travel medical insurance guam

• US citizens overseas

Travel health insurance in Guam, Guam travel insurance

Travel insurance quote form, do you want to insure trip cost as well as the health of the traveler, please click here to buy travel insurance for quarantine coverage, travel insurance with trip protection coverage - highlights, trip cancellation.

Reimbursement for loss of pre-paid, non-refundable payments.

Medical evacuation

Transportation to or between hospitals as needed.

Reimbursement of food and lodging expenses due to delay in travel.

Lost baggage

Pays sum for lost or delayed luggage by airline.

Medical expenses

Covers cost of treatment for sickness or injury during your vacation.

Travel medical insurance with no trip protection - Highlights

Health care expenses.

Covers medical costs for sickness or accidents during travel.

Doctor visit

Covers cost of clinic or doctor visit.

Pharmacy drugs

Expenses from doctor prescribed eligible medications.

Repat of remains

Return of moral remains to home country or local burial.

Guam healthcare for tourists, Travel health insurance for Guam

Schengen Visa Insurance

US Expatriates Insurance

Guam Visitor Insurance

USA Visitors Insurance

Best insurance for travel to guam covid19.

International travel has been increasing again after the complete lockdown due to the covid19 pandemic. However given the health risks and increased healthcare costs involved in light of the pandemic, it is very important to have good travel insurance which covers covid19 illness. Travelers can Compare Guam visitor health insurance with Covid coverage by using our visitors insurance compare tool.

In the facility, we have a question clarifying if you need to compare visitors insurance for covid19. Even within our display comparing best Guam travel insurance for Covid19, we have a "filter" option where visitors can filter for covid19 travel insurance coverage plans only. Based on your unique visitors insurance requirements we display all the available Covid travel insurance plans from top rated US insurance providers.

US travel insurance for Guam

Guam in the US territory of Oceania has some of the most packed marine life with diverse diving spots to shipwrecks with simple reefs. It has over 200 species of coral with 60 diving sites. Guam is a country with night markets of Chamorro Village, World War monuments, attractive churches, and magnificent Pagat caves attract millions of travelers to the country. US citizens do not need a visa to travel to Guam and they can stay for up to 90 days .They just need a valid passport. The best time to visit Guam is between January to May. Guam receives several US travelers each year for a vacation.

Travelers with trips within the USA or the US territories need to buy a good US travel insurance . If, the visitor is traveling for more than 100 miles from their primary residence but are still within the US can buy domestic insurance for the trip. Travel insurance will protect travelers from any financial loss in the event of a health emergency, any accidents, flight delays, flight cancellation, baggage damage, lost baggage, death of traveler. Travelers can now travel without worrying of the cost invested in the trip as many US travel insurance providers offer coverage for trip delay or trip cancellation expenses, especially given the Covid19 pandemic and visiting a hospital without insurance may face huge financial loss.

Travel Insurance from Guam to Mainland USA

Traveling to the mainland US is very common among travelers from Guam. Several travelers from Guam visit the US for a vacation and to meet friends and family. All individuals born in Guam or any other US territories become an American citizen automatically. The summers are ideal for a vacation in the US.

Resourceful tourist insurance USA information

Find the best travel insurance, how does travel insurance work, how to buy travel insurance, travel insurance glossary, travel insurance for specific groups, compare travel insurance plans.

Annual travel insurance (Multi trip insurance)

Annual travel insurance (multi trip insurance) for travel within usa, travel insure - voyager annual insurance.

• Take an unlimited number of Covered Trips during the 364 day Policy period
• Covers domestic and international trips - up to 90 days each
• Offers two plan levels namely Silver and Gold offer options for different needs and budgets
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.
• The Gold plan includes additional benefits like Trip Interruption and Political Natural Disaster Evacuation

Annual travel insurance for travel outside USA - Annual travel insurance for US Business travelers

Importance of american traveler insurance.

Traveling long distances has many unexpected and accidental incidents that need to be taken care in a professional manner in order to have an enjoyable experience. US travel Insurance very important while traveling which takes care of medical expenses due to sudden sickness or injury. In the US healthcare is closely linked to insurance coverage. US travel insurance providers have preferred provider networks and the hospital billing is much lower for insured patients when compared to uninsured patients. Having the best US traveler insurance reduces hospital bill along with paying for the outrageous cost of healthcare in the US.

US travel insurance plans can also insure trip expenses along with insuring the health of the traveler. Trip cancellation Insurance cover trip cancellation, trip interruption, travel delay, loss of luggage, baggage delay... Cancel for any reason travel insurance is an additional benefit available which will refund 75% of the trip cost in case of trip cancellation if the traveler cancels the trip for any reason. These benefits are very useful for traveler who are not sure of their travel schedules so that they should do not need to lose their travel investment if they do not travel.

Factors to consider

While buying Travel Insurance

While buying Travel Medical Insurance

American traveler insurance including trip cancellation coverage

US citizens should consider buying travel insurance especially if traveling outside their home state. The travel insurance plans are designed for US vacationers with coverage for insuring the health of the traveler as well the trip expenses cost. Some examples of coverage benefits are trip cancellation, trip delay, Covid quarantine travel insurance , medical evacuation, injury of family member, travel companion or pet, theft of passport, traffic accident, inclement weather resulting in delay or cancellation of common carrier.

• Non refundable cost of the trip.
• Unexpected medical expenses of the traveler.
• Loss or damage to the insured’s possessions.

IMG Trip insurance

The travel insurance offered by IMG is a three-tiered series of plans: Travel Lite , Travel SE and Travel LX . These plans offer coverage for unexpected medical expenses dues to accident or sickness as well as insure your trip expense investment in case of a trip cancellation or delay.

Travel LX insurance has 'Cancel for any reason' benefit included and provides coverage up to $100,000. The Travel SE and Travel LX plans offer Trip Delay benefit up a maximum of $2,000 per person and $2,500 per person respectively which satisfy many countries Covid travel insurance quarantine requirements.

