Travel medical insurance is for travelers who are leaving their home country. It provides coverage for medical emergencies and evacuations. Depending on the company selling it, it is sometimes called International Medical Insurance, International Travel Insurance, or Worldwide Medical Insurance.
How is Travel Medical different from other types of insurance?
These plans are for travelers leaving their home country that are concerned with coverage abroad. Many insurance plans don’t cover you once you leave the US, and an accident or illness abroad would not be covered.
Biggest difference: It focuses on emergency medical/evacuation vs trip cancellation coverages
With a travel medical plan, the focus is on emergency medical and evacuation costs.
If you are abroad and have an accident or become ill, it would cover medical costs for you. Emergency dental treatment is usually included and emergency transportation (ambulance, air lift) services are also covered.
Emergency medical evacuations will get you out of a remote area and transported to a place where you can receive proper medical care. If you are killed or die on your trip, the repatriation coverage will ensure your body is properly transported home or to a funeral home nearby.
Travel medical plans often include some Accidental Death and Dismemberment (AD&D) and/or term life benefits which are paid regardless of any coverage you may have back home for a covered injury. This coverage can fill out your life insurance benefits and provide extra coverage for you or your family in the case of a serious accident.
It is cheaper than trip cancellation insurance
Medical plans are priced based on age, trip length, and coverage amount. This usually adds up to a few dollars per day, so it is a very economical way to get emergency medical coverage abroad.
Trip insurance with cancellation, interruption, delay, baggage coverage, etc, are based mostly on the cost of the trip. It usually costs 4-10% of the insured trip cost, so these plans can easily be in the hundreds of dollars.
It has some trip insurance benefits in some plans
Some medical plans offer a few trip insurance-like benefits such as minimal trip interruption coverage, coverage for lost or delayed baggage and even trip delays.
This is a nice additional benefit, but if you are looking for true trip insurance benefits you should look at that type of plan.
Examples of why would you need emergency medical coverage
- You’re sent on a long business trip and contract a severe case of food poisoning.
- You trip on a cobblestone street and break a tooth.
- You are traveling ahead of your church missionary group to organize housing and get in a traffic accident.
- You are traveling in a foreign country with your children and are injured in a fall.
- You want the assurance of having travel medical assistance services to help you in an emergency.
What does it cover?
The following coverage is typically found in a Travel Medical insurance plan.
- Reimbursement for unexpected medical costs due to emergency medical care.
- Reimbursement for unexpected dental costs due to an accident.
- Advance payments to medical facilities and help get emergency medical transportation when you are injured.
- Coordination of and payment for emergency medical evacuation services, including medical care providers to attend to you until you reach an appropriate medical care facility.
- AD&D and travel accident benefits to help take care of you or your family if you are seriously injured or killed while traveling.
- Emergency travel assistance services to help you locate a local an appropriate medical facility to care for your medical needs and those of your family.
Examples of travelers that might buy it
Travelers like these should purchase travel medical insurance:
- US Citizens going abroad. A typical health insurance plan doesn’t extend outside the U.S. borders, so if you’re traveling abroad, you’ll want travel medical coverage for accidental illnesses and injuries that occur outside your health insurance coverage zone.
- Visitors to the US. When family members visit from abroad and stay a few days or even a year, they should have coverage for their stay.
- Business travelers working overseas. If your health insurance plan doesn’t extend outside the U.S. (and most don’t), you’ll need some medical and evacuation coverage if you’re working overseas.
- Expats and long-term travelers. Not only does your own health insurance (even Medicare) fail to cover you outside the U.S., if you are visiting multiple countries, you’ll want to ensure you have the same coverage no matter where you travel.
- Missionaries and foreign aid workers. Just because you are traveling to make a difference in someone else’s life doesn’t mean something bad can’t happen to you. Be sure you are protected in case you have a medical emergency or need to be evacuated to safety.
What are the types of Travel Medical plans?
Travel medical plans come in three types:
- Single trip travel medical (the most commonly purchased) – this is coverage for a single trip up to six months. It covers the length of the vacation and is paid for up front.
- Multi-trip travel medical – this coverage is for multiple trips and often purchased in 3, 6, and 12-month segments.
- Long-term major medical – this is continuous medical coverage for the long term traveler and typically paid on a monthly basis. These plans can often be renewed.
How much does Travel Medical Insurance cost?
