Best Western, and Vib—offer 5% or more off the best available room rate. These brands include more than 4,000 hotels. AARP members who are also Best Western Rewards members 10% more bonus points on each stay.

Choice Hotels

AARP members receive a 10% discount at brands under the Choice brand umbrella, including Ascend Hotel Collection, Cambria Hotels, Clarion, Country Inn and Suites by Radisson, Econo Lodge, Quality Inn, Radisson, Radisson Blu , Rodeway Inn, Sleep Inn, and others.

Hilton Hotels & Resorts

Nab up to 10% off rooms at this collection of brands, including Conrad Hotels & Resorts, Curio Collection by Hilton, DoubleTree by Hilton, Embassy Suites by Hilton, Hilton Garden Inn, Tru by Hilton, and Waldorf Astoria. In addition to the discounted rate, members can request lake checkout until 2pm at no additional fee. AARP members who are Hilton Honors members earn points as usual on the discounted room, which is not always the case when booking through a third-party site.

AARP members can save 10% off the best available rate at the chain that claims to “leave a light on for you.” Request a late check out until 2pm at no additional fee.

Red Roof Inn

Save 10% off the best available room rate with an AARP membership Red Roof Inn, Red Roof PLUS+, Hometowne Studios by Red Roof, and The Red Collection . Members also receive one free bottle of water per room at check-in.

Wyndham Hotels and Resorts

Brands under the Wyndham umbrella—including AmericInn, Baymont, Days Inn, Howard Johnson, La Quinta, Microtel, Ramada, Super 8, Travelodge, Wyndham, and others—offer 10% discounts to AARP members.

All Resort Store

Find discounts of 10%-25% off on all-inclusive resort packages. Booking online requires setting up an account with All Resort Store.

Car Rentals

Avis and budget.

These car rental companies offer 30% off the base rate plus a number of other benefits, such as free upgrades, discount credits on future rentals, and additional drivers at no extra cost. An additional $15 off is available for three-day rentals that are paid in advance. In my experience, they also may have cars available through the Travel Center when direct booking flags locations as sold out.

AARP members receive 5% of the off of base rates, plus a free upgrade.

AARP members can choose car sharing, rather than traditional rentals, with $20 off an annual Zipcar membership.

Airport parking

Park Ride Fly offers 12% off parking reservations at 50 different locations across the country. Most reservations include airport shuttles and luggage assistance.

Trains, tours, and cruises

Collette Cruise Tours

Receive $50 - $100 off per person on river cruises in China, Egypt, and Norway.

Grand European Travel

AARP members are eligible for up to $100 off per person on luxury river cruises in Europe, Egypt, and Asia.

Holland American Line

AARP Members who book Princess Cruises, Holland America, and Celebrity Cruises will find limited-time discounted offers on specific routes for specific dates. In addition, AARP members receive a $200 onboard credit.

Hurtigruten Expeditions

The cruise line offers 5% off cruises plus a €100 per-person onboard credit to AARP members and non-members who book with the member. Hurtigruten discounts and offers are stackable.

Vacation By Rail

Snag 5% off on more than 40 rail and cruise combination trips to National Parks, Alaska, Canada, and elsewhere in the U.S.

Through a partnership with AARDY, a travel insurance marketplace, members can compare discounted rates on different travel insurance policies in the U.S.

AARP members receive 20% off memberships to Medijet, which provides hospital-of-choice medical transfers when you are 150 miles or more from home. Services include transport and evacuation services.

Flight and vacation packages through British Airways

Book a flight on British Airways and receive $65 off a round-trip economy flight (not applicable to basic economy rates) or $200 off a round-trip business class ticket.

Most deals Going finds are bookable directly on the airline. So, when Going sends you an alert about a deal on British Airways, you can save a little bit more by booking directly with British Airways to get that AARP discount.

It also pays to plan ahead. Members who purchase everything all at the same time, be that a flight and a hotel room, a flight, and a car rental, or all three together, receive a $50 gift card to select merchants.

Passport and visa services

AARP members can purchase passport renewal bundles that include shipping and government fees. Special pricing and expedited services through Rush My Passport are available for all passport types, including renewals, name changes, passport cards, travel visas, and other services. This is handy if you need to expedite processing for an upcoming trip. This benefit also applies to members' family members.

How AARP discounts work

Most of the travel discounts are accessed through the AARP Travel Center website, which is operated by Expedia. Limited-time and special offers relating to travel may also be posted on the AARP website or in the app and then are booked or redeemed through a third-party site, some of which require a promo code. Logging into the AARP Travel Center requires an AARP membership number. Reservations can be made by calling 800-675-4318, although it can be harder to browse options over the phone.

Members may need to show their AARP membership card on check in to verify the discount. AARP provides digital cards for those who don’t want to carry a physical card.

Frequently asked questions about AARP Travel

AARP members receive modest discounts on many aspects of travel, from hotels to car rentals to passport expediting, all accessible from the same website. AARP’s low-cost membership fee makes it relatively easy to earn back the cost. Unlike booking through some other third-party sites, it is still possible to earn reward program points, though some discounts may be subject to some blackout periods.

The bottom line: Even if you aren’t yet in the typical AARP demographic, the annual membership can pay for itself with the discounts available. And pair it with a Going membership that helps you save on flights, and you could be traveling a lot more this year for less.

Freelance Writer

Published April 4, 2024

Last updated April 4, 2024

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aarp medical insurance for international travel

International travel medical insurance and travel protection

Travel with less worry with safetrip from unitedhealthcare global.

With SafeTrip travel protection plans from UnitedHealthcare Global, you can set off on your next adventure prepared and ready for what comes your way — whether that’s medical, emergency or trip cancellation surprises. Choose the right SafeTrip travel medical insurance or travel protection plan for you, with plans that include medical coverage, trip cancellation, evacuation and other coverage options.

Find SafeTrip travel medical insurance and travel protection options for you

Get coverage to protect yourself and your trip expenses on all of life’s travels.

What is international travel medical insurance?

International travel medical insurance is secondary emergency coverage for people who are leaving their home country and provides coverage while they are outside of their country, whether that’s for a trip, work outside the country, a volunteer trip or any other travel circumstance.

What does international travel medical insurance cover?

International travel medical insurance typically offers benefits that cover emergency medical, dental and evacuation services. Some plans, like those with added travel protection benefits, cover specific travel-related circumstances, like trip cancellation, trip interruptions or lost baggage.

Why buy international travel medical insurance and travel protection?

With travel medical insurance and travel protection, you’ll have coverage to help protect your financial investment — and your health and safety. It’s your ticket to help you travel with less stress. Some advantages of choosing travel medical and trip protection include:

Financial protection

Get reimbursement for missed connections, trip delays, cancellations, baggage loss and eligible covered non-refundable expenses

Health coverage

Ensure you’re covered for medical emergencies and evacuation coupled with assistance coordinating arrangements and more

Safety and security

Be sure you’re protected — many domestic health insurance plans may not cover medical emergencies while traveling abroad

Explore our top SafeTrip plans for travelers

Our travel protection plans offer flexible benefits for any voyage — from bucket-list trips to out-of-country work and more. These 3 plan choices include coverage for everything from trip delays and cancellations to unexpected health care needs and helpful details like destination profiles and evacuation coverage.

International Travel Medical Plus

Protect yourself with a combination plan that covers unexpected medical needs and unanticipated trip cancellations.

No deductibles
Trip cancellation, interruption, delay and baggage coverage
Medical and security assistance
Option to add Extreme Sports and Rental car coverage

International Travel Medical

Choose plan options with emergency medical insurance for travel off the beaten path — and anywhere else your trip may take you.

Up to $1 million for medical expense limit
Medical evacuation and medical assistance
Option to add Extreme Sports coverage

Travel Protection

Be prepared by choosing a plan with backup for domestic U.S. trip cancellations, interruptions and delays.

Full AD&D coverage
Option to add Rental car coverage

Why choose SafeTrip Travel Medical Insurance from UnitedHealthcare Global?

24/7 support.

Get support from instant customer service, available in more than 100 languages

Global providers

Get connected to quality physicians, clinics and hospitals worldwide

Around-the-world coverage

Explore coverage options available in more than 150 countries

All-in-one service

Count on service all within our one company that brings you 45 years of experience

Frequently asked questions about international travel medical plans

Read on to learn more about why international travel medical plans may be right for you.

Who should buy travel medical insurance?

If you’re traveling abroad, going on a business trip overseas or planning an expensive trip, travel insurance or travel protection may be a good choice for you. It’s a way to be better prepared for the possibility that your trip may be interrupted or canceled or if you experience a medical emergency while away. It’s coverage that connects you with medical care, travel protection and more.

Nearly every traveler can benefit from the extra protection of travel medical insurance. Some in particular who may want to consider it include:

Families with children
Anyone visiting a country that speaks a different language
Solo travelers
Travelers to a remote location

What kind of travel insurance is right for me?

SafeTrip travel protection includes 3 plan options for you to choose from. The right plan for you will depend on your situation and the level of coverage that’s important to you.

International Travel Medical Plus is a combination protection plan including travel medical insurance and travel protection (including trip cancellation).

International Travel Medical Plus plans focus on coverage in the event your trip is cancelled or interrupted, but still includes eligible medical expense limits ranging from $50,000 to $150,000.

International Travel Medical provides emergency travel medical coverage including evacuation.

International Travel Medical plans are geared towards travelers who may want more robust medical coverage for unexpected accidents or sickness. These plans start at a minimum medical expense limit of $100,000 and allow for a maximum of $1,000,000.