Safe Travels Trip protection insurance

Safe Travels Trip protection insurance plans for trip cancellation expenses from Trawick International offer coverage for non refundable trip expenses incurred when a trip is cancelled. These are

• Safe Travels Voyager insurance
• Safe Travels Protect insurance
• Safe Travels First Class Trip Protection

Safe Travels Explorer Plus

• Safe Travels Journey insurance
• Safe travels Explorer insurance
• SafeTravels Armor insurance
• Safe Travels Defend insurance
• Safe Travels Single Trip Protection

The Safe Travels First Class Trip Protection , Safe Travels Voyager insurance and SafeTravels Armor have an optional benefit that is the ' Cancel for any Reason ' which is available as a rider at an additional cost.

The Safe Travels Voyager insurance and Safe travels Explorer insurance is quite popular as it offers Covid19 quarantine accommodation coverage.

Trip Protector Preferred insurance

• Available for US citizens and residents traveling outside the United States
• Includes $2000 in travel delay benefits for Covid quarantine/lodging.
• Trip cancellation up to $50,000/Trip interruption up to 200% of trip cost
• Offers $500,000 medical for sickness and injury/$1,000,000 medical transportation

Seven Corners Trip Protection Insurance Plans

The Trip Protection Series by Seven Corners offers plans with good, better, best plan with Trip Protection Basic and Trip Protection Choice . There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 180 days.

Trip Protection Elite from Seven Corners offers cancel for any reason for residents of Missouri, New York, Pennsylvania and Washington travelling in the United States /internationally. you can have a trip last up to 90 days.

There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.

Travel Insurance Services Trip Protection Insurance Plans

Travel Insurance Select Insurance and Trip Care Complete Insurance from Travel Insurance Services,offers choice of three options to meet your needs and budget: Elite, Plus, and Basic. These plans includes coverage for trip cancellation, trip interruption, trip delay, medical expense, emergency evacuation, and baggage loss/delay coverage. Each option includes different features, benefits, and coverage limits.

Travel Insurance Select Plus and Elite plans offers "Optional cancel for any reason benefit" if purchased within 21 days of the date initial payment/deposit is received. (not available to residents of NY) and Trip Care Complete Insurance also offers "Optional cancel for any reason benefit" up to 75% of Trip Cost.

Trip cancellation insurance

Travel insurance for trip cancellation, baggage delay, trip interruption, unexpected medical expenses traveller and related emergencies.

Cancel for any reason(CFAR)

Optional benefit offered by travel insurance protects some insured trip costs for cancellation of trip due to any reason.

Rental car collision

Travel insurance for rental car if it is stolen or damaged due to collision, theft, vandalism, natural disaster, or a cause beyond your control.

US citizen annual travel insurance

US citizens and resident who are business people and working professionals travel overseas quite often and it is good to have international travel insurance.

Information about US mobile passport control and TSA pre check for US passport holders.

US expatriate insurance

Health insurance for U.S. expats is essential for providing access to quality healthcare while living abroad. Expatriates often need coverage that goes beyond what their domestic U.S. health insurance provides because most U.S.-based health insurance plans do not cover medical expenses incurred outside the United States.

Select the type of travel health insurance for visiting Guam...

 travel insurance with quarantine coverage, travel insurance for quarantine coverage.

• Travel insurance for US Citizens and US Residents traveling outside USA
• Provides minimum coverage of $3,000 for potential or extended quarantine lodging expenses due to Covid19.
• Provides guaranteed travel insurance for Covid19 for medical expenses of at least USD $50,000.
• Covid-19 is covered as any other sickness
• Safe Travels Voyager plan's trip delay benefit can be upgraded.
• The base benefit is $3,000 (which is $250 per day). Traveler’s can choose $4000 ($300 per day) or $7000 ($500 per day).
• Travel insurance for American citizens and US Residents traveling outside USA
• Provides minimum coverage of $2,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid-19 is covered as any other sickness.
• Covid Quarantine Benefit: Coverage for accommodations due to a covered Trip Delay $2,000/$150 per person per day (6 hours or more) is included in the basic coverage.
• Optional Quarantine Benefit Upgrade at additional price Trip Delay Max Upgrade - including Accommodations (6 Hours or more) $4000 ($300/day) or $7000 ($500 per day)
• Travel insurance for Non US Citizens and Non US Residents traveling outside their home country
• Travel insurance for US Citizens and US Residents
• Provides minimum coverage of $1,000 for potential or extended quarantine lodging expenses due to Covid19.
• Covid19 medical expenses are covered and treated the same as any other sickness
• Offers coverage of $50,000 for emergency medical expenses
• Offers comprehensive trip cancellation coverage
• Travel medical insurance coverage outside USA
• Atlas insurance offers $50 per day for each day that travelers are quarantined abroad for a maximum of 10 days.
• Coverage must be bought for a minimum of 30 days. Proof of quarantine mandated by physician needed.
• Quarantine must be due to you testing positive for COVID-19/SARS-CoV2.

• Travel insurance for US Citizens and US Residents traveling outside US
• Trip cancellation up to $50,000
• Trip interruption up to 200% of trip cost
• $500,000 medical for sickness and injury/$1,000,000 medical transportation
• Include $2000 in travel delay benefits for quarantine/lodging.

Covid Quarantine insurance for US citizens

Despite the removal of the Covid-19 restrictions both in the US and around the globe, it is prudent for US citizens to purchase international travel insurance which will make the whole trip worry free and provide good protection for any medical or travel related expenses in case of unexpected situations.

US travelers can either buy US Covid quarantine coverage trip insurance (includes coverage for cost of the trip), or Covid quarantine travel health insurance (insures only the health of the traveler and is cheaper than trip insurance).

 Travel medical insurance to emergency medical expenses

Best travel insurance, best international travel insurance for us citizens.