Since travel medical insurance does not provide trip cancellation and other package-like benefits, the cost of the plan is often quite economical.
A typical single trip travel medical plan can range from $40-$80 for a relatively short overseas trip. In general, the premium amount for a travel medical plan is based on:
- The length of the trip
- The age of the traveler
- The medical and evacuation coverage limits
While some travel medical plans will cover a few package-like benefits, the typical travel medical plan does not cover trip cancellation, trip interruption, baggage loss, travel delays and other benefits typically associated with package plans. Travel medical plans are meant for the overseas traveler seeking medical insurance protection outside their home coverage network.
How to buy Travel Medical insurance
You have two options for buying travel insurance – the best option is to compare plans from all companies, get quotes, and purchase your travel insurance plan online:
- Compare plans from all companies: Compare travel insurance plans from all companies, get quotes, and buy online.
- Quote and buy direct: Review the travel insurance companies and plans and purchase directly from the company.
All travel insurance companies include a free look period with a refund that lets you review the plan documentation. If you decide you need something a little different, you can make changes to your policy or cancel it for a refund (minus a small fee).
Which companies offer Travel Medical insurance plans?
- Travel medical plans are focused on medical and evacuation coverage
- Because this type of plan doesn’t include many package plan benefits, it’s usually very affordable
- This type of coverage is crucial for those traveling abroad to protect against financial losses due to an illness or injury
- You can shop for and compare travel medical plans from a number of companies using our travel insurance comparison tool
Viviene Ogugua says
We are a family of 4 (2 children under 10yrs) planning to spend 6 months in France. We are British. I’m confused about the difference between travel medical insurance which is very affordable and general medical insurance for expats which is often prohibitively expensive.
We are all healthy and do not require cover for pre-existing conditions. We are happy to pay for occasional trips one might make to the family doctor. However, as the kids will be in school, we would not want a policy that puts emphasis on evacuating you back to your home country where they won’t have to pay out any longer.
I’m wondering how travel medical insurance can seem to offer the same (or similar) thing as general medical insurance yet be considerably cheaper.
Damian Tysdal says
Thanks for your question, I understand the confusion as there are many policies with many coverages.
The main difference between a travel medical plan and a long term medical plan is that a travel medical plan is for emergency medical care, while an expat long term plan provides more comprehensive coverage that is similar to their coverage at home and covers routine visits, preventative care, etc.
If you are looking for coverage for unforeseen events and emergencies, a travel medical plan would be sufficient. If you are looking for coverage that is similar to your home coverage a long-term medical plan would be better.
Hope this helps explain the general difference.
Hi there –
Currently planning a 1-2 year trip through Central/South America and Europe and curious if anyone has any particular recommendations for long-term medical insurance? We are both young (late twenties and early thirties ) and in good/excellent health.
Any help would be great!
Damian Tysdal says
Thanks for the question. I would look at Seven Corners for travel medical coverage, they have a variety of plans at various prices that will suit your needs. Here is their review page: http://www.travelinsurancereview.net/companies/seven-corners/
Also, on their site they have a Interactive Travel Insurance Guide that can help you pick a plan and get a quote, here is a link: https://www.sevencorners.com/insurance/HWD2SKN
What if I have already started my trip (Germany) and plan to go to another country where I might want insurance. Can I still qualify after leaving the US?
Kim Hoa Hooper says
I just want medical coverage for me & my family. I am not interest in trip cancellation or trip interruption. Can I buy just medical travel insurance? I read so many horrible reviews about reimbursement, and the complication of filling a claim. How do I avoid that?
Damian Tysdal says
Yes, it sounds like you are looking for a Travel Medical policy, which focuses on coverage for medical emergencies and evacuations. I would recommend Seven Corners; if your trip is less than 6 months in length their popular Liaison International plan might be a good choice. Here is a link to their review page: http://www.travelinsurancereview.net/companies/seven-corners/
Best of luck,
Anat Stemmer says
What plan is there for NON USA residents over 80 that want to come visit the US?
Thanks very much,
Hi Anat, there are several plans available. If you use the Compare Quotes tool and type in the traveler’s details, you’ll see a list.
Hi i am going to be traveling to Japan in a month, and i am going to be there for 1 month. i am still a college student, so i am trying to look for an affordable coverage plan. any suggestions?