Travel Protection plans give you coverage if your trip is interrupted, delayed or cancelled in the U.S. — domestic travel only.

Does my health insurance work internationally?

Many health insurance plans do not cover you when you are out of the country. For those that do, the coverage is often limited and requires you to pay at the time of service, save receipts and file for reimbursement once you get home.

In case of a medical or dental emergency while in another country, this could require you to spend a large amount of your own personal funds or charge significant amounts on credit cards while you are still traveling.

Travel medical insurance plans typically cover emergency medical and dental costs. Emergency transportation costs, such as ambulance or air lift, also are often covered, as are emergency evacuations that would get you from a remote location to appropriate medical care.

How much is travel insurance?

While travel insurance, or travel protection, is often more expensive than travel medical insurance, these plans give you the additional assurance that you are covered against the financial loss due to covered reasons under the policy. Travel protection costs are based on the total trip cost and can therefore vary by trip.

Travel medical insurance, on the other hand, only covers you for any medical emergencies or medical evacuations and is often cheaper than the combined plans offering travel medical insurance and trip protection in one.

How long before traveling should you get travel insurance?

It is generally recommended to purchase travel insurance as soon as you have made any non-refundable payments towards your trip. This helps to ensure that you are covered for any unforeseen circumstances that may arise before your departure. A SafeTrip policy can be purchased as little as 24-hours or one full day prior to travel departure.

Are non-medical benefits available with travel medical insurance?

Even if you’re facing a non-medical challenge, UnitedHealthcare Global SafeTrip plans are here for you with support and assistance. You can call our 24/7 Emergency Response Center to assist with lost or stolen passports, legal referrals, translation services, emergency transfer of funds and a host of other non-medical problems. Please refer to your policy for details.

How do I make a claim if I have a travel medical plan?

If you currently have a SafeTrip plan and you need to make a claim, follow these simple steps:

Visit CBP Connect
Follow the instructions on screen

For additional questions:

Call: 1-877-693-8530

Email: [email protected]

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Explore more supplemental plans

View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.

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Take travel woes into account with the Package Protection Plan. This plan covers you from the moment you book your vacation until you return home.

Change or cancel your trip for any reason one time prior to departure
Enjoy coverage from the time you book until you return home
Provides reimbursement for emergency medical expenses, lost luggage, and more

For a pre-travel plan only, consider the Vacation Waiver

Please see Terms and Conditions for full terms, including limitations and exclusions.

Plan Coverage
What's Not Covered
Claim Instructions
Terms Of Coverage
Definitions

Important: This program is valid only if the appropriate plan cost has been received by Expedia, Inc. Please keep this document as your record of coverage.

SECTION I: Expedia Vacation Waiver

IMPORTANT: Benefits under Section I are provided by Expedia, Inc. Details regarding cancellation penalties, terms and conditions are fully outlined here.

Change or cancel for any reason

The Expedia Vacation Waiver helps protect you against life's unexpected occurrences. Your group is allowed to change or cancel your trip for any reason one (1) time prior to the scheduled start time* of your trip without being charged any change or cancellation fees. If canceling, any monies paid will be returned to the customer who booked the travel except the cost of published airfare, which may be made available as a credit for future travel.**

Note: The waiver is valid once you have paid the appropriate waiver cost and your booking is confirmed.

*Scheduled Start Time is defined as the originally scheduled departure time of your flight or, if you haven’t booked a flight as part of your package, the scheduled check-in time of your hotel at the time of booking. Other terms and conditions apply. Please see Terms and Conditions below.

**For a published air ticket , credit may be issued per applicable airline policies less airline change fees and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility. You are allowed to change or cancel your trip for any reason one (1) time prior to the start of your trip.

Refund Instructions

When your group purchases Expedia Vacation Waiver you will be asked to print your voucher. Please keep your voucher handy as a reference. You do not need to redeem your voucher at any time. You will also be able to access your information from the voucher in your online itinerary once your booking is confirmed. The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. The waiver is not transferable, has no cash value, and may be redeemed only once. Once the voucher has been utilized it cannot be reused. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking.

You must call contact Expedia at 1-800-675-4318 to cancel or change your vacation package.

Terms & Conditions

The Expedia Vacation Waiver is valid for redemption only by the person(s) named on the voucher. It is not transferable, has no cash value, and may be redeemed only once. The Expedia Vacation Waiver must be purchased at the time of booking; waivers cannot be purchased after booking. The Vacation Waiver excludes the price of the Expedia Vacation Waiver.

If you change or cancel your trip for ANY REASON prior to the scheduled start time* of your trip, all package cancellation fees imposed by the Booking Agent will be waived, except the cost of Published Air.

SECTION II: Coverages offered by Insurer

Stonebridge Casualty Insurance Company Travel Insurance Certificate Policy Number MZ0911076H0002A

DESCRIPTION OF COVERAGE

Schedule: Expedia, Inc Maximum Benefit Amount

PART A. TRAVEL ARRANGEMENT PROTECTION

Trip Cancellation Up to Total Vacation Cost
Trip Interruption Up to Total Vacation Cost
Trip Delay $500, Up to $100/day

PART B. MEDICAL PROTECTION

Emergency Evacuation/Repatriation of Remains $15,000
Accident Medical Expense $5,000
Sickness Medical Expense $5,000

PART C. BAGGAGE PROTECTION

Baggage/Personal Effects $1,000
Baggage Delay $500

PART D. TRAVEL ACCIDENT PROTECTION

Accidental Death & Dismemberment Air Common Carrier $50,000

PART E. WORLDWIDE EMERGENCY ASSISTANCE (On Call International)

CareFree™ Travel Assistance 24/7
Medical Assistance 24/7
Emergency Services 24/7

The benefits provided in this program are subject to certain restrictions and exclusions. Important: Please read this brochure in its entirety for a complete description of all coverage terms and conditions. Note: Words beginning with capital letters are defined in this text.

SUMMARY OF COVERAGES

Trip Cancellation and Trip Interruption Benefits

Pre-Departure Trip Cancellation

We will pay a Pre-Departure Trip Cancellation Benefit, up to the amount in the Schedule for non-refundable cancellation charges imposed by Expedia, Inc. if you are prevented from taking your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s Sickness, Injury or death or Other Covered Events as defined, that occur(s) before departure on your Covered Vacation.

The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Vacation.

Pre-Departure Trip Cancellation Benefits

We will reimburse you, up to the amount in the Schedule for the amount of prepaid, non-refundable, and unused Payments or Deposits that you paid for your Covered Vacation. We will pay your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is canceled and your Covered Vacation is not canceled.

Note: As respects air cancellation penalties, you will be covered only for air arrangements booked through Expedia, Inc. and flights connecting to such air arrangements booked through Expedia, Inc. We will not pay benefits for cancellation charges imposed on any other air arrangements you may book on your own.

Post-Departure Trip Interruption

We will pay a Post-Departure Trip Interruption Benefit, up to the amount in the Schedule, if: 1) your arrival on your Covered Vacation is delayed; or 2) you are unable to continue on your Covered Vacation after you have departed on your Covered Vacation due to your, an Immediate Family Member’s, Traveling Companion’s, or Business Partner’s, Sickness, Injury or death or Other Covered Events as defined.

For item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Vacation and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Vacation or to prevent you from continuing your Covered Vacation.

Post-Departure Trip Interruption Benefits

We will reimburse you, less any refund paid or payable, for unused land or water travel arrangements, and/or the following:

the additional transportation expenses by the most direct route from the point you interrupted your Covered Vacation: a) to the next scheduled destination where you can catch up
the additional transportation expenses incurred by you by the most direct route to reach your original Covered Vacation destination if you are delayed and leave after the Scheduled Departure Date. However, the benefit payable under (1) and (2) above will not exceed the cost of a one-way economy air fare by the most direct route less any refunds paid or payable for your unused original tickets.
your additional cost as a result of a change in the per person occupancy rate for prepaid travel arrangements if a Traveling Companion’s Covered Vacation is interrupted and your Covered Vacation is continued.
reasonable additional accommodation and transportation expenses (up to $100 per day) incurred to remain near a covered traveling Immediate Family Member or Traveling Companion who is hospitalized during your Trip.

In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Trip.

Important: You, your Traveling Companion and/or your Immediate Family Member booked to travel with you must be medically capable of travel on the day you purchase this coverage. The covered reason for cancellation or interruption of your Trip must occur after your effective date of Trip Cancellation coverage.

Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:

being directly involved in a documented traffic accident while en route to departure;
being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;
having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self- employed persons.

If your Covered Vacation is delayed for 12 hours or more, we will reimburse you, up to the amount shown in the Schedule for unused land or water travel arrangements, less any refund paid or payable and reasonable additional expenses incurred by you for hotel accommodations, meals, telephone calls and economy transportation to catch up to your Trip, or to return Home. We will not pay benefits for expenses incurred after travel becomes possible.

Trip Delay must be caused by or result from:

Air Common Carrier delay;
loss or theft of your passport(s), travel documents or money;
being Quarantined;
natural disaster;
a documented traffic accident while you are en route to departure;
unannounced strike;
a civil disorder.

Medical Expense/Emergency Assistance Benefits

We will pay this benefit, up to the amount on the Schedule for the following Covered Expenses incurred by you, subject to the following: 1) Covered Expenses will only be payable at the Usual and Customary level of payment; 2) benefits will be payable only for Covered Expenses resulting from a Sickness that first manifests itself or an Injury that occurs while on a Covered Vacation; 3) benefits payable as a result of incurred Covered Expenses will only be paid after benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you.

