Ideal for Expats, Global Citizens
Exchange Students & Scholars

  • Medical insurance for students studying abroad or participants of cultural exchange programs--plan options meet the U.S. J1 and J2 visa travel insurance requirements.
  • Comprehensive medical insurance for international students or scholars participating in a sponsored study abroad program.
  • Long-term (1+ year) comprehensive worldwide medical insurance for individuals and families
  • Worldwide group coverage for professional marine crew
  • Comprehensive, employer-sponsored group health insurance for internationally assigned employees: Life, dental and daily indemnity coverage, Full group takeover and replacement provision, COBRA and HIPAA like options, Enhanced benefit option for U.S.-based employers


Ideal for Vacationers, Relatives Visiting From Overseas, People Going on Cruises, Safaris or Guided Tours, Business Travelers

  • Travel medical insurance for individuals, families, and groups--coverage for medical expenses, evacuation, and repatriation
  • Travel medical insurance for travelers age 65+
  • Insurance that covers trip cancellation, travel delays and other losses incurred while traveling.
  • Annual multi-trip travel medical insurance for individuals, families and groups
  • Coverage for non-U.S. residents traveling to the USA--renewable up to 24 months.

Travel Insurance may provide coverage* for items such as:

  • Trip cancellation**
  • Travel delay
  • Trip interruption
  • Baggage and person effects
  • Emergency medical evacuation*
  • Accident and sickness medical expenses*

Why Do I Need Travel Medical Insurance?

Depending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Traveling unprotected can leave you vulnerable to paying high out-of-pocket medical expenses and navigating a foreign health care system without the assistance you need.

However, with a travel medical insurance plan, you can worry less and experience more knowing you have medical coverage and a trusted health advisor who can support you in your time of need.

Do I need travel insurance?

Could you afford to lose your non-refundable, pre-paid travel expenses in the case of your trip being cancelled due to an unforeseen event (ex: death of a family member)?

Are you traveling to a destination that may be affected by severe weather?

If you were to get sick or injured on the trip, would you be unable to pay out of pocket for the necessary healthcare?

If your flight is delayed or cancelled, would you seek reimbursement for the inconvenience and additional charges such as change fees?

If your luggage is lost or stolen, could you afford to replace the missing baggage or personal effects?