Hi there, you can see the best plans for students here: http://www.travelinsurancereview.net/student-travel-insurance/. Good luck and safe travels.
Sarala Rao says
My husband & I are senior citizens- 70 & 65 years respectively. We have Medicare in the USA. However, we feel we need to get medical insurance for our trips to India which last for six weeks approximately. What we are looking for is medical insurance in the event of an emergency in India. We do not need repatriaton.
Q1. Which companies offer it in the USA ?
Q2. What does it cost ?
Hi Sarala, in most cases the repatriation is bundled with medical evacuation, which you may need. See our Senior Travel Insurance tutorial
for more information and a list of plans. Click the Compare Quotes button to get quotes and compare prices. If you have specific questions, please consider submitting them to our new Q&A page too. Thanks and good luck.
I am going on a one year long trip through South East Asia. I need to find Travel Medical Insurance to cover me for emergencies and per-existing conditions. I am going to buy DAN Insurance for SCUBA Diving. That covers me for SCUBA related accidents, trip delays, lost luggage, lost/damaged/stolen equipment. It covers sports activities like horseback riding, yachting, sailing, deep sea fishing, etc. It covers active things like hiking and trekking.
I am a 49 year old female. I will be traveling alone. No husband. No kids. I will be buying a single policy rather than policies for a whole family.
I have Hypothyroid Disease and Kidney Failure Stage 3. I need medications and doctor check ups. Typically, the pharmacies in South East do not require a prescription. You just walk up and ask for what you need (name of med and dosage) and they dispense it to you. However, I need routine blood tests every 2 – 3 months to make sure I am doing OK. I need lab fees covered for my blood tests. I need doctor visits covered for my check ups. I need my medication costs covered. I am not on many meds, but some coverage would be nice.
My HMO does not cover me overseas. I don’t know of any medical insurance that covers overseas like at home.
Is travel insurance strictly for *Emergencies* or does it also cover the routine medical care I require to manage my illnesses? Is this possible? Will I pay outrageous rates? Am I asking for too much? Is this possible or not?
Damian Tysdal says
This situation is more involved than a simple travel medical insurance plan. I recommend calling Seven Corners to discuss options. They have a wide variety of travel medical plans and will be happy to assist you.
Here is their toll-free number: 1-800-335-0611
bob roberts says
i went to Europe twice in the last ten years. Don;t understand why European insurances are up to 4 times cheaper than American ones. if you have insurance in the US you just need repatriation and accident. This should be some 30 euros a month and not 200 us as the calculator says.
Please i need urgent help.My wife and 2 kids travelled to Fiji for 6 days in February this year.They took out travel insurance with cover more travel insurance.While on holiday my 17 yr old son slipped and fell on concrete floor near a swimming pool.He lost two of his front tooth,Chipped one tooth in half and cracked the other one,Dentist attented him in fiji and coulodnt do anything as the wound was too fresh and needed the bones to heal before anything could be done,He did xray which showed all the injuries he substained.We informed the travel insurance company and they told us that they will not cover him for any cost which will occur in australia even though he was injured in fiji and had valid travel insurance.Please anyone advise me what i can do or if i am covered or not.
I’m a 73-year-old woman who is going on a trip to Ireland in June with 4 friends. I have emergency evacuation insurance through a professional organization that I’m a member of. The insurance doesn’t cover medical expenses so I need medical coverage. I will also need coverage for the round-trip fare plus coverage for the $2,500 cost of the tour (led by a private business woman in our community). How do I get the insurance coverage I need minus the emergency evacuation coverage? Thanks.
When you want a travel insurance plan for trip cancellation, which is what I assume you mean by ‘coverage for the $2,500 cost of the our’, and travel medical, the coverage typically comes as part of a package. Unfortunately, you can’t pick and choose the coverage bits you want in and out of your policy. You can, however, get quotes and choose a plan with minimal evacuation which will help keep your costs low. Click the Compare Quotes button and fill in your trip details, and then you can choose the plan with minimal evacuation coverage. Please let us know if you have further questions.
Loretta M says
My 26 year old daughter will be traveling in Costa Rica for 16 days in Jan. She plans on purchasing a medical travel policy for this period, but coincidentally she is losing her free regular health insurance under my policy on Jan.1, but can pay over $400 a month to remain on it, which she intends to do. We were thinking of waiting until Feb. 1 to do that (allowed under my policy) if she can extend her “travel” medical insurance to include the days she is here in the US before and after her trip since it is so much cheaper. She is young and healthy but I would hate to leave her totally uncovered for even a short period in the event of a medical event at home, but it seems crazy to pay so much for her regular health policy when it will only cover her for part of the month. So my question is: is there any travel medical insurance that can extend her coverage to the US for a short time as well?