We will pay that portion of Covered Expenses which exceed the amount of benefits payable for such expenses under your Other Valid and Collectible Group Insurance.

Covered Expenses:

Accident Medical Expense/Sickness Medical Expense:

expenses for the following Physician-ordered medical services: services of legally qualified Physicians and graduate nurses, charges for Hospital confinement and services, local ambulance services, prescription drugs and medicines, and therapeutic services, incurred by you within one year from the date of your Sickness or Injury;
expenses for emergency dental treatment incurred by you;

Emergency Evacuation:

expenses incurred by you for Physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable Hospital, when you are critically ill or injured and no suitable local care is available, subject to the Program Medical Advisors prior approval;
expenses incurred for non-emergency medical evacuation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence, when deemed medically necessary by the attending Physician, subject to the Program Medical Advisors prior approval;
expenses for transportation not to exceed the cost of one round-trip economy class air fare to the place of hospitalization for one person chosen by you, provided that you are traveling alone and are hospitalized for more than 7 days;
expenses for transportation not to exceed the cost of one-way economy class air fare to your place of residence, including escort expenses if you are 25 years of age or younger and left unattended due to the death or hospitalization of an accompanying adult(s), subject to the Program Medical Advisors prior approval;
expenses for one-way economy class air fare to your place of residence, from a medical facility to which you were previously evacuated, less any refunds paid or payable from your unused transportation tickets, if these expenses are not covered elsewhere in the plan.

Repatriation:

repatriation expenses for preparation and air transportation of your remains to your place of residence, or up to an equivalent amount for a local burial in the country where death occurred, if you die while on your Covered Vacation.

Losses Not Covered:

Please Note: In no event will all benefits paid for Emergency Evacuation and Repatriation expenses exceed the coverage limit of $15,000.

Please note: Benefits under Parts A & B (except Emergency Evacuation and Repatriation) are subject to exclusions listed on Pages 12-13.

Baggage and Personal Effects Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage during your Covered Vacation.

Valuation and Payment of Loss

Payment of loss under the Baggage and Personal Effects Benefit will be calculated based upon an Actual Cash Value basis. For items without receipts, payment of loss will be calculated based upon 80% of the Actual Cash Value at the time of loss. At our option, we may elect to repair or replace your Baggage. We will notify you within 30 days after we receive your proof of loss.

We may take all or part of a damaged Baggage as a condition for payment of loss. In the event of a loss to a pair or set of items, we will: 1) repair or replace any part to restore the pair or set to its value before the loss; or 2) pay the difference between the value of the property before and after the loss.

Items Subject to Special Limitations

We will not pay more than $1,000 (or the Baggage and Personal Effects limit, if less) on all losses to jewelry; watches; precious or semi-precious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras, camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. There is a $500 per article limit.

Baggage Delay Benefit

We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed by an Air Common Carrier for 24 hours or more during your Covered Vacation. You must be a ticketed passenger on an Air Common Carrier.

Accidental Death and Dismemberment

Air Common Carrier Benefits We will pay this benefit, up to the amount on the Schedule, if you sustain a covered loss in an Accident which occurs: 1) while a passenger in or on, boarding or alighting from an Air Common Carrier or 2) being struck or run down by an Air Common Carrier of a regularly scheduled airline or an air charter company that is licensed to carry passengers for hire while you are on a Covered Vacation and covered under the plan, and you suffer one of the losses listed below within 365 days of the Accident. The Principal Sum is the benefit amount shown in the schedule.

Loss Percentage of Principal Sum Payable
Both Hands; Both Feet or Sight of Both Eyes 100%
One Hand and One 100%
One Hand and Sight of One Eye 100%
One Foot and Sight of One Eye 100%
One Hand; One Foot or Sight of One Eye 50%

If you suffer more than one loss from one Accident, we will pay only for the loss with the larger benefit. Loss of a hand or foot means complete severance at or above the wrist or ankle joint. Loss of sight of an eye means complete and irrecoverable loss of sight.

Not a care in the world... when you have our 24/7 global network to assist you

CareFree™ Travel Assistance

Medical Assistance

Emergency Services

Travel Arrangements

Arrangements for last-minute flight and hotel changes
Luggage Locator (reporting/tracking of lost, stolen or delayed baggage)
Hotel finder and reservations
Airport transportation
Rental car reservations and automobile return
Coordination of travel for visitors to bedside
Return travel for dependent/minor children
Assistance locating the nearest embassy or consulate
Cash transfers
Assistance with bail bonds

Pre-trip Information

Destination guides (hotels, restaurants, etc.)
Weather updates and advisories
Passport requirements
Currency exchange
Health and safety advisories

Documents and Communication

Assistance with lost travel documents or passports
Live email and phone messaging to family and friends
Emergency message relay service
Multilingual translation and interpretation services

Medical Assistance and Managed Care

Medical case management, consultation and monitoring
Medical Transportation
Dispatch of a doctor or specialist
Referrals to local medical and dental service providers
Worldwide medical information, up-to-the-minute travel medical advisories, and immunization requirements
Prescription drug replacement
Replacement of eyeglasses, contact lenses and dental appliances
Emergency evacuation
Repatriation of mortal remains
Emergency medical and dental assistance
Emergency legal assistance
Emergency medical payment assistance
Emergency family travel arrangements

CareFree™ Travel Assistance, Medical Assistance and Emergency Services can be accessed by calling On Call International at 1-800-618-0692 or, from outside the U.S. or Canada, call collect:* 1-603-328-1711

* If you have any difficulty making this collect call, contact the local phone operator to connect you to a US-based long-distance service. In this case, please let the Assistance Provider answering the phone know the number you are calling from, so that he/she may call you back. Any charges for the call will be considered reimbursable benefits.

Note that the problems of distance, information, and communications make it impossible for Stonebridge Casualty Insurance Company, Berkely, Expedia, Inc., or On Call International to assume any responsibility for the availability, quality, use, or results of any emergency service. In all cases, you are still responsible for obtaining, using, and paying for your own required services of all types.

Section I: Cancellation Fee Waiver

You may Change or Cancel your trip for ANY REASON one (1) time prior to the start of your trip. All cancellation fees will be covered by Expedia, except the cost of published air. Credit, pursuant to applicable airline policies, may be issued less airline change fees, and Expedia, Inc. will absorb the change fees. The actual airfare could be higher at the time of rebooking; in that event the price differential would be your responsibility.

GENERAL PLAN EXCLUSIONS

In parts a & b:, we will not pay for any loss caused by or incurred resulting from:.

mental, nervous, or psychological disorders, except if hospitalized;
being under the influence of drugs or intoxicants, unless prescribed by a Physician;
normal pregnancy, except if hospitalized; or elective abortion;
riding or driving in any motor competition;
declared or undeclared war, or any act of war;
service in the armed forces of any country;
operating or learning to operate any aircraft, as pilot or crew;
any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
Elective Treatment and Procedures;
medical treatment during or arising from a Covered Vacation undertaken for the purpose or intent of securing medical treatment;
business, contractual or educational obligations of you, an Immediate Family Member or Traveling Companion;
failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.

ITEMS NOT COVERED WE WILL NOT PAY FOR DAMAGE TO OR LOSS OF:

property used in trade, business or for the production of income, household furniture, musical instruments, brittle or fragile articles, or sporting equipment if the loss results from the use thereof;
artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses;
documents or tickets, except for administrative fees required to reissue tickets;
money, stamps, stocks and bonds, postal or money orders, securities, accounts, bills, deeds, food stamps or credit cards,
property shipped as freight or shipped prior to the Scheduled Departure Date.

THE FOLLOWING EXCLUSIONS APPLY TO THE ACCIDENTAL DEATH AND DISMEMBERMENT COVERAGE:

We will not pay for loss caused by or resulting from Sickness of any kind.
You, your Traveling Companion’s, or Immediate Family Member’s booked to travel with you, suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);
participation as a professional in athletics;
participation in organized amateur and interscholastic athletic or sports competition or events;
nuclear reaction, radiation or radioactive contamination;
mountain climbing, bungee cord jumping, skin diving, scuba diving, snow skiing, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company.

LOSSES NOT COVERED WE WILL NOT PAY FOR LOSS ARISING FROM:

theft or pilferage from an unattended vehicle;
mysterious disappearance;
EMERGENCIES ARISING DURING YOUR TRIP: Please refer to Part E. Worldwide Emergency Assistance
TRIP CANCELLATION CLAIMS: Contact Expedia, Inc. and BerkelyCare IMMEDIATELY to notify them of your cancellation and to avoid any non-covered expenses due to late reporting. BerkelyCare will then forward the appropriate claim form which must be completed by you AND THE ATTENDING PHYSICIAN, if applicable. If you are cancelling due to a death, a death certificate will be required.
ALL OTHER CLAIMS: Report your claim as soon as possible to BerkelyCare. Provide the policy number, your travel dates, and details describing the nature of your loss. Upon receipt of this information, BerkelyCare will promptly forward you the appropriate claim form to complete. If you are interrupting due to a death, a death certificate will be required.

Online: www.travelclaim.com

Phone: 1-(800) 453-4079 or 1-(516) 342-2720

Mail: BerkelyCare 300 Jericho Quadrangle, P.O. Box 9022, Jericho, NY 11753 Office Hours: 8:00 am - 10:00 pm ET, Monday - Friday; 9:00 am - 5:00 pm ET, Saturday

IMPORTANT: In order to facilitate prompt claims settlement upon your return, be sure to obtain as applicable:

Accident & Sickness Medical Claims – receipts from the treating Physicians, etc. stating the amounts paid and listing the diagnosis and treatment; submit these first to your other medical plans. Forward a copy of their final disposition of your claim to BerkelyCare.