• Travel medical insurance for US Citizens and US Residents traveling outside USA
• Available up to 180 days
• Offers emergency sickness coverage up to $500,000
• Covid-19 covered as any other sickness
• Coverage for travelers traveling outside their home country whose destination excludes the U.S. and its territories.
• Deductible options from $0 to $2,500
• Policy Maximum from $50,000 to $2,000,000
• Renewable upto 24 continuous months
• Covers COVID-19/SARS-CoV-2 as any other Illness or Injury.
• Patriot Platinum Insurance is best suited for travelers expecting first-class medical coverage; vacationing families; individuals up to $8 million.
• Deductible options from $0 to $25,000
• Policy Maximum from $1,000,000 to $8,000,000
• USA travel medical insurance coverage outside USA for US citizens
• Available up to 365 days
• Offers maximum coverage up to $2,000,000
• Offers insurance coverage for Covid expenses
• US travel health insurance for US citizens outside USA
• Available from 5 days to 364 days
• Offers maximum coverage up to $5,000,000
• Travel Medical Choice insurance offers coverage for expenses related to COVID-19
• Short term fixed benefit cheap travel insurance USA for US citizens outside USA
• Plan maximum options available up to $130,000 for medical expenses
• Offers coverage outside the US
• Deductible options from $0 to $1,000
• Policy Maximum from $50,000 to $150,000
• Offers emergency medical evacuation coverage up to $500,000
• Offers coverage for travelling outside your home country
• It includes coverage for Covid-19 is covered as any other illness under the medical expense maximum.
• Testing for Covid-19 will only be covered if deemed medically necessary by a physician. The antibody test and prescreening test are not covered, as they are not medically necessary. Maximum age for plan eligibility is 64.

 Expatriate heath insurance for living outside home country

Best expat insurance, best expatriate insurance, expat insurance plans.

• Ideal for US expatriates and for those global citizens living and working outside their home country.
• Xplorer Premier Insurance provides unlimited annual and lifetime medical maximum.
• It covers pre-existing conditions with creditable coverage

 Trip cancellation insurance for trip investment expenses

Best trip cancellation insurance, best trip protection insurance, best trip cancellation insurance.

• Trip Cancellation: Up to 100% of insured trip cost
• US Residents on domestic and worldwide trips
• Travel SE Covid Quarantine Benefit : Travel SE plan offers Coverage for accommodations due to a covered Trip Delay $2,000/$125 per person per day is included in the basic coverage.
• Travel LX Covid Quarantine Benefit : Travel LX plan offers Coverage for accommodations due to a covered Trip Delay $2,500/$250 per person per day is included in the basic coverage.
• Inexpensive coverage for trip cancellation & interruption
• Travel Lite Covid Quarantine Benefit : Travel Lite plan offers Coverage for accommodations due to a covered Trip Delay $500/$125 per person per day is included in the basic coverage.
• Trip Cancellation: Up to 100% of Trip Cost Insured
• Up to 100% of Trip Cost Insured
• It covers Trip Cancellation coverage from $150 to $10,000.
• Trip Cancellation: Trip Cost: Up to a Maximum of $30,000.
• Maximum Trip Length 90 Days
• Offered by Trawick International and is highly rated.
• You can add a "Cancel for Any Reason" waiver onto the plan.
• It can cover trips up to 90 days long.
• Cancellation of policy must be purchased within 10 days of the initial trip deposit date.
• Trip Cancellation: Basic - $15,000 Max
• Trip Cancellation: Plus - $100,000 Max
• Trip Cancellation: Elite - $100,000 Max
• Trip Cancellation: 100% of trip cost up to $30,000
• Provides coverage for U.S. residents travelling outside their home country
• Trip Cancellation: 100% of trip cost up to $100,000

 Trip cancellation insurance for Cancel for any reason

Cancel for any reason trip cancellation insurance, cancel for any reason plans.

• Cancel For Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Tour cost to a maximum of $100,000
• Cancel for Any Reason: Up to 75% of trip cost insured
• Trip Cancellation: Up to 100% of Trip Cost
• Cancel for Any Reason: 75% of non-refundable trip cost
• Trip Cancellation: Up to a Maximum of $50,000. ($30,000 for travellers above 80 years)
• Cancellation for Any Reason: 75% of the Insured Trip Cost within 21 days of trip deposit - some restrictions apply. Not available in NY or WA.

 US seniors traveler insurance, Medicare supplement international travel insurance

Usa senior citizen travel insurance, us seniors travel insurance, travel insurance for older us travelers.

• The GlobeHopper Senior plan is available either as the GlobeHopper Single-Trip plan for single trips with coverage from 5 days to 365 days
• The GlobeHopper Multi-trip plan which covers a period of 12 months with a maximum of 30 days for each overseas trip
• It is an affordable international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses for short trips.
• It is available up to 12 months
• It is an renewable long term international travel health insurance for US citizens.
• It offers coverage for medical and evacuation expenses.
• It is available up to 12 months.

 Annual travel insurance, Yearly travel insurance

Best annual travel insurance, best yearly travel insurance, annual travel plans.

• Patriot Multi Trip is designed by IMG to cover travelers taking multiple trips in a year.
• Covers non US Citizens travelling multiple times annually outside their home country
• Trekker Essential Insurance offers maximum coverage of $50,000 for sickness and accidents.
• Available for both US and Non US citizens up to 75 years
• Maximum trip length is 30 or 45 days per trip
• Available for US residents only up to age 81 years
• Maximum trip length is 30 days per trip
• Voyager Annual (offered by USI Travel Insure) covers US citizens in and out of the US at least 100 miles away from home.
• It does not cover trip cancellation but can be used for 90 days at a time within a year and is great for frequent travelers.
• Provides coverage for Emergency Accident and Sickness, Emergency Medical Evacuation, Baggage & Personal Effects, Baggage Delay, and Accidental Death and Dismemberment.

Review and compare the best Annual insurance.

Types of US travel insurance

Single trip travel insurance.

Compare and Buy Best US Single trip travel Insurance for travel within the US and overseas

Single Trip vs MultiTrip Travel Insurance

Compare Single trip vs multi trip insurance plans offered by US insurers.

Guam health insurance for tourists - FAQ's

01.  does guam travel insurance cover covid19 illness.

There are some USA Covid travel insurance plans available for travel to Guam that cover covid19 as a new illness. International travelers can Compare best Covid travel insurance plans and buy it online. These US covid travel insurance plans are available for visitors from Guam to the US, US citizens and US residents traveling abroad as well as non US travelers traveling outside their home country.