Damian Tysdal says
A travel medical policy is a great idea for her trip to Costa Rica, but unfortunately it would not provide coverage while in her home country. I recommend extending the plan through your provider to cover the gap month.
Hope this helps, we wish your daughter safe travels!
Steve Herman says
Why wouldn’t you suggest she obtain a temporary policy for the month since they are also much less expensive than her Mother’s plan?
As Damian notes, the reason a temporary medical policy won’t help this person is: ‘it would not provide coverage while in her home country’. I hope this helps.
I’m a mexican woman (27 years old, healthy, with no pre-existing medical condition) planning a six months (2 november – 24 april 2013) trip to several European and Asian countries. I’ve been searching for a travel medical insurance but the applications (including the Sqauremouth.com comparison tool you recommend), always ask to fill out a “destination country” (singular) and I need coverage in serveral countries (non US). How am I supposed to answer that question? What do you recommend?
Hi Valeria, enter any country along your itinerary.
linda mclean says
I went to the compare quotes and it came up with only one quote and it said no medical emergency coverage and no quote for travel medical insurance . The one quote was medijet , 395.00 for two people per year which is cheap but I need medical coverage while we are away
Hi Linda, it’s hard for us to guess what you put in for criteria and tell you why you’re not seeing what you want to see. Please fill in the quote form with your trip details and once you get to the quote screen, you can then select medical as a filter.
jacque leonard says
My husband and I will be vacationing in Italy for almost 3 weeks this October.I would like to purchase an affordable medical insurance plan for us during our visit.Any suggestions?
Hi Jacque, same response as to Billy, head on over to our compare quotes engine, type in your trip details, and you’ll get price quotes from a number of companies. Make sure you read the plan details carefully. If you have any pre-existing medical conditions, you’ll need to purchase a plan with the right coverage. Let us know if you have more specific questions once you get there.
I am a pilot living and working in Brazil. However, we frequently fly to Europe. We have a trip coming up this Saturday. We are going to Tenerife, Lisbon, Vienna, Geneva, Lyon, Prague, and Berlin.
I will be here for at least six months possibly two years based out of Brazil. I am looking for a plan that would cover me both while I’m in Brazil, and while we are traveling in Europe. I have Blue Cross Blue Shield in the United States.
I am 35 years old, with no pre-existing medical conditions, and in excellent shape.
Can you please make some recommendations for the best plan suited to my needs?
I suggest you start with our Travel Insurance 101 if you aren’t sure what coverage you need, then head on over to our compare quotes engine when you are ready to get price quotes from a number of companies. I can’t recommend a ‘best plan’ because every traveler’s needs are different. You will be able to find coverage for Brazil and Europe, however.
Let us know if you have specific questions once you get started!
I’ve been researching Travel Insurance vs Travel Medical Insurance for 2 months now & I’m beginning to feel really frustrated. I can’t seem to figure out what’s the best, most affordable option for my boyfriend & I. We are quitting our jobs & traveling for 6 months before relocating to Hawaii. He has insurance through his employer, which will obviously be canceled & I have an individual plan that expires right after we leave. I have found a few reasonable travel insurance policies that will cover us while we are overseas (covering us for emergency medical, medivac, baggage loss, etc), but these plans aren’t considered “continuous creditable coverage.”
What should we do in order to maintain continuous coverage while we travel?? It seems like there are only 2 options here: 1) to buy an international medical plan (which is expensive even with a high deductible & seems unnecessary) or 2) to find a “cheap” domestic plan & supplement it with a good travel insurance plan. Please tell me there’s another option that I am overlooking!
Thanks for any assistance!
Your trip sounds wonderful – good for you!
It sounds like you are looking primarily for an international medical plan – do you know the countries you will be traveling through? You don’t mention your ages or where you’re going (those are key to getting an accurate quote), but I took a guess and plugged in these details into our quote engine:
Ages 25 and 28
Hong Kong as a country you’ll visit
September 1 – January 31, 2013 as the dates
I came up with plans that cost far less than $300 and include:
Medical evacuation from $300,000 – $500,000
Emergency medical $50,000 (it’s secondary, but remember that without another plan, secondary becomes primary automatically)
Interruption from $5,000 – $7,500
These are all continuous coverage plans.