You must provide us with all bills and reports for medical and/or dental expenses claimed.
You must provide any requested information, including but not limited to, an explanation of benefits from any other applicable insurance.
You must sign a patient authorization to release any information required by us, to investigate your claim.
You must receive initial treatment within 90 days of the accident, which caused the Injury or the onset of the Sickness.

Your duties in the event of a Trip Interruption & Trip Delay Claims: Medical statements from the Physicians in attendance in the country where the Sickness or Injury occurred. These statements should give complete diagnosis, stating that the Sickness or Injury prevented traveling on dates contracted. Or, verification of the Common Carrier’s mechanical or scheduling problems, or verification of other covered reason causing delay. Provide all unused transportation tickets, official receipts, etc.

Your duties in the Event of a Baggage/Personal Effects Loss: In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss; and 2) take reasonable steps to protect your Baggage from further damage, and make necessary, reasonable and temporary repairs. We will reimburse you for these expenses. We will not pay for further damage if you fail to protect your Baggage. Submit claim first to party responsible, as well as your regular property insurer. Forward copies of the outcome of your claim to BerkelyCare with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if available.

When Coverage Begins

All coverages (except Pre-Departure Trip Cancellation and Post-Departure Trip Interruption) will take effect on the later of: 1) the date the plan payment has been received by Expedia, Inc.; 2) the date and time you start your Covered Vacation; or 3) 12:01 A.M. Standard Time on the Scheduled Departure Date of your Covered Vacation.

Pre-Departure Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the day your plan payment is received by Expedia, Inc. Post-Departure Trip Interruption coverage will take effect on the Scheduled Departure Date if the required plan payment is received.

When Coverage Ends

Your coverage automatically ends on the earlier of:

the date the Covered Vacation is completed;
the Scheduled Return Date;
your arrival at the return destination on a round-trip, or the destination on a one-way trip;
cancellation of the Covered Vacation covered by the plan.

In the certificate, “you”, “your” and “yours” refer to the Insured. “We”, “us” and “our” refer to the company providing the coverage. In addition certain words and phrases are defined as follows:

Accident means a sudden, unexpected, unintended and external event, which causes Injury.

Actual Cash Value means purchase price less depreciation.

Air Flight Common Carrier means any air conveyance operated under a license for the transportation of passengers for hire.

Baggage means luggage, personal possessions and travel documents taken by you on the Covered Vacation.

Business Partner means an individual who is involved, as a partner, with you in a legal general partnership and shares in the management of the business.

Covered Vacation means a period of travel away from Home to a destination outside your city of residence; the purpose of the Vacation is business or pleasure and is not to obtain health care or treatment of any kind; the Vacation has defined departure and return dates specified when the Insured enrolls; the Vacation does not exceed 6 months.

Common Carrier means any land, water or air conveyance operated under a license for the transportation of passengers for hire.

Domestic Partner means a person who is at least eighteen years of age and you can show: 1) evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) evidence of cohabitation for at least the previous 6 months; and 3) an affidavit of domestic partnership if recognized by the jurisdiction within which they reside.

Elective Treatment and Procedures means any medical treatment or surgical procedure that is not medically necessary including any service, treatment, or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.

Home means your primary or secondary residence.

Hospital means an institution, which meets all of the following requirements:

it must be operated according to law;
it must give 24 hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
it must provide diagnostic and surgical facilities supervised by Physicians;
registered nurses must be on 24 hour call or duty; and
the care must be given either on the hospital’s premises or in facilities available to the hospital on a pre-arranged basis.

A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility which primarily treats mental illness, alcoholism, or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).

Immediate Family Member includes your or the Traveling Companion’s spouse, child, spouse’s child, son-daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster-child, or ward.

Injury means bodily harm caused by an accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.

Insured means an eligible person who arranges a Covered Vacation and pays any required plan payment.

Insurer means Stonebridge Casualty Insurance Company.

Other Valid and Collectible Group Insurance means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.

Payments or Deposits means the cash, check, or credit card amounts actually paid to the Expedia, Inc. for your Covered Vacation.

Physician means a person licensed as a medical doctor by the jurisdiction in which he/she is a resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or an Immediate Family Member of yours.

Policy means the contract issued to the Policyholder providing the benefits specified herein.

Policyholder means the legal entity in whose name this Policy is issued, as shown on the benefit Schedule.

Program Medical Advisors means On Call International.

Quarantined means the enforced isolation of an Insured and/or the restriction of free movement of an Insured suffering or suspected to suffer from a contagious disease to prevent the spread of contagious disease.

Schedule means the benefit schedule shown on the Certificate for each Insured.

Scheduled Departure Date means the date on which you are originally scheduled to leave on your Covered Vacation.

Scheduled Return Date means the date on which you are originally scheduled to return to the point where the Covered Vacation started or to a different final destination.

Scheduled Vacation Departure City means the city where the scheduled trip on which you are to participate originates.

Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.

Traveling Companion means one person whose name appears with you on the same Trip arrangement and who, during the Trip, will accompany you.

Usual and Customary Charge means those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile.

Vacation means a scheduled trip for which coverage has been elected and the plan payment paid, and all travel arrangements are arranged by the Expedia, Inc. prior to the Scheduled Departure Date of the trip.

What is the Package Protection Plan?

Part I: Cancel for ANY Reason waiver provided by Expedia.com

Passengers can cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air.
The value of Published Air may be used within a year of original ticket issue date, and Expedia will absorb the change fee. The actual airfare could be higher at time of rebooking.

Part II: Travel insurance plan administered by BerkelyCare

A package of insurance benefits payable for covered reasons, as well as travel assistance services.
Benefits include coverage for trip cancellations, interruptions and delays; medical coverage including emergency evacuations and repatriations; baggage losses and delays; and 24-hour emergency travel assistance.

Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, OH.

Why should I purchase the Package Protection Plan?

You've saved, you've waited, and now you're all set to go on the vacation of your life - an Expedia vacation. Preparing for your vacation should include covering yourself against unfortunate occurrences that can interfere with even your best-laid plans. By purchasing the Package Protection Plan, you can be reimbursed for cancellation penalties, medical costs, baggage loss, and delays due to covered reasons, as well as gain access to a wide range of traveler's assistance services.

Unexpected situations can happen to anyone, even immediate family members that are not traveling with you, and provide you with a reason you might need to cancel or interrupt your trip. Plus, even after departure, there are important coverages included such as reimbursement for expenses caused by trip delays and baggage delays. And of course, having coverage that pays for unexpected medical expenses, most notably pricey evacuation expenses, is critical.

Did you know that the Package Protection Plan can reimburse covered expenses if:

You become ill and can't travel.
Someone in your immediate family has an illness or injury and you must cancel or interrupt your trip, even if he or she is not scheduled to travel with you.
You must cancel your vacation plans for a work related reason.
The wedding is off and you are no longer going on the honeymoon.
Your house becomes uninhabitable due to a hurricane.
An immediate family member back home passes away and you must return from your vacation early.
You twist your ankle and must visit a doctor while traveling.
Many other unforeseeable events as listed in the Description of Coverage.

What does the Package Protection Plan cover?

The Package Protection Plan includes coverage before and during your trip for the following:

Part I: Trip Cancellation Waiver

Expedia provides a Trip Cancellation Waiver that lets you cancel your trip for ANY REASON whatsoever. The Waiver allows passengers to cancel or change their vacation one time for ANY REASON not covered under Part II prior to the start of their trip and receive CASH back for all cancellation fees and penalties, except the cost of Published Air. If passengers have published air tickets, they can cancel their trip and receive a voucher equal to the published air ticket value. To learn more about covered cancellations, please read the information below.

Part II: Covered reasons for Cancellation and post departure coverages provided by Stonebridge Casualty Insurance Company, Columbus, OH. and administrated by BerkelyCare

Trip Cancellation and Trip Interruption

If you must cancel or interrupt your trip for a covered reason, the plan provides coverage for covered penalties and expenses up to the cost of your originally booked vacation package.

Covered reasons include illness, injury or death to you, a traveling companion or an immediate family member. Additional covered reasons for cancellation include jury duty, the issuance of a subpoena for court or administrative hearing, job loss, unannounced strike, loss or theft of your passports, having a home made uninhabitable by a natural disaster, hijacking, quarantine and being involved in a documented traffic accident en route to departure.

If you should miss the departure of your vacation due to Common Carrier caused delays or other reasons including a quarantine; hijacking; natural disaster; civil commotion or riot.; or delays caused by a traffic accident, en route to a departure, in which you or your Traveling Companion are involved, there is coverage to reimburse you up to $500 per person for costs such as accommodations, meals, and transportation expenses in order to catch up to the trip or to return home.

Emergency Evacuation/Repatriation of Remains

If an injury or illness requires emergency medical transportation to the nearest adequate medical facility, the plan includes coverage for up to $15,000 for covered transportation expenses. In the event of your death, the plan includes coverage for up to $15,000 toward the covered expenses associated with transporting your remains.

Medical Protection

If you become ill or injured while on your trip, the plan includes coverage to reimburse you to $10,000 in covered medical expenses. Medical coverage while traveling overseas is particularly important as Medicare and some HMO's may not cover medical expenses incurred outside the U.S. Note that medical coverage is excess to any other insurance you may have for these expenses.