02.  What is the best travel insurance for Guam?

This is a good question and American Visitor Insurance tries to answer for our customers. Given the different needs of different travelers there is not one policy that is always best for everyone.If you are a traveler with concerns about a pre-existing medical condition that cause an emergency, then you will be looking at different plans than someone without a life-threatening pre-existing condition. We endeavor to give our customer as much information as possible so they can find the Guam travel insurance plan that is best for their needs.If you want some more guidance, please feel free to contact us and our licensed agents will help you!

03.  How much is travel insurance cost for Guam?

The cost for the Guam travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of Guam travel insurance required, the greater will be the cost. Our Guam travel insurance quote comparison facility lists the travel insurance that satisfy your requirements comparing them based on price and benefit. Compare and buy buy Guam travel insurance and get free quotes online.

04.  How does find the best travel insurance for USA? How to find the best international travel health insurance?

There are different factors for buying best health insurance for USA visitors. Visitors should compare fixed benefits and comprehensive visitor insurance plans. Foreign visitors to USA travel insurance customers should understand the concepts of deductibles and co-insurance and Pre-existing conditions travel health insurance. A prudent and well informed traveler will make the correct choice while buying tourist insurance in USA for his or her unique needs.

There are many international US travel health insurance plans for coverage both in the USA as well as around the world. Given the several international travel insurance options, it can be confusing to find the best health insurance for international travel. What is very useful in making this decision is to compare US visitor travel insurance available on American Visitor Insurance.

The compare US travel insurance tool allows travelers compare prices as well as coverage benefits in an objective manner. The traveler can change relevant factors like the medical maximum coverage and the deductible and coverage for pre-existing ailments or hazardous sports. After finding the best travel insurance for your needs, travelers can buy it by completing an online application and paying using a credit card. One completing the purchase the travel insurance plan is emailed to the customer.

05.  Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

06.  What are the factors to consider for travel health insurance to USA?

The best travel insurance for USA depends these factors:

• The coverage for accident and sickness related medical expenses
• The coverage for medical and evacuation expenses
• The coverage for pre-existing conditions
• The deductible and co-payment options
• The network of hospitals and providers
• The customer service and claim process

  Guam - General Information

Guam is an unincorporated territory of the United States located in the western Pacific Ocean. Guam is situated in the western Pacific Ocean and is the largest and southernmost of the Mariana Islands. It is located approximately 3,800 miles (6,100 kilometers) west of Hawaii and about 1,500 miles (2,400 kilometers) east of the Philippines. The capital city of Guam is Hagåtña, also known as Agana. It is located on the western shore of the island. The official languages of Guam are English and Chamorro. English is widely spoken, and it serves as the primary language for government, commerce, and education. The economy of Guam is heavily reliant on tourism, with visitors primarily coming from Japan, South Korea, and the United States. Other significant sectors include military bases and related activities, construction, and government services. Agriculture, particularly the cultivation of tropical fruits and vegetables, also contributes to the economy.

Western Pacific

United States dollar (USD)

English, Chamorro

Mid January

Around 162 thousand

agåtña, Tamuning, Talofofo, Umatac, Dededo, Inarajan, Merizo, Piti.

Popular tourist destinations in Guam

Talofofo Beach

This rock beach lies adjacent to the Talofofo River bridge. The contrast of the black exposed ancient coral against the white sand, lush green palms, and the sea green lit.

Ritidian Point

Located at the northernmost tip of Guam, Ritidian Point’s almost-white sand beaches and crystal clear waters are just the beginning of what there is to explore.

National Marine Sanctuary

Although the top deck of the Fish Eye Marine Park affords spectacular views of the ocean and Gaum’s mountain ranges in the distance, the real show is below sea level.

Pacific War Museum

Pacific War Museum is on the Marines, particularly in World War II, in which the United States battled Japan for control of the island.

Travel insurance Guam, Best travel health insurance Guam

Travel insurance Guam resources

International travel insurance resources for Guam visa holders.

Factors for travel insurance Guam online

Important factors while deciding on the best travel insurance to Guam.

Types of Guam travel insurance online

Different types of Guam visa travel insurance options.

Guam travel insurance claims procedure

Guam travel insurance claims process for medical care.

What is the best travel insurance from Guam to USA?

1.   Atlas America offered by WorldTrips is considered one of the best travel insurance options offers coverage up to $2,000,000. This plan offers coverage for Hospitalization, Prescription drugs, Trip cancellation, Trip Interruption, covid19,Travel delay and Evacuation and much more!. This also offers coverage for acute onset of pre-existing conditions up to 79 years.

2.   Patriot America Plus Insurance is another best travel insurance for visiting the USA offers coverage up to $1,000,000. It offers comprehensive medical insurance for non US citizens traveling individually or in groups to the USA. This also offers optional riders provide additional coverage for a minimal charge. This also offers coverage for acute onset of pre-existing conditions up to 70 years.

3.   Visitor Secure insurance is fixed benefits plan and an affordable scheduled benefit plan for visitors to USA. It offers coverage up to chosen plan maximum for acute onset of pre-existing conditions up to 70 years. This plan covers Inpatient and Outpatient treatment facilities and price varies between the types of plans.

4.   Safe Travels USA Comprehensive offers excellent medical coverage for Non-US Citizens and Non-US Residents while visiting the USA. This includes coverage for acute onset of pre-existing conditions, well doctor visit, emergency medical evacuation, repatriation and security evacuation benefits. This plan offers coverage up to $1,000,000.

5.   Safe Travels USA is a cheap travel medical insurance plan that covers Non-US Citizens and Non-US Residents while visiting the USA. It offers comprehensive US Covid19 insurance coverage for illness and accident and offer a Well Doctor Visit which pays up to $125.Coevrs Unexpected Recurrence of a pre-existing conditions. This plan offers coverage up to $1,000,000.

6.   Travel Medical Insurance from seven corners offers coverage for non-U.S. Residents and non-U.S. Citizens while traveling outside of your Home Country. This comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000. This offers acute onset of pre-existing conditions up to 79 years and Adventure Activities up to medical maximum.