See this page for information specific to travel medical insurance: http://www.travelinsurancereview.net/travel-medical-insurance/, and consider this: if something happens back home that requires you to leave your trip and return, you may not have trip interruption coverage with a travel medical plan. That means you’ll have to foot the bill of getting back home yourself. I found lots of plans that did cover interruption when I plugged in the fake details above and that would be useful. Trip interruption coverage will not only get you home (for a covered reason), it will also take you back to re-start your trip.
Also, be sure to read the exclusions of your plan (read the whole plan!) so you don’t end up like this young man: http://www.travelinsurancereview.net/2012/07/09/motorbike-accident-leads-to-spiraling-medical-bills-in-foreign-hospital/
Good luck! Let us know if you have other questions.
Thank you for your reply!
Our ages are 35 & 39 & we’ll be traveling through India, Maldives, Thailand, Laos, Cambodia, Vietnam, Malaysia, & Singapore (I noticed that some plans that include Hong Kong are more expensive than others). We depart the States September 18th & as of right now, we don’t have an exact “arrival into Hawaii date.” I know this presents yet another problem, but I’ve been using March 16, 2013 as our end date just for quote purposes.
I’ve used this website many times over the last 2 months, & it’s very difficult to distinguish which plans are considered continuous coverage. We need a plan that will provide us with a “Certificate of Creditable Coverage” so that we can find health insurance when we arrive in Hawaii. Typical travel insurance can’t provide us with this document, which causes a gap in our coverage.
So, are you saying that we will need international medical insurance AND travel insurance? This was the plan all along, but the quotes I’ve found are $1200+ for 6 months. This is way out of our budget. Additionally, the international medical plans I’ve found all have high deductibles, which makes them unaffordable if something crazy were to happen.
Again, I really appreciate your assistance in helping us!
I did a little research and I’m being told that the only plans that are ‘creditable’ are group health (major medical) plans.
No, I don’t believe you need both trip insurance and travel medical since the one likely concern is trip interruption and there are travel medical plans with that coverage in it.
I hope this helps. Good luck! Let us know if you have more questions.
thomas leslie says
if i’m right, hawaii is oneof the few states that requires everyone to have health insurance. if so, the cirticicate of continuous coverage may not amtter for hawaii. you should check.
My son, age 23 will be travelling to several cities in Eastern and Western Europe to try out for several professional volleyball teams. Until he gets a spot, I want to buy some travel insurance for him. One wrinkle is that he’s had type 1 diabetes since age one. Are there any companies that will cover health issues that may be related to that?
Hi there, yes there are travel insurance options for your son (my own daughter has type 1 as well). Please see this page for information: http://www.travelinsurancereview.net/travel-insurance-coverage/pre-existing-condition-coverage/.
One caution, be sure to check with the provider before or after you purchase (during your review period) to understand how the coverage works if your son is participating in sporting events. Volleyball shouldn’t be a problem, but you’ll want to check about the pro sporting event.
Hi. I’m a retired person living with my daughter, her husband and their 2 1/2 son who I take care of. They have medical insurance, apparantly I cannot be covered by it which seems strange since i’m declared as a dependent. However I’m looking for health insurance for myself. I’m healthy and have medicare and extra Rx coverage in the states. I’m a resident of the UAE. I’ve been looking at several policies. Very expensive. What can you suggest?
I’m sorry I don’t understand your question. This site is focused on travel insurance, are you looking for travel insurance?
Carol Boswell says
We, my husband, 68 & myself, 63, are travelling to Kenya in about 2 weeks and would like to have medical/evacuation insurance for peace of mind. I have looked at the Frontier MEDEX and their coverage seems pretty comprehensive and very affordable. Do you have any recommendations regarding Frontier and do you recommend another company to compare?
Hi Carol, there are reviews of all the companies are available from the home page. We can’t recommend a specific plan or company because each traveler’s situation is unique (and private). For example, be sure to think about pre-existing medical conditions when you’re choosing your plan. Use the Compare Quotes tool to compare plans from all companies side-by-side. Be sure to read the plan details so you know what the exclusions are.
If you have a more specific question, please let us know and happy travels!