Baggage Protection

If your baggage and/or personal effects should become lost, stolen or damaged during or while in transit to or from your trip, the plan includes coverage to reimburse you up to $1,000. The plan also includes baggage delay coverage, for up to $500 for the purchase of necessary items in the event your luggage is delayed by a common carrier for more than 24 hours during your trip. Note that baggage coverage is excess to any other insurance you may have for these expenses.

24-Hour Worldwide Emergency Assistance

24-hour emergency telephone assistance hotline provided by On Call International to help with travel-related emergencies ranging from cash transfer, legal, dental, or medical referral, lost travel documents assistance as well as medical consultation and monitoring.

Will my current home, renters, credit card, or health insurance policies cover me during my vacation?

The Package Protection Plan has a wide range of travel benefits which credit card, and renters insurance policies often do not offer. Other insurance policies may not offer coverage while you travel due to benefit limits, territory restrictions, and deductibles. Most people don't have any insurance coverage at all if they must cancel their trip, and even if they do, reimbursement for cancellations due to any reason is rare. However, you should review your own policies carefully to see what is covered.

Homeowners and renters plans may offer coverage for lost possessions. However, these plans may not fully cover your loss fully due to high deductibles.

The medical coverage included in the Package Protection Plan may be valuable for people whose health insurance policies do not pay for covered medical expenses incurred outside of the United States (e.g., Medicare, certain HMOs, etc.). Even if it your insurance does, you may not be covered for the full amount due to deductibles and co-insurance. Plus, many plans do not pay for evacuations, which can be very expensive. Of course, having your own medical coverage does not insure you against cancellation.

Many credit cards have only limited coverage and assistance service, with only a few including coverage to reimburse in the event of a cancellation or an evacuation. Check your credit card documentation carefully.

Is there help while I'm traveling?

One of the valued benefits offered in The Package Protection Plan is the 24-Hour Emergency Assistance Service. On Call International is a leader in this field. With On Call International, you have around the clock access to the services of a highly trained, multi-lingual staff who can assist you with such emergencies as cash transfers, lost documents, medical or legal monitoring, or referrals. They are also equipped to respond to many unexpected circumstances, such as providing potentially costly air ambulance transportation in medical emergencies. If an emergency should arise during your trip, call On Call International immediately and give the details of your problem or medical emergency.

Seeking pre-trip advice such as immunization and visa requirements.
If you leave your prescriptions at home and need help finding a local pharmacy and having your prescriptions called in.
If you lose your passport and need assistance in finding the nearest passport office or embassy and getting the correct paperwork.
If your wallet is stolen and you need help filing the proper police reports and getting money wired to you from home accounts.
Finding a local doctor, hospital or, for severe medical emergencies, arranging a medical evacuation.

Who can I contact for more information?

You may contact BerkelyCare, the plan administrator, with any questions regarding the Package Protection Plan. Their CustomerCare representatives will be happy to assist you.

Via email: [email protected] Via phone: 1-800-453-4079 or 516-342-2720 Via mail: BerkelyCare P.O. Box 9022 300 Jericho Quadrangle Jericho, NY 11753 Office Hours: 8AM-10PM (EST), Monday-Friday, 9AM-5PM (EST), Saturday

This program was designed and administered for Expedia, Inc.’s clients by BerkelyCare SM

IN CALIFORNIA: BerkelyCare SM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelyCare SM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

When is payment for the plan due?

Payment for the plan is due with your initial trip payment.

How do I enroll in the Package Protection Plan?

The option to enroll is presented to you while booking your vacation package. If you would like to purchase the Package Protection Plan, simply select it and the cost of the plan is automatically included in the total amount due for your trip. Simply pay the amount indicated to purchase the plan.

When does coverage go into effect and will it cover me for the entire length of my vacation?

The Trip Cancellation coverage takes effect upon receipt of the required plan cost by Expedia. All other benefits will take effect at 12:01 A.M. on your scheduled departure date and location. Your coverage will remain valid until 11:59 P.M. on your scheduled completion date or your return to your origination point as stated on your tickets, whichever is earlier.

I am not a U.S. or Canadian resident; can I purchase the plan?

The Package Protection Plan is available only to U.S. residents and non-U.S. residents traveling to the U.S. who book their travel arrangements with Expedia.

What happens if I need to cancel my vacation?

Please contact Expedia and BerkelyCare as soon as possible in the event of a claim, as the insurer will not reimburse you for any additional charges incurred due to a delay in notifying Expedia of your cancellation. BerkelyCare will then forward you the appropriate claim form in order to file a claim.

What happens if my traveling companion cancels his/her vacation but I still want to travel?

If a person booked to share accommodations with you cancels for a covered reason under the Package Protection Plan and you must pay a "change in occupancy" fee (or single supplement charge), the plan includes coverage for this expense.

What happens if my flight is delayed or cancelled?

the cost of a one-way economy ticket (less any refunds paid or payable for your original tickets) to catch up to your vacation or to return home.
the cost of any unused prepaid land or sea arrangements; and/or;
the cost of additional reasonable accommodations and travel expenses

Other covered reasons coverage include: traffic accident en route to a departure in which you or your traveling companion is not directly involved; lost or stolen passports; travel documents; or money; quarantine; hijacking; natural disaster, civil commotion or riot.

How do I get reimbursement if my bags and/or personal items are damaged/stolen/lost while I am traveling?

First, obtain verification from the appropriate authority to whom you reported the loss (for example, airline, hotel, transportation official, police, etc.). The baggage coverage in the plan includes reimbursement for the cost of repair or replacement of the luggage and covered contents inside the luggage. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079.

If I require medical care while on my vacation, are my medical bills covered?

Yes, for covered expenses. The insurer reimburses up to $5,000 for a covered accident and up to $5,000 for a covered illness that occurs during your trip. In order to be reimbursed, save any receipts and statements from the treating physician. Upon your return home, simply request a claim form by visiting www.travelclaim.com or calling BerkelyCare at 1-800-453-4079. You will be asked to forward copies of your medical bills, as well as any explanation of benefit forms you may receive from your regular health insurer in regard to this loss, as the medical coverage in this plan is excess to any other insurance you may have for these expenses.

Please also note that should you require follow up care for your illness or injury once you return home, the plan includes continued medical coverage for up to 52 weeks from the onset of the illness or injury, or until you have exhausted the coverage limit. In the event of a medical emergency while traveling, the plan also includes emergency assistance services through On Call International. Should your medical condition necessitate your medical evacuation to another facility or home, these arrangements are made by On Call International

How do I file a claim?

You may request a claim form online via www.travelclaim.com or alternatively, call BerkelyCare, the plan administrator, at 1-800-453-4079 from 8:00 AM to 10:00 PM EST Mon-Fri or 9:00 AM to 5:00 PM EST Sat. Please note that you may want to have a copy of your Expedia invoice handy as there are some details that will be needed in order to initiate your claim. This information includes your travel dates, date of cancellation, booking number, and some brief information regarding your reason for cancellation, or other type of loss (i.e., trip delays, baggage loss or delay, medical claims, etc.). Important: If you are canceling your vacation, be sure to also contact Expedia to notify them of the cancellation, as well as to avoid additional expenses due to late reporting. For covered emergencies during your trip which require evacuation, interruption, or other travel-related emergencies, call On Call International at the telephone number provided with your travel documents and provide them with your plan number and emergency details.

Who is considered an "Immediate Family" member under the plan?

Our definition of "Immediate Family" is quite broad. It's not just the family members who reside with you. "Immediate Family" includes: spouses, domestic partners, parents, grandparents, siblings, siblings-in-law, children, grandchildren, aunts, uncles, nieces, nephews, and business partners. See the Definitions section of the Description of Coverage for a full listing.

Are there exclusions?

Certain restrictions do apply. For example, the coverage in the plan does not provide duplicate payments if there are other sources of reimbursement available.

Is there a Pre-Existing Condition Exclusion?

The Package Protection Plan does not have a pre-existing condition exclusion.

Contact Information

This program was designed and administered for Expedia, Inc.’s clients by BerkelySM:

IN CALIFORNIA: BerkelySM is a service mark of Aon Direct Insurance Administrators, CA Insurance License # 0795465.

IN ALL OTHER STATES: BerkelySM is a division of Affinity Insurance Services, Inc. in all states other than CA, except: AIS Affinity Insurance Agency, Inc. in MN and OK and AIS Affinity Insurance Agency in NY.

This plan is underwritten by: Stonebridge Casualty Insurance Company. Please see Terms and Conditions for full details include plan terms, conditions and exclusions.

Protect Your Trip »

Does your health insurance plan cover you while abroad.

A primer on figuring out if you're covered and advice on investing in supplemental insurance.

Does Health Insurance Cover You Abroad?

Passport, maps, money, boarding pass etc

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First, determine if your plan covers emergency care abroad. Then decide if buying supplemental coverage is a smart decision based on factors like your itinerary and any pre-existing health conditions.

Picture this: You're traveling overseas and you come down with a fever. You don't speak the native language and you're uncertain if your health plan covers medical care, like a visit to a doctor or hospital, abroad.

While this is probably the last scenario you want to consider while planning your trip, medical emergencies happen. But here's the silver lining: You can easily find out what your insurance will cover while traveling abroad by asking your provider a few key questions. To determine what coverage you have, and what you'll need when traveling overseas, begin by asking these five questions.

1. What does my health plan cover overseas?

The level of medical coverage available for international travel can vary widely, depending on your domestic health care provider and plan. The State Department advises contacting your insurance company prior to your trip and inquiring about the specific medical services overseas that are included in your coverage.