Guam - Where America's Day Begins

Thanks to its warm tropical climate, crystal clear waters, excellent hotels, great tax-free shopping and several leisure activities, Guam is a major tourist destination attracting over 1.5 million tourists annually. While the Japanese are the largest source of tourists, there has been also been a steady influx of Chinese, South Koreans and Russian tourists too. Holidaying in Guam is great fun, however healthcare like anywhere in the US is expensive. International tourists and even US travelers should make sure that they have good Guam travel medical insurance fortrip to Guam.

Japanese tourists in Guam and the need for US travel insurance

Thanks to its excellent weather, clear blue waters, high class hotels, excellent shopping facilities, Guam is a popular tourist destination for Japanese tourists. It also has the advantage of being only a Four hour flight from Japan. With the advantage of their location as well as their historic ties with Guam, the Japanese are the largest group of inbound tourists to Guam, significantly more than American tourists from mainland USA. However Japanese tourists should take care to buy good US travel health insurance in Guam.

Best travel insurance for cruises

Going on a cruise vacation is truly exciting, however one must take suitable action to ensure that the cruise vacation is not a disappointment. Vacationers are likely to book for the cruise well in advance of the actual travel dates, and it is possible that one is not able to make the cruise as planned.

Best Cruise trip insurance ensures that vacationers can vacation investment should there be a disruption and one cannot make the cruise. Most cruises offers Cruise protection, but that is not the same as trip insurance for cruises.

A cruise protection usually gives vouchers for the traveler if they miss the cruise, but getting money back is not the norm, which is what trip insurance for cruises offer. Vacationers can shield themselves best by purchasing the Cancel for any reason travel insurance benefit. This gives the flexibility of cancellation the cruise vacation for any reason, and the traveler can get reimbursed up to 75% of the non-refundable trip expenses. The cruise insurance protection offered by cruise lines provides very little benefits given their cost, this is particularly important for Seniors cruise vacationers who are most vulnerable and likely to need the benefits offered by the best cruise travel insurance plans. Get Quotes »

Cruise travel insurance for US citizen

Cruise travel insurance for pre-existing coverage.

Contact our customer service team, we are here to help you!

Travel insurance for international tourists visiting Guam

Trip cancellation insurance related emergencies while in Amsterdam.

Travel medical insurance

Travel medical insurance for Guam to cover accident and medical expenses.

Expatriate insurance

The plans offer comprehensive major medical coverage in all countries.

Group insurance

Group travel insurance for Guam for five or more travelers on same itinerary.

US citizens travelling to Guam

Traveling on a hard earned vacation can be expensive. Planning the details of a vacation, booking the airline, cruise and hotel tickets involve both time and money. Ensure that your well deserved vacation or even your business travel is not wrecked by unforeseen adverse circumstances by purchasing proper travel insurance.

Short term insurance

For short term travel vacations ranging from a few weeks to few months (less than a year). This covers all catastrophic health care expenses, but does not include coverage for preventive care and has limited cover for pre-existing conditions.

Long term insurance

Ideal for expats working overseas and for US pensioners living outside the US. These plans offers comprehensive coverage for preventive-care, pre-existing conditions, mental health, dental and vision benefits.

Confused whether to buy trip, travel or global health insurance? Understand the differences!

International travel Insurance for Guam residents

Select the best health insurance for visitors to usa..., covid travel health insurance for usa, coronavirus health insurance for foreigners in usa.

Most countries have opened their borders now for international tourism. Unfortunately, even years after the pandemic started in China, Covid is again making a comeback with new immune-evasive variants.

The Covid situation is made even more complicated with influenza and the respiratory syncytial virus (RSV) which is also spreading across the globe. Though there is a risk with the new variants, authorities have relaxed their strict controls thanks to improved vaccination coverage.

However, while Covid appears to be less virulent and no longer as dangerous thanks to a large percentage of the population having vaccinations and booster shots, Covid

Budget travel insurance with covid19 coverage for visiting USA

Trawick international travel insurance.

Trawick International offers visitor medical insurance for coronavirus with their Safe Travels USA Insurance . The Safe Travels USA Comprehensive plan is ideal for travelers with pre-existing medical conditions even for travelers older than 70 years. You can compare Safe Travels USA Covid19 travel insurance plans and buy it online to get coverage as early as the following day. After buying the Trawick travel insurance, travelers can download a visa letter which indicates that Safe travels USA visitors insurance covers covid19 illness.

• Safe Travels USA
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• Safe Travels USA comprehensive
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• Safe Travels Elite
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Seven Corners visitors medical insurance

International medical group (img) coronavirus insurance.

International Medical Group (IMG) travel insurance offers coronavirus insurance for USA. IMG's Patriot America Plus , Patriot Platinum insurance , Visitors Protect insurance and Visitors Care insurance plans cover COVID-19 like any other illness. The Patriot America Plus Insurance and Patriot America Platinum insurance include COVID coverage up to the policy maximum.

• Patriot America Plus insurance
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• Visitors Protect insurance
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• Visitors Care insurance
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• Patriot America Platinum insurance
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INF travel insurance

INF travel insurance offers coverage for coronavirus as any other new sickness. It is available for Non-US citizens or residents travelling to the US. INF Premier and INF Elite plans covers pre-existing complications from COVID-19.

• INF Premier insurance
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• INF Elite insurance
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• INF Elite 90 insurance
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• INF Elite Plus insurance
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• INF Traveler USA 90 insurance
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• INF Standard insurance
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• INF Traveler USA insurance
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Global Underwriters US visitor insurance

Diplomat America visitors insurance by Global Underwriters offers coverage for covid-19 as a new sickness. It is available for Non-US citizens or residents travelling to the US. Diplomat Long term Covid19 medical insurance must be bought for a minimum of 3 months and has a plan maximum options of $500,000 and $1,000,000 for medical expenses. You can compare Diplomat insurance for visitors to USA.

• Diplomat America
• Compare and Buy Diplomat America insurance
• Diplomat LongTerm
• Compare and Buy Diplomat LongTerm insurance

WorldTrips insurance

Atlas travel insurance coverage will cover eligible medical expenses resulting from COVID-19/SARS-CoV-2.