I have been living in China for 2 years and i got my overseas health insurance plan from Abacare. It’s an international insurance company with the offices in China and their employees are always helpful if i have any questions or concerns!
You can get more information about their services here abacarehealthinsurance.com
My daughter, 24, will be leaving on 6/27/12 to work in a company in Shanghai, she is planning to stay about a year. We do not have her return trip booked. I am finding that without a return flight, I am having difficulty in obtaining primary medical insurance for her. Also, most of the major carriers will only insure up to 6 months.
IMG quoted a price with a $1000 deductable. Do you know of any other companies that may have more reasonable deductables? She is in excellent health and this insurance would be for emergencies, and accidents. I would also want it to include evac . Thank you.
Damian Tysdal says
I would recommend Seven Corners, a leading travel medical insurance provider for almost 20 years. They have a variety of plans that can provide coverage for your daughter.
Read their review at the link below or call toll free for more information: 1-800-335-0611
Their full review is here: http://www.travelinsurancereview.net/seven-corners-travel-insurance/
Hope this helps,
Thank you very much.
Thank you very much for the suggestion to use Seven Corners. What a wonderful company! Everyone I spoke to was extremely courteous and knowledgable. They gave me very constructive advice and helped me choose the perfect plan for my daughter. Years ago, I was VP of the claims department of a major travel insurnace company, I wish I had any of the CS reps that I spoke to on my team!
Even though I am still a bit uneasy about my daughter working in China, I can rest a little more easier knowing that she is protected medically with such an excellent company.
If you’re looking for longer-term health insurance, check out Cigna’s plans http://www.cigna-international-health.com
You can buy with a credit card fully online. These policies are for staying 1+ years abroad.
Hope this helps.
Paul Torres says
Also, are the quotes a monthly fee? Travel guard, platinum package is $32. Is that a month or total?
Damian Tysdal says
That sounds like a monthly premium.
A good company for travel medical insurance is Seven Corners, link here: http://www.travelinsurancereview.net/seven-corners-travel-insurance/
Paul Torres says
Great. I looked at it and they have some great plans. I am looking at the quote that says $345.80, that’s the total cost right? I won’t be billed next month for that same price and I won’t have to worry about it until next year?
Thanks for replying so quickly
Damian Tysdal says
That quote sounds like an annual premium. I just ran a quick quote through for Liaison Majestic and it was in the $300s for the total insured period.
Paul Torres says
I am going to be spending the next year traveling through Europe. Is there an insurance that just offers the medical and evacuation without the package insurance? Is that cheaper?
Damian Tysdal says
Yes Paul, it sounds like you are looking for Travel Medical Insurance. This type of plan provides coverage for medical emergencies, evacuations, and more without the cancellation and other package coverages. Plans can cost just a few dollars per day.
More info here: http://www.travelinsurancereview.net/travel-medical-insurance/
Janet Donnelly says
I am interested in purchasing medical travel insurance for my son’s wife who is 7 months pregnant. She is a citizen of China (PRC) and is married to my son, a U.S. citizen. My son is employed in Singapore and has medical insurance through his work for the two of them. They will be visiting the U.S. from June 6th – June 22nd, 2012. Is there medical travel insurance available which covers for pregnancy, and what companies offer this coverage?
Hi Janet, please see this post for information: http://www.travelinsurancereview.net/2011/10/04/how-travel-insurance-covers-pregnancy/.
Four of our family travelling to Nicaragua for a medical mission. We will be there for one week. What would be best for us?
Tom Robinson says
I’m a U.S. citizen working on a contract in Malaysia. I’ve been here for 6 years. My contract will expire at the end of this year. When my contract ends my medical insurance also ends. I will be traveling to the U.S. in January and returning overseas in March. What insurance plan would best suit my needs for coverage in the U.S. during my visit there?
Thank you, T. Robinson
Anthony Harris M.D. says
Does anyone know the % of US travellers using travel medical insurance?
Ok,,this has been a tedious process of trying to find a decent travel medical insurance carrier…all the reviews are bad or way below standard…what gives? are they ALL like that?? I dont mind paying a ‘fair price’…but I dont want to get into any situation of..’you get what you pay for’..so, with that,,can anyone recommend any other carriers that have less of the similar complaints than the above? I am specifically looking for medical travelors insurance and companies who work with medical facilities on claims…Thanks!