The Centers for Disease Control and Prevention also encourages travelers to ask what's excluded from their policy, such as risky activities. And depending on what is available to you, the CDC advises considering a supplemental policy. The State Department also recommends inquiring about specifics such as whether the plan includes coverage for emergency evacuations to the U.S. and pre-existing medical conditions. You should also familiarize yourself with any out-of-pocket costs that you may encounter for medical procedures or services overseas.

[ Compare travel insurance plans and get a quote .]

2. What if I have Medicare?

Keep in mind that Medicare does not cover emergency medical service for travelers out of the country. There are some Medigap plans that can offer supplemental coverage but remember that there is a lifetime cap of $50,000 for foreign travel emergency coverage.

3. What about emergency medical evacuations?

Few domestic health insurance providers will pay to transport ill patients back to the United States. And emergency evacuations can be expensive, costing more than $100,000, depending on your health condition and where you're located at the time the emergency takes place. If you're visiting a place that's isolated or where the quality of health care is subpar, do a cost-benefit analysis of investing in a supplemental evacuation insurance plan.

4. Should I buy travel medical insurance for my next vacation?

It's a smart idea to consider investing in travel insurance . But before you make a final decision, you'll want to evaluate a variety of factors, including the type of trip you're planning and if you'll be taking part in risky activities, such as scuba diving or mountain climbing during your trip. According to the CDC, there are three types of insurance travelers should consider while traveling: trip cancellation insurance, travel health insurance and medical evacuation insurance.

And according to a report released by InsureMyTrip, a travel insurance comparison and booking site, 75 percent of the site's consumers pick comprehensive travel insurance plans, which typically include emergency medical coverage, emergency medical evacuation coverage, trip cancellation coverage, trip interruption coverage and baggage coverage.

Another important reason to consider purchasing travel health insurance is that travel health insurance can help fill any gaps in domestic health insurance coverage. Plus, travel health insurance can provide 24/7 emergency assistance to help aid you in the event of a medical emergency. A licensed travel insurance agent can provide advice on appropriate coverage limits and how to qualify for coverage for pre-existing medical conditions.

5. What if I have to file a claim?

A claim is typically required in order to request reimbursement for medical bills. Most providers will require all hospital records (usually translated if in a non-English language) and receipts in order to evaluate the validity of the claim.

Travelers are encouraged to enroll in the Smart Traveler Enrollment Program (STEP) prior to international travel. Doing so will notify the nearest U.S. Embassy or Consulate of your travel plans. The local embassy can also help connect American travelers with a local medical facility.

Tags: Travel , health insurance , Travel Tips

About En Route

Practical advice on the art of traveling smarter with tips, tricks and intel from En Route's panel of experts.

Contributors have experience in areas ranging from family travel, adventure travel, experiential travel and budget travel to hotels, cruises and travel rewards and include Amy Whitley , Claire Volkman , Holly Johnson , Marsha Dubrow , Lyn Mettler , Sery Kim , Kyle McCarthy , Erica Lamberg , Jess Moss , Sheryl Nance-Nash , Sherry Laskin , Katie Jackson , Erin Gifford , Roger Sands , Steve Larese , Gwen Pratesi , Erin Block , Dave Parfitt , Kacey Mya , Kimberly Wilson , Susan Portnoy , Donna Tabbert Long and Kitty Bean Yancey .

Edited by Liz Weiss .

If you make a purchase from our site, we may earn a commission. This does not affect the quality or independence of our editorial content.

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Key benefits of travel medical insurance

Travel medical insurance coverage
Who needs medical travel insurance?

Choosing the right travel medical insurance

How to use travel medical insurance, is travel medical insurance right for your next trip, travel medical insurance: essential coverage for health and safety abroad.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel medical insurance covers unexpected emergency medical expenses while traveling.
Travelers off to foreign countries or remote areas should strongly consider travel medical insurance.
If you have to use your travel medical insurance, keep all documents related to your treatment.

Of all the delights associated with travel to far-flung locales, getting sick or injured while away from home is low on the savvy traveler's list. Beyond gut-wrenching anxiety, seeking medical treatment in a foreign country can be exceedingly inconvenient and expensive.

The peace of mind that comes with travel insurance for the many things that could ail you while abroad is priceless. As options for travel-related insurance abound, it's essential to research, read the fine print, and act according to the specifics of your itinerary, pocketbook, and other needs.

Travel insurance reimburses you for any unexpected medical expenses incurred while traveling. On domestic trips, travel medical insurance usually take a backseat to your health insurance. However, when traveling to a foreign country, where your primary health insurance can't cover you, travel medical insurance takes the wheel. This can be especially helpful in countries with high medical care costs, such as Scandinavian countries.

Emergency medical evacuation insurance

Another benefit that often comes with travel medical insurance, emergency medical evacuation insurance covers you for any costs to transport you to an adequately equipped medical center. Emergency medical evacuation insurance is often paired with repatriation insurance, which covers costs associated with returning your remains to your home country if the worst happens.

These benefits are for worst-case scenarios, but they might be more necessary depending on the type of trips you take. Emergency medical evacuation insurance is helpful if you're planning on traveling to a remote location or if you're traveling on a cruise as sea to land evacuations can be costly. Some of the best travel insurance companies also offer non-medical evacuations as part of an adventure sports insurance package.

It's also worth mentioning that emergency medical evacuation insurance is required for international students studying in the US on a J Visa.

Types of coverage offered by travel medical insurance

The exact terms of your coverage will vary depending on your insurer, but you can expect most travel medical insurance policies to offer the following coverages.

Hospital room and board
Inpatient/outpatient hospital services
Prescription Drugs
COVID-19 treatment
Emergency room services
Urgent care visits
Local ambulance
Acute onset of pre-existing conditions
Dental coverage (accident/sudden relief of pain)
Medical care due to terrorist attack
Emergency medical evacuation
Repatriation of mortal remains
Accidental death and dismemberment

Travel medical insurance and pre-existing conditions

Many travel insurance providers will cover pre-existing conditions as long as certain conditions are met. For one, travelers need to purchase their travel insurance within a certain time frame from when they placed a deposit on their trip, usually two to three weeks.

Additionally, travel insurance companies usually only cover stable medical conditions, which are conditions that don't need additional medical treatment, diagnosis, or medications.

Who needs travel medical insurance?

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Even if well-managed, preexisting conditions like diabetes or asthma can make a medical backup plan even more vital.

Having what you need to refill prescriptions or get other care if you get stuck somewhere other than home could be essential to your health and well-being. That's without counting all the accidents and illnesses that can hit us when away from home.

Individuals traveling for extended periods (more than six months) or engaging in high-risk activities (think scuba diving or parasailing) should also consider a solid medical travel plan. Both scenarios increase the likelihood that medical attention, whether routine or emergency, could be needed.

In the case of travel via the friendly seas, it's also worth considering cruise trip medical travel insurance . Routine care will be available onboard. But anything beyond that will require transportation to the nearest land mass (and could quickly become extremely expensive, especially if you're in another country).

Like other types of insurance, medical travel insurance rates are calculated based on various factors. Failing to disclose a preexisting health condition could result in a lapse of coverage right when you need it, as insurers can cancel your policy if you withhold material information. So honesty is always the best policy.

Even the best-laid travel plans can go awry. As such, it pays to consider your potential healthcare needs before taking off, even if you are generally healthy. Making the right choice when shopping for travel medical insurance can mean the difference between a minor hiccup in your travels and a financial nightmare.

When a travel insurance company comes up with a quote for your policy, they take a few factors into consideration, such as your age, your destination, and the duration of your trip. You should do the same when assessing a travel insurance company.

For example, older travelers who are more susceptible to injury may benefit from travel medical insurance (though your premiums will be higher). If you're traveling for extended periods throughout one calendar year, you should look into an annual travel medical insurance plan . If you're engaging in high-risk activities (think scuba diving or parasailing), you should seek a plan that includes coverage for injuries sustained in adventure sports.

Travel medical insurance isn't just for peace of mind. If you travel often enough, there's a good chance you'll eventually experience an incident where medical treatment is necessary.

Before you submit your claim, you should take some time to understand your policy. Your travel medical insurance is either primary (you can submit claims directly to your travel medical insurance provider) or secondary (you must first submit claims to your primary insurance provider). In the case of secondary travel medical insurance, a refusal notice from your primary insurance provider, even if it does not cover medical claims outside the US, is often required as evidence of protocol.

On that note, you should be sure to document every step of your medical treatment. You should keep any receipts for filled prescriptions, hospital bills, and anything else documenting your medical emergency.

As many people have found out the hard way, reading the fine print is vital. Most travel insurance policies will reimburse your prepaid, nonrefundable expenses if you fall ill with a severe condition, including illnesses like COVID-19.

Still on the fence about whether or not medical travel insurance is worth it ? It's worth noting that many travel insurance plans also include medical protections, so you can also protect against trip cancellations and other unexpected developments while obtaining travel medical insurance.

While short, domestic trips may not warrant travel medical insurance, it may be a good idea to insure longer, international trips. You should also consider travel medical insurance for trips to remote areas, where a medical evacuation may be expensive, and more physically tasking trips.

While shopping for travel medical insurance may not be fun, a little advance leg work can let you relax on your trip and give you peace of mind. After all, that is the point of a vacation.

Medical travel insurance frequently asked questions

Trip insurance covers any unexpected financial losses while traveling, such as the cost of replacing lost luggage, trip interruptions, and unexpected medical expenses. Travel medical insurance just covers those medical expenses without the trip interruption or cancellation insurance.

Travel insurance companies usually offer adventure sports as add-on coverage or a separate plan entirely. You'll likely pay more for a policy with adventure sports coverage.

