Travel Insurance

Travel Medical Insurance for Trips Outside the U.S.

Going overseas?

Your regular health insurance may not fully protect you abroad.

Whether you’re taking one vacation, traveling several times a year, visiting family overseas, going on a mission trip, or spending months outside the country, Routt Insurance can help you compare travel medical coverage designed for international care.

Get help choosing the right travel medical plan before you leave the United States.

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Plan Options

Single Trip Travel Medical Insurance

Best for one international trip.​

Good for:

  • Vacations
  • Cruises
  • Business trips
  • Mission trips
  • Visiting family overseas
  • Short-term international travel

This is usually the best fit if you know your travel dates and only need coverage for one trip.

Multi-Trip Travel Medical Insurance

Best for people who travel outside the U.S. more than once per year.

Good for:

  • Frequent travelers
  • Business owners
  • Retirees who travel often
  • People visiting family overseas multiple times per year
  • Clients who want one annual plan instead of buying coverage trip by trip

If you travel internationally several times a year, a multi-trip plan may be easier and more cost-effective.

Long-Term International Medical Coverage

Best for people spending extended time outside the United States.

Good for:

  • Living abroad
  • Working abroad
  • Students
  • Missionaries
  • Maritime workers
  • Non-profit workers
  • Families spending months overseas

If you will be outside the U.S. for several months, a long-term international medical plan may be a better fit than short-term travel coverage.

Why Travel Medical Insurance Matters

You may have good health insurance at home, but that does not always mean you are fully covered outside the United States.

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When traveling internationally, you may face:

  • Limited or no coverage from your regular U.S. health plan
  • Large upfront medical bills
  • Difficulty finding English-speaking doctors or hospitals
  • Trouble arranging direct payment with foreign medical providers
  • Emergency care, hospitalization, or medical evacuation concerns
  • Medication, telemedicine, or care coordination issues while abroad

 

A travel medical plan can help protect both your health and your wallet while you are away from home.

Frequently Asked Questions

  • Frequently Asked Questions Do I need travel medical insurance if I already have health insurance?

    Maybe. Some U.S. health plans offer limited or no coverage outside the United States. Even when coverage exists, you may have to pay upfront and file for reimbursement later. A travel medical plan is designed specifically for international medical situations.

  • Should I buy coverage before I leave the United States?

    Yes. In many cases, travel medical coverage should be purchased before your trip begins. Do not wait until you are already overseas.

  • What is the difference between single-trip and multi-trip coverage?

    Single-trip coverage is for one specific trip. Multi-trip coverage is designed for people who travel internationally multiple times during the year.

  • Does travel medical insurance cover trip cancellation?

    Some plans focus mainly on medical coverage, while others may include or offer travel-related benefits. We should review the plan details before you buy so you understand what is and is not included.

  • Can I use travel medical insurance for a cruise?

    Yes, travel medical coverage may be useful for cruises, especially if the cruise visits foreign countries or if you are concerned about medical care away from home.

  • Does Medicare cover me outside the United States?

    Original Medicare generally has very limited coverage outside the U.S. Some Medicare Supplement plans may include foreign travel emergency benefits, but limits apply. Medicare Advantage plans vary. It is smart to review your situation before traveling.