• Atlas America
• Compare and Buy Atlas America insurance
• Atlas Premium
• Compare and Buy Atlas Premium insurance
• Atlas Essential
• Compare and Buy Atlas Essential insurance
• Atlas Multitrip
• Compare and Buy Atlas Multitrip insurance

Travel Insurance Services travel insurance

• If you are traveling to the US : Visit USA coronavirus insurance offers coverage for COVID-19 as a covered medical expense.
• Compare and Buy Visit USA insurance

Best health insurance for visitors to USA, Best travel insurance for USA

• Patriot America Plus Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 70 years).
• Available for US citizens visiting USA
• Visitors Protect Covid insurance offers coverage for coronavirus illness.
• This plan covers pre existing conditions for age 69 and below up to $25,000 and for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Atlas America Covid insurance offers coverage for coronavirus illness.
• Covers acute onset of pre-existing conditions till maximum limit (up to 79 years).
• Diplomat America Covid insurance offers coverage for coronavirus sickness
• Covers acute onset of pre-existing conditions up to policy maximum for age up to 69 years.
• It offers coverage for visitors up to 89 years.
• Covers Covid insurance offers coverage for coronavirus sickness
• Covers treatment of acute onset of pre-existing conditions (up to 79 years)
• INF Elite Covid19 insurance offers coverage for coronavirus.
• Treats Coronavirus/covid19 as a new sickness & covered by the plan
• Best comprehensive plan that covers all pre-existing conditions up to 99 years.
• Comprehensive plan with full pre existing condition coverage which is unique.
• Covers 90% of eligible medical expenses.
• There is a minimum purchase of 90 days required to buy this plan
• Covers Preventive & maintenance care and coverage for full body physicals.
• Coverage for TDAP, Flu, etc Vaccines
• INF Traveler USA 90 covers 90% of elgibile medical expenses
• Minimum purchase of 30 days is required for this plan.
• This is a comprehensive plan too but does not cover pre existing condition
• INF Traveler USA Covid insurance offers coverage for coronavirus illness.
• This plan is available for Non-US Citizens. Anyone visiting USA, Canada and Mexico can enroll in this plan.
• Optional pre-existing conditions rider offers coverage for Stroke or Myocardial Infarction (heart attack) for travelers of any age.
• Plan can be renewed up to 2 year.
• Offers coverage for acute onset of pre-existing conditions up to 79 years.
• Renewable up to 364 days
• It offers coverage for acute onset of pre-existing conditions up to 70 years.
• Plan can be renewed up to 364 days.
• Safe Travels Elite Covid insurance covers coronavirus illness.
• Covers acute onset of pre-existing conditions up to 89 years.
• This plan is not available to any individual who has been residing within the United States for more than 365 days prior to their Effective Date
• INF Premier Covid insurance covers coronavirus illness.
• Covers all pre-existing conditions, this means doctors, appointments, blood tests & labs, specialist care, urgent care visits, & hospital stays are all covered for pre-existing conditions.
• INF Standard Covid insurance covers Coronavirus illness.
• This is a fixed plan and is available for both US and Non US citizens visiting the US.

Best travel insurance for pre-existing conditions, Best Visitors insurance with pre-existing conditions coverage

• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 70 years).
• The plan is available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• Covers acute onset of pre-existing conditions up to chosen maximum limit (aged up to 79 years).
• Covers Acute Onset of a Pre-Existing Condition: Up to 69 years the limit is up to the Medical Maximum purchased per Period of Coverage. For any coverage related to cardiac disease, coverage is limited to $25,000 up to age 69 years, with a $25,000 Maximum Lifetime Limit for Emergency Medical Evacuation. Any repeat recurrence within the same policy period will no longer be considered Acute Onset of a Pre-Existing Condition and will not be eligible for additional coverage.
• Covers Up to $1,000 for sudden, unexpected recurrence of a Pre-existing Condition
• Safe travel USA Covid insurance offers coverage for coronavirus.
• Covers unexpected recurrence of a pre-existing medical conditions up to $1000
• Eligible for foreign residents visiting USA and worldwide
• Travel Medical Choice Covid insurance offers coverage for coronavirus sickness
• Covers expenses for treatment of acute onset of pre-existing conditions
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $50,000 up to 65 years; $5,000 for 65 to 79 years and Worldwide excluding US - $50,000 up to 65 years; $10,000 for 65 to 79 years.
• The policy maximum for this comprehensive insurance starts from $50,000 and provides up to $5,000,000. For people above age 80 years, they get a policy maximum of $10,000
• Acute onset of pre-exisitng conditions are available for Worldwide including US - $5,000 up to 65 years; $2,500 for 65 to 79 years and Worldwide excluding US - $25,000 up to 65 years; $5,000 for 65 to 79 years.
• This is a comprehensive plan with excellent coverage.
• Elite plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years.
• This plan need to be purchased for a minimum of 3 months.
• This is a comprehensive plan with full pre existing condition coverage which is unique.
• Pre-existing complications from covid-19 covered
• Elite 90 plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Covers accident & sickness while traveling to USA, Canada, and Mexico and covers 90% of eligible medical expenses
• Elite Plus plan with policy maximum $150,000 covers pre-existing condition coverage up to $25,000 maximum with deductible $1,500 for age 0 to 69 years $1,500 for age 0 to 69 years.
• Policy maximum $75,000 covers pre-existing condition coverage up to $20,000 maximum with deductible $1,500 for age 70 to 99 years. Coverage for TDAP, Flu, etc Vaccines.
• Visit USA Insurance is an excellent medical insurance for tourists and holiday travelers, parents of students studying in the United States, new immigrants and visiting scholars in the USA.
• Visit USA offers 3 plans to satify your requirements and budget.

