The basics

What is travel health insurance?

This page is designed to give you a clearer idea of what is and isn't covered by travel medical and explain the benefits of purchasing a policy online through Covered Traveler.

woman in airport

Why buy travel medical insurance?

You will find a list of benefits of why to purchase your travel medical insurance policy from our U.S. based carriers below based on where you plan to travel, either inbound to the United States or outbound from the United States.

Inbound to the U.S.

  1. The travel medical plans are accepted widely throughout the United States.
  2. The United States healthcare system can be complicated, expensive, and difficult to navigate. Your insurance provider will help you throughout the process in the event you need to use your plan.
  3. Higher satisfaction rates than companies outside of the United States.
  4. Your claims will be processed faster since the insurance companies are used to dealing with the U.S. healthcare system.
  5. Available for U.S. citizens living internationally and visiting the U.S. temporarily.

Rest of the World

  1. Your carrier will navigate the foreign healthcare system where you get your treatment. You just need to hold onto your documentation and file a claim to get reimbursed for any out of pocket expenses.
  2. Your plan will cover any lapse in coverage your existing home country plan might have (always check with your current carrier for your plan details and exclusions in international travel).
  3. There are plans that are specific to the 26 countries that make up the Schengen area in Europe, which will give you coverage across borders if you plan to visit more than one of the countries during your trip.
  4. Avoid the worry of high healthcare costs from a foreign healthcare provider
Coverage for health risks, illness, injuries and more
Available options for short-term and long-term trips
No stress of navigating a foreign healthcare system
Removes the burden of unexpected medical expenses
No paperwork or physical exams are required to purchase a policy
Coverage can start immediately after purchase

What's Covered vs. What's Not Covered

Travel medical insurance is commonly overlooked by people who are traveling abroad. This type of insurance is a short-term medical policy that covers you for health or injury emergencies when you're traveling. When you don't have coverage you are leaving yourself vulnerable to paying high out-of-pocket medical expenses and the stress of navigating a foreign health care system without any help.
New sickness or illness
Accidents or injuries
Medical evacuations
SReturn of remains in event of death
Limited dental coverage
Select plans have COVID-19 coverage
Pre-existing medical conditions
Maternity, pregnancy and childbirth
Major dental problems
Preventative care (like medical checkups)
Vision checkup, eyeglasses or related treatment
Not all plans have COVID-19 coverage

Purchasing Timeline

Start researching medical travel insurance options

Buy your insurance policy through Covered Traveler

Double check your plan and make any revisions if necessary

Print out your ID card and pack it in your luggage or wallet

What are the benefits of buying your policy online?

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651 N. Broad St. Ste 205 #2881 - Middletown, DE 19709
Delaware Department of Insurance License # 3000889612
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