International Travel

In partnership with

Preparing for International Travel

Entry Requirements for Israel and other countries: Countries may issue requirements for travelers to obtain medical coverage to enter their country. You may check requirements here at the: US Travel Bureau

Medicare: Benefits are not typically provided outside the U.S. Although some Medicare Advantage plans and Medigap plans might offer some international medical benefits.
Click HERE to see this helpful flyer from the Center of Medicare & Medicaid Services.

We offer two types of coverage and each plan has its own unique benefits. Pair both plans together for a full package of benefits:

  1. Travel Medical
    • High medical limits for those age 0-69.
    • Emergency Medical Evacuation that can bring you home to your local medical facility.
    • Coverage that follows you home (Continuation of Care).
  2. Trip Cancellation
    • Medical benefits that do not diminish based on age.
    • Reimbursement for lost trip costs for many situations of peril.
    • Trip Interruption benefits (while on your trip).

NOTE: Travel Medical insurance is available at a standardized flat rate of $3.37 a day, whereas Trip Cancellation insurance requires individualized quotes.
*For trips starting in June 2024, the daily rate will change to $3.55 per day.

Travel Medical

IQ Gold Plan (Including COVID-19 Coverage)

Coverage is available for ANY international travel whether it’s a vacation, cruises, business trip, educational exchange, mission, or other. Purchase travel medical coverage for any international trip.

This is not a comprehensive plan for pre-existing conditions but instead a plan for first-time medical needs that arise while traveling on that specific trip, whether a new illness or a new injury.

This plan has a flat rate of $3.37 per person, per day. It provides coverage for new accidents and new sicknesses. Highlights include:

  • $0 deductible with up to $1M in medical coverage.
  • Benefits for medical maximum amounts:
    • Ages 0-69 max limit $1,000,000
    • Ages 70-79 max limit is $100,000
    • Ages 80+ max limit is $20,000
  • Medical benefits include emergency room, out-patient, hospital room & board, ICU, and surgery.
  • COVID is covered and treated as any other travel illness including up to $3,000 in quarantine accommodation benefits to help offset unexpected hotel costs due to a doctor-ordered quarantine.
  • 12-Month continuation of care benefit that can follow you home to provide continued benefits for up to a year.
  • Emergency medical evacuation and repatriation of mortal remains.

* Please note, this plan does not have any benefits for travel delay or trip cancellation.

Trip Cancellation

This type of coverage offers cancellation, interruption and travel delay benefits as well as some travel medical.

Coverage is available for domestic & international travel whether it’s a vacation, cruises, business trip, educational exchange, mission, or other. Purchase trip cancellation coverage for any trip.

There are three plan options that will provide varying levels of medical coverage and all include benefits for cancellation and travel delay. They can help cover the cost of your non-refundable expenses if your trip is cancelled and those reasons fall within the carrier’s “Covered Peril Reasons”. 

Reasons for cancellation and interruption can include:

  • Sickness, injury, or death of you or an immediate family member

  • Medical advisory to cancel trip

  • Default of the travel provider

  • Natural disaster

  • Terrorist incident

The Pre-Existing Medical Condition exclusion will be waived if coverage is purchased within the Time Sensitive Period, within 20 days of any down payment for any trip related costs.

Cancel For Any Reason: This option allows you to cancel your coverage for any reason if cancelled no later than two days before your scheduled departure date.

If you desire to add the Cancel For Any Reason (CFAR) benefit, here are a few things to be aware of:

  • This benefit is an additional premium.
  • This purchase option is only available if purchased within 20 days of any down payment for any trip related costs.
  • This benefit is only available on the iTravel LX plan. – (See brochure below)
  • This benefit will pay for up to 75% of total insured amount.

See the full policy wording for each state here:
Lite State Policy Certificates
SE State Policy Certificates
LX State Policy Certificates

Compare our three plan levels:

All of these descriptions are only a summary of actual legal policy wording. See your actual policy for full details and exclusions.

Rates: Rated are based on age, state of residence, and trip costs. To obtain pricing, submit a quote form for trip cancellation.