Senior Citizen travel insurance for above 60 years

• The best travel health insurance for 60 year old travelling to the US is Atlas America .
• With the best travel insurance plans for people under 70 years, you get covered up to policy maximum for acute onset of pre-existing conditions for people up to age 79.
• Atlas Premium is another version of this plan with higher coverage available for some of the benefits as compared to Atlas America.
• You can compare Atlas Travel insurance plans .
• Travel Medical Basic offers coverage up to $5,000 for acute onset of pre-existing condition in including USA and $25,000 for exclusing USA till 65 years.
• Travel Medical Choice Travelers must be at least 14 days old and under 75 years to be covered by this plan.
• You may buy coverage for yourself, your legal spouse, domestic partner, or civil partner, your unmarried children under the age of 19, and your traveling companions.
• The Inbound plans ( Travel Medical USA Visitor Basic , Travel Medical USA Visitor Choice ) cover acute onset of pre-existing conditions for people up to age 79 years.
• Patriot America Plus Plan offer coverage upto choosen plan maximum for travelers under 70 years. This is a comprehensive plan from IMG and is is similar to the Patriot America with the unique difference in the benefit that covers acute onset of pre existing conditions up to the age of 70
• Visitors Protect plan offer maximum limits from $50,000 to $250,000.
• Covers medical evacuation, emergency reunion, repatriation of remains, Accidental Death & Dismemberment, etc.
• Patriot Platinum Plan covers acute onset of pre existing condition up to the age of 70 for up to $1,000,000. $25,000 maximum limit for medical evacuation.
• This is a comprehensive plan and is the plan with excellent coverage.
• This plan covers all pre existing conditions including blood tess, doctor appointments, specialist care...for US and NON US citizens coming to the US, which is unheard of, when it comes to visitor insurance plans.
• This plan provides a maximum of $25,000 for pre existing conditions up to age 69 subjected to a deductible of $1,500.
• Pre-Existing complications from Covid-19 covered.
• This is a comprehensive plan with full pre existing condition coverage which is unique. This includes doctor appointments, blood tests and lab, specialist care, urgent care visits and hospital stays are covered for pre existing condition
• Covid-19 medically necessary testing & treatment covered 100% as any other new sickness with no cost sharing.
• Covers 90% of elgibile medical expenses
• This plan covers eligible accident & sickness (excluding pre-existing conditions) while traveling to USA, Canada, and Mexico
• Minimum purchase of 30 days is required for this plan
• This is a comprehensive plan too but does not cover pre existing condition.
• This is another comprehensive plan from INF.
• This plan differs from the other INF comprehensive plans where it does not cover pre existing conditions.

Older traveler medical insurance for above 70 years

• Safe Travels USA Comprehensive is a very popular option for coverage of acute onset of pre-existing condition for people above 70.
• Seniors travel insurance plan provides a coverage of $25,000 for acute onset of pre- existing condition and for heart related diseases a maximum of $15,000 upon attaining age 70.
• For the age of 65 and above this plan however provides a policy maximum of $50,000 only.
• Atlas America plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• There is also a higher policy maximum option available for people above 70 up to the age of 79.
• Atlas Premium plans from WorldTrips have upgraded their benefits for acute onset of pre-existing conditions up to age 80.
• The highest maximum that can be purchased for a comprehensive plan is Patriot Platinum which offers pre-existing condition coverage up to $2,500 for any condition.
• In the $50,000 range there are many fixed benefit and comprehensive plan options available
• Travelers must be at least 14 days old and under 99 years to be covered by this plan.
• Offers coverage from 90 days to 12 months.
• This plan covers pre existing conditions for ages 70 and above it covers up to $20,000 with deductible up to $1,500.
• Visitors Care which offer limited coverage of $2,500. Visitors care insurance offers coverage for acute onset of pre-existing conditions with sublimits up to chosen plan maximum.
• INF Elite plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• This plan is definitely the most suitable for people with pre existing condition as it is the full pre existing coverage plan.
• INF Elite 90 plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• Pre-existing complications from covid-19 covered.
• Coverage for TDAP, Flu, etc Vaccines.
• INF Elite Plus plan This plan provides a maximum of $20,000 for people over 70 up to the age of 99 for coverage of pre existing conditions.
• INF Traveler USA 90 This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This plan does not cover pre existing conditions including acute onset of pre existing conditions.
• Covers 90% of elgibile medical expenses and minimum purchase of 30 days is required for this plan.
• INF Traveler USA plan This plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.

Senior Citizen travel insurance for above 80 years

• Travel Medical USA Visitor Basic insurance and Travel Medical USA Visitor Choice insurance with a higher deductible and up to $100,000 maximum.
• Inbound Choice Insurance is meant for immigrants to the US with or without green cards renewable up to 3 years, it is also available for any legal visitors to our lovely country.
• Senior Travelers above 90 years are also eligible to buy the Travel Medical USA Visitor Basic and Travel Medical USA Visitor Choice insurance.
• The Safe Travels USA Comprehensive is also very useful for this age group as it provides a policy maximum of $50,000 and provides coverage for acute onset of pre-existing conditions for $25,000 and $15,000 for heart related pre-existing condition.
• Non-US citizens and Non-US residents traveling outside their home country but not to the United States. This includes emergency medical evacuation, repatriation and security evacuation benefits.
• It is ideal for foreign residents visiting USA and then other countries worldwide. Travelers on transit visa in US can also purchase this plan.
• This Policy provides coverage to non-US citizens who reside outside the USA and are traveling outside of their Home Country to visit solely the United States, or to visit a combination of the United States and other countries worldwide.
• This Policy is not available to green card holders in the USA. This Policy is not available to anyone age 90 or above.
• Available for individuals traveling outside their country of residence and traveling to the US, Mexico, or Canada.
• It is available for travelers of ages 14 days to 99 years.
• This plan is available for people traveling to the USA and are not US Citizens, US Residents or Greencard Holders.
• It is available for travelers of ages 70 to 89 years
• INF Traveler USA plan plan provides a policy maximum of $75,000 for people over 70 up to the age of 99.
• This fixed plan from INF provides full pre existing condition coverage which includes doctor appointments, blood tests, specialty care, urgent care visits and hospital stays.
• For age 70 to 99 years for policy maximum $100,000 covers pre-existing condition maximum of $15,000/$25,000 with deductible $1,000/$5,000.