Many travel medical insurance policies now include coverage for COVID-19 related medical expenses and treat it like any other illness. However, you should double-check your policy to ensure that is the case.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best International Travel Insurance Companies for 2024

Allianz Travel Insurance »

AIG Travel Guard »

Generali Global Assistance »

World Nomads Travel Insurance »

GeoBlue »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best International Travel Insurance Companies.

Table of Contents

Allianz Travel Insurance
AIG Travel Guard

With demand for international travel still on the rise, buying travel insurance makes more sense now than ever before. Having an international travel policy in place will ensure you won't lose the money you spent if your trip is canceled or interrupted for reasons beyond your control – or if your bags are delayed or lost entirely by your airline or cruise line .

Other protective benefits come from the best international travel insurance policies as well, including travel medical coverage for unexpected medical expenses and emergency medical evacuation. You may even find that the destination you plan to visit requires travel insurance, although most countries have dropped travel insurance requirements they initially put in place due to the pandemic.

U.S. News editors compared more than 20 of the top providers to find the best travel insurance companies for trips around the world. If you're hoping to secure the best international travel policy for your needs this year, the policies outlined below provide a solid foundation for you to start your research.

Frequently Asked Questions

While many countries began mandating travel insurance for visitors during the COVID-19 pandemic, most have loosened entry requirements and dropped this condition by now. Countries that still require international visitors to have travel insurance include the following:

Antarctica: Travel medical insurance is generally required by cruise lines and tour operators for trips to Antarctica , with a standard minimum of $100,000 in emergency medical and evacuation coverage.
Ecuador: You do not need travel insurance to visit the country of Ecuador, but you do need insurance with medical coverage to visit the Galápagos Islands .
Qatar: Travelers visiting Qatar for more than 30 days are required to have a travel insurance policy that is approved by the country's Ministry of Public Health.
Saudi Arabia: Visitors to Saudi Arabia from eligible countries must pay for an eVisa, and the cost includes compulsory travel insurance coverage.

International travel insurance works the same as travel insurance for domestic trips. These plans include various coverage options and coverage limits, and a deductible may or may not apply. Travelers can choose to purchase international travel insurance for a single trip or multiple trips; long-term plans for expats and missionaries are available from some providers.

While travel insurance policies can include a broad range of coverages, the main protections you'll want for international trips include the following:

Trip cancellation and interruption coverage: This type of protection can reimburse you for prepaid travel expenses when a trip is canceled or interrupted for a covered reason beyond your control.
Baggage delay insurance: This coverage can pay for incidental expenses that occur when your bags are delayed for a specific period of time (usually six hours or longer).
Lost luggage coverage: This protection can replace your luggage and your belongings or reimburse you for costs if your bags are lost by a common carrier.
Rental car insurance: This type of insurance may provide primary coverage when you rent an eligible rental car.
Emergency medical and dental coverage: This type of insurance will pay for emergency medical treatment or dental expenses that may arise during your trip.
Emergency evacuation coverage: This protection can pay for emergency transportation costs when you're sick or injured during your trip.

Also note that many travelers booking an international trip choose to purchase travel insurance that offers cancel for any reason protection, so they can cancel a trip for any reason at all, even if they just decide they don't want to go. That said, adding CFAR coverage to your policy will make your travel insurance plan more expensive. Most plans also have limits on how much of your prepaid travel expenses can be refunded, which are usually capped between 60% to 80% of your trip costs.

While coverages offered through international travel insurance plans tend to be broad, keep in mind that this type of insurance won't cover every situation that could arise. Some common issues that are not covered by international travel insurance plans include:

Acts of war
Claims due to air or water pollution
Claims due to natural disasters
Epidemics not specifically included in coverage
Extreme, high-risk sports
Government regulations or proclamations
Nuclear radiation and contamination
Terrorist events
Travel bulletins or alerts

Many travel credit cards offer international travel insurance benefits, but you should know that these coverages have some limitations. For example, travel insurance plans from credit cards never provide meaningful amounts of coverage for medical emergencies or dental emergencies. You also have to pay for each trip with your travel credit card for coverage to apply.

The best international health insurance plan depends on factors like the length of your trip, where you're traveling and how much coverage you need. While you can take the time to get quotes from several different companies, websites like TravelInsurance.com and Squaremouth make it easy to compare coverage details, limits and pricing among several providers all in one place.

The cost of international travel insurance varies and can depend on your age, the length of your trip, your total trip cost and other factors. Consider getting multiple travel insurance quotes through TravelInsurance.com to get an idea of the cost of coverage for your upcoming travel plans.

Allianz Travel Insurance: Best Overall
AIG Travel Guard: Best for the Cost
Generali Global Assistance: Best for Medical
World Nomads Travel Insurance: Best for Active Travelers
GeoBlue: Best for Expats

Buy coverage for single trips or multiple trips at once

Annual plans available

Lower coverage amounts for emergency medical expenses than some other plans

Trip cancellation coverage up to $100,000
Trip interruption coverage up to $150,000
Emergency medical coverage up to $50,000
Emergency medical transportation coverage up to $500,000
Trip change protector coverage worth up to $500
Baggage loss and damage coverage up to $1,000
Baggage delay coverage up to $300 (12-hour delay required)
Travel delay coverage up to $800 ($200 per day)

Add-on coverage available for lodging expenses, preexisting medical conditions and rental cars

Optional CFAR coverage available with some plans

Coverage limits for its lowest-tier Essential plan may be insufficient for some trips

Add-on coverage for preexisting conditions must be purchased within 15 days of the initial trip payment

Trip cancellation coverage worth up to 100% of the trip cost
Trip interruption coverage worth up to 100% of the trip cost
Baggage coverage worth up to $750
Up to $200 in coverage for baggage delays
Travel medical expense coverage worth up to $15,000
Up to $150,000 in coverage for emergency medical evacuation

Choose medical coverage limits based on your needs

Generous limits for emergency medical expenses and medical evacuation across all plans

CFAR coverage must be purchased within 24 hours of initial trip deposit and is only available with Premium plan

Rental car coverage only included in top-tier Premium plan

Trip cancellation coverage up to 100% of the trip cost
Trip interruption coverage up to 175% of the trip cost
Travel delay coverage up to $1,000 per traveler ($300 daily limit)
Up to $2,000 per person in baggage protection
Up to $2,000 in coverage for sporting equipment
Up to $500 per person for baggage delays
Up to $500 per person for sporting equipment delays
Up to $1,000 per person in protection for missed connections
Up to $250,000 per person in coverage for emergency medical and dental procedures
Up to $1 million in coverage for emergency assistance and transportation
Up to $25,000 per person in rental car coverage
Up to $100,000 per plan in accidental death and dismemberment coverage

24-hour travel assistance services included

More than 200 sports and activities covered in every plan

Coverage limits within standard plans may be insufficient

No coverage for most preexisting conditions

Up to $10,000 in coverage for trip cancellation
Up to $100,000 in coverage for emergency medical expenses
Up to $500,000 in protection for emergency medical evacuation
Up to $3,000 in protection for damage or theft to your bags or gear

Purchase international travel medical insurance for individual trips, multiple trips or long-term travel

Coverage is mostly for emergency medical expenses abroad

Some plans require a primary U.S. health insurance plan

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has covered travel and travel insurance for more than a decade. Johnson has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. On a personal level, her family uses an annual travel insurance policy from Allianz. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

9 Best Travel Insurance Companies of April 2024

Holly Johnson

Find the best travel insurance for you with these U.S. News ratings.

Travel Insurance for Europe: 4 Best Options for 2024

Learn about a range of coverage options for traveling abroad.

The Best Travel Insurance for Mexico in 2024

Find coverage options for medical emergencies, travel delays, lost baggage and more.

Does My Health Insurance Cover International Travel?

Private health insurance typically doesn't cover international travel expenses.

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AARP Medicare Part D from UnitedHealthcare 2024 Review

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

AARP/UnitedHealthcare

CMS Star Rating Average Medicare star rating, weighted by enrollment. Star ratings are determined by the Centers for Medicare & Medicaid Services (CMS).

AARP/UnitedHealthcare Medicare Part D plans are widely available and get average quality ratings from CMS. Premiums can get expensive, however, and ratings for helping members with their medications aren't as strong.

M-F 9am-9pm ET, Sa 10am-9pm ET

Speak to a licensed insurance agent on askchapter.org

from askchapter.org

Out-of-pocket costs Based on how frequent and how high a company's copays, coinsurance and deductibles are in comparison to other insurance companies.

Member experience The average of CMS' star ratings for quality measures in the domain "Member Experience with the Drug Plan," weighted by contract enrollment.

2.94 (Average)

Available everywhere in the U.S. and in several U.S. territories.
Few complaints and few members choosing to leave.
Copays rather than coinsurance for Tier 1-3 drugs in most plans.
Competitors often offer cheaper plans.
Below-average ratings for helping members fill and manage prescriptions.
$0-copay options available only with the most expensive plan.

AARP Medicare Part D prescription drug plans are insured by UnitedHealthcare [0] AARP . Medicare Part D Prescription Drug Plans . Accessed Mar 26, 2024. View all sources . About 3.8 million Medicare beneficiaries have AARP Medicare Rx Part D plans from UnitedHealthcare as of March 2024 [0] Centers for Medicare & Medicaid Services . PDP Plan Directory . Accessed Mar 26, 2024. View all sources .

AARP Medicare Rx prescription drug plans are widely available and get solid ratings for quality from the Centers for Medicare & Medicaid Services [0] NerdWallet analysis of CMS Data . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Mar 26, 2024. View all sources . The plans' premiums can get expensive, however. And their ratings for helping members get and take their medications are below average.

Here’s what you should know about AARP Medicare Part D prescription drug plans from UnitedHealthcare.

AARP Medicare Part D pros and cons

Medicare prescription drug plans from AARP and UnitedHealthcare have advantages and disadvantages.

Availability: You can get an AARP Part D plan from UnitedHealthcare everywhere in the U.S. and in several U.S. territories.

Copays vs. coinsurance: You'll pay copays rather than coinsurance for drugs on Tiers 1-3 in most AARP Medicare Rx plans.

Member satisfaction: AARP Medicare Part D plans had few complaints and small numbers of members choosing to leave the plans.

Premiums: Other companies often offer lower prices, and the Medicare Rx Walgreens plan is much more expensive in 2024.

Medication management: AARP Medicare Rx plans get below-average ratings for helping members fill their prescriptions and manage their drugs.

$0-copay options: Only the most expensive AARP Medicare Rx plan has any $0-copay options.

AARP and UnitedHealthcare Medicare Part D star ratings

Average Part D star rating, weighted by enrollment: 3.28 stars

The Centers for Medicare & Medicaid Services (CMS) rates Medicare Part D plans on 12 quality measures [0] Centers for Medicare & Medicaid Services . Medicare 2024 Part C & D Star Ratings Technical Notes . Accessed Mar 26, 2024. View all sources . (You can find definitions for each of these factors in the CMS Star Ratings Technical Notes .)

These ratings use a 5-point scale, where 5 is the best and 1 is the worst. The agency bases its ratings on drug plans’ quality of service and customer experiences, and ratings are updated annually [0] Centers for Medicare & Medicaid Services . Fact Sheet - 2024 Medicare Advantage and Part D Star Ratings . Accessed Mar 26, 2024. View all sources .

Based on the most recent year of data, stand-alone AARP Medicare Part D plans from UnitedHealthcare get an average of 3.28 stars, weighted by enrollment [0] NerdWallet analysis of CMS data . 2024 Star Ratings Data Tables (Oct 13 2023) (ZIP) . Accessed Mar 26, 2024. View all sources . The average for all stand-alone Medicare Part D plans from all providers, weighted by enrollment, was 3.15 stars as of March 2024.

» MORE: Medicare star ratings: How they can help you choose a plan

AARP Medicare Part D prescription drug plans

Medicare beneficiaries with Original Medicare ( Part A and/or Part B ) can purchase a Medicare Part D plan for prescription drug coverage. Part D plans are sold by private insurance companies. The costs and coverage can vary significantly, so it’s important to compare options.

There are four AARP Medicare Rx Part D prescription drug plan options available from UnitedHealthcare in 2024, but in any given location, you'll be able to choose between up to three options (never all four) [0] UnitedHealthcare . Compare Medicare Prescription Drug (Part D) Plans . Accessed Mar 26, 2024. View all sources .

Two plans are available nationally:

AARP Medicare Rx Walgreens from UHC. According to AARP and UnitedHealthcare, this plan is a good fit if you fill your prescriptions primary at Walgreens.

AARP Medicare Rx Preferred from UHC. According to AARP and UnitedHealthcare, this plan is a good fit if you “want our most extensive drug coverage and access to a broad pharmacy network.”

The other two plans serve different sets of states:

AARP Medicare Rx Saver from UHC. Available in 20 states and Washington, D.C.

AARP Medicare Rx Basic from UHC. Available in 30 states.

According to AARP and UnitedHealthcare, the Basic and Saver plans are best for people who receive Extra Help , a subsidy that helps Medicare beneficiaries with limited income afford their prescription drugs. Those plans replace last year's AARP Medicare Rx Saver Plus plan, which had been available in all states.

AARP Medicare Part D cost

Aarp and unitedhealthcare medicare part d premiums and deductibles.

Average premiums for the Walgreens plan have gone up significantly since 2023, and the deductible has gone up to meet 2024’s maximum that plans are allowed to charge.

Average premiums for the Preferred plan have gone down slightly since 2023, and it still has a $0 deductible in most locations, but the deductible in U.S. territories has gone up.

(The Basic and Saver plans are new this year.)

Here are the 2024 premiums and deductibles for AARP’s stand-alone Medicare Part D prescription drug plans [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources :

» If you're concerned about affording Medicare Part D, look into Medicare Extra Help.

$0-deductible options

Some AARP Medicare Part D plans waive the deductible for drugs on certain formulary tiers:

AARP Medicare Rx Walgreens from UHC: $0 deductible for Tier 1 (preferred generic) drugs. The deductible is $410 for Tier 2-5 drugs [0] UnitedHealthcare . AARP Medicare Rx Walgreens from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

AARP Medicare Rx Preferred from UHC: $0 deductible for all drugs in U.S. states and Washington, D.C. This plan has a deductible of $545 in American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands [0] UnitedHealthcare . AARP Medicare Rx Preferred from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

The $545 deductible applies to drugs on all tiers for both the Medicare Rx Basic [0] UnitedHealthcare . AARP Medicare Rx Basic from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources and Saver plans [0] UnitedHealthcare . AARP Medicare Rx Saver from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources .

$0-copay options

AARP Medicare Part D plans have relatively few $0-copay options in 2024.

The Medicare Rx Preferred plan has $0 copays for a 90-day supply of drugs on Tiers 1-2 when obtained from a preferred mail-order pharmacy [0] UnitedHealthcare . AARP Medicare Rx Preferred from UHC (PDP) Summary of Benefits 2024 . Accessed Mar 26, 2024. View all sources . Drugs from in-person pharmacies, non-preferred pharmacies or on higher tiers all have coinsurance or copay requirements.

There are no $0-copay tiers for the Medicare Rx Walgreens, Basic or Saver plans.

Copay vs. coinsurance requirements

You’ll want to check whether you’ll pay a copay or coinsurance for your medications. Copays are set dollar amounts, so it’s easy to see what you’ll pay. Coinsurance is a percentage of the price for your medications, so coinsurance requirements can be less predictable and more expensive.

For 2024, AARP Medicare Rx plans start requiring coinsurance rather than copays at Tier 3 or Tier 4, depending on the plan. The Walgreens, Preferred and Saver plans have copays for Tiers 1-3 and coinsurance for Tiers 4-5. The Basic plan is different. It has copays for Tiers 1-2 and coinsurance for Tiers 3-5.

You can enter your medications and pharmacy information on UnitedHealthcare’s website to see which drugs are covered and review your estimated costs with different plan options.

» MORE: How much does Medicare Part D cost?

AARP Medicare Part D service area

Stand-alone AARP Medicare Part D prescription drug plans are available from UnitedHealthcare in all 50 states, Washington, D.C., and five U.S. territories: American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands [0] Centers for Medicare & Medicaid Services . CY2024_Landscape_Files_Final_20240314 (ZIP) . Accessed Mar 26, 2024. View all sources .

All U.S. states and Washington, D.C., have three AARP Medicare Rx plan choices: the Preferred plan, the Walgreens plan, and either the Basic or the Saver plan (but not both). Only the AARP Medicare Rx Preferred plan is available in the U.S. territories.

AARP is a nonprofit interest group and advocacy organization. It advocates for local, state and national policies on behalf of older Americans. AARP members can access benefits through the organization, including discounts on products and services.

About UnitedHealthcare

UnitedHealthcare is part of UnitedHealth Group, which is headquartered in Minnetonka, Minnesota. It's the largest health insurance company in the U.S. The company offers individual- and employer-based health insurance plans, Medicare and Medicaid plans, dental and vision plans, and other types of supplemental insurance.

Read the NerdWallet reviews of these other UnitedHealthcare and AARP Medicare offerings:

AARP/UnitedHealthcare Medicare Supplement Insurance (Medigap) .

UnitedHealthcare Medicare Advantage .

AARP Medicare Advantage .

Compare Medicare Part D companies

Get more information below about some of the major Medicare Part D companies. These insurers offer plans in most states, but specifics may vary depending on your location.

AARP Medicare Part D from UnitedHealthcare .

Aetna Medicare Part D .

Cigna Medicare Part D .

Humana Medicare Part D .

Mutual of Omaha Medicare Part D .

Wellcare Medicare Part D.

Find the right Medicare Part D prescription drug plan

The interactive tool on Medicare.gov can help you find a Medicare Part D plan that covers your prescriptions. It also helps you compare costs among Medicare Part D and Medicare Advantage plans available to you.

Here are some things to keep in mind when comparing plans:

Check the formulary: You’ll want to make sure the medicines you currently take and, importantly, any you think you might need in the future, are covered under each of the plans you’re considering. Talk to your health care providers about what brand-name and generic medicines to look for and any alternatives that may also work in case you can’t find your current medicines on the plans available in your area.

Look for plan changes: Formularies change frequently. Your insurer should send you a Notice of Plan Change when the formulary changes. Read that document carefully.

Check the pharmacy network: Most Medicare Part D plans negotiate with a network of pharmacies for the lowest cost. Check to see if your pharmacy or an equally convenient one is in the plan’s network. Also, compare prices for using mail order.

If your plan does change, and the change affects the prescription drugs you need, you can switch plans during Medicare's open enrollment period , Oct. 15 to Dec. 7. Changes go into effect on the following Jan. 1.

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Come celebrate the diversity of our IU South Bend community with amazing foods and performances at the 22nd annual International Food Festival. Tickets are $10 (cash only) and are available from the Office of International Student Services (1700 Mishawaka Ave. South Bend, IN 46615) or at the door.

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