USA visa health insurance, Visitor visa health insurance USA

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B2 visa health insurance for tourists, B2 visa tourist insurance for USA.

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Travel tips for international travelers – safety, comfort and wellness.

Domestic travel insurance for your trip in the USA

Irrespective of whether you are traveling within the country or overseas, US citizens should have good travel insurance coverage. US citizens traveling within the USA can buy domestic travel insurance if they are traveling 100 miles from their primary residence. This travel insurance for domestic vacations is ideal whether within the state or as out of state travel health insurance.

Travel insurance has become extremely useful given the current pandemic and resultant disruptions in the travel industry. Delayed flights due to last minute cancellation of flights, hurricane or inclement weather causing delays in flights or missing flights due to crowded airports and delayed security checks, loss of baggage or baggage delays are common.

The financial loss due to these situations can be significant, especially if it involves an expensive planned vacation with airline tickets, hotel bookings or cruise booking. There are other situations beyond the control of traveler and the traveler is forced to change his or her travel plans. This can be due to the health of the traveler or that of an immediate family member or other work related conditions. These situations are also covered by Travel insurance with the cancel for any reason coverage benefit.

Along with disruption to travel plans, there is also the health of the traveler during the journey itself. An accident or an unanticipated health emergency while traveling will be covered by travel insurance even if one has regular health insurance. The best domestic travel insurance USA can be the secondary insurance and in some instances be the primary insurance and ensure that the travelers expenses is minimised.

How much does travel insurance for your trip in the USA cost?

Estimate cost table for the trip insurance within the usa, international medical group (img), travel lite, trawick international, safe travels voyager, safe travels explorer, safe travels journey, safe travels first class, safe travels single trip, hth worldwide, trip protector economy, trip protector preferred, trip protector classic, seven corners, trip protection basic, trip protection elite, trip protection economy, trip protection choice, factors that determine the cost of us travel insurance plans.

The cost of travel insurance is directly proportional to the age of the traveler. The older the traveler and greater will be the cost of the visitors health insurance.

Comprehensive travel insurance provides exhaustive coverage but is more expensive than fixed benefit insurance which has a specified limit for each treatment.

The price of visitors insurance is directly dependent on the maximum medical coverage and inversely proportional to the deductible of the plan chosen.

Travel insurance depends on the coverage region. The cost for visitor insurance for the United States is most expensive when compared to Europe or Asia.

The cost of travel insurance directly depends on the length of travel. The longer the duration of visitor medical insurance required, the higher will be the cost.

Additional add-on benefits to the basic travel insurance plan like adventure sports coverage, coverage for pre-existing conditions… will add to the overall cost.

Steps to buy US visitor travel insurance online

Step 1: finding all available us travel insurance plans.

Complete the travel insurance quote request form by providing details of the traveler & insurance requirements.

Step 2: Compare different travel health insurance options

Compare the price and the benefits of the different travel insurance options to identify what fits your needs best.

Step 3: Buy the travel insurance you like best and review documents

Buy the plan that fits your requirements and budget best by using a credit card and completing the online application.

Step 4: Review the visitors insurance documents & download visa letter is required

Review the visitors insurance documents & download visa letter is required.

Different types of US Visitors travel insurance

Fixed benefit travel insurance, comprehensive travel insurance.

Comprehensive travel insurance plans provide exhaustive coverage for health expenses up to the policy medical maximum amount. In contrast to fixed benefit plans there are no limits for each benefit. Comprehensive insurance is more expensive when compared to fixed benefit plans but provides significantly better coverage in case of a medical emergency or hospitalisation.

Insurance for travelers from Guam visiting USA

Senior citizens.

US Senior Citizens and pensioners above 65 years require comprehensive health insurance coverage while outside USA as Medicare doesn't offer full coverage outside US national borders.

Annual multi-trip insurance

These plans are ideal for regular international travelers who make many overseas trips annually. The annual multi-trip plans provide coverage for a whole year.

Why American visitor insurance?

• Best temporary usa visitors insurance options
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New US Immigrant health insurance

The Trump administration had introduced rules making it mandatory for prospective new US immigrants to show proof of adequate US health insurance while applying for the immigrant visa. The aim of this mandatory US health insurance for immigrants is to reduce the burden on the US hospitals, the overall US health care system and finally on US tax payers by uninsured new immigrants.

At American Visitor insurance we offer immigrant health insurance plans which work well for prospective new US immigrants. After buying this immigrant medical insurance, customers will immediately receive the health insurance policy document by email. Customers can use this immigrant insurance document as proof of US health insurance while applying for the Immigrant visa. Given this rule as well as the very high cost of healthcare in the US, it is strongly recommended to buy medical insurance for new US immigrants.

New US immigrant insurance blogs

Us immigrant health insurance plans.

Compare popular US immigrant plans suitable for immigrants regardless whether permanently in the US or traveling out or waiting for Green Cards

Difference between visitors and immigrant Insurance

Find out the difference between US visitors insurance and new immigrant insurance. Compare and buy the best immigrant insurance for USA!

US Health insurance mandatory for new US immigrants

The US government has made it compulsory for new immigrants coming to the US to have proper US immigrant health insurance coverage.

Covid travel insurance requirements for Guam residents traveling to the Philippines

The Philippines Inter-Agency Task Force for the Management of Emerging Infectious Diseases (IATF) has made these requirements compulsory for visitors from non-visa required countries for travel to the Philippines:

• Philippines travel insurance with coverage for Covid19 treatment with a minimum of $35,000 USD (approx P1.75 million) for the entire stay in the Philippines.
• A negative RT-PCR Covid test taken 48 hours before the departure from the country of origin.
• Valid return ticket to port of origin or next port of destination no longer than 30 days after arrival in the Philippines.
• A valid passport with validity of at least six months from the time of arrival in the Philippines.

Insurance for Guam residents visiting the USA

Senior citizens.

Senior citizens traveling overseas.

Pre-existing Coverage

Coverage for Pre-existing diseases or ailments.

Student Insurance

Guam students studying overseas.

Travel medical insurance Guam, Travel insurance to Guam from USA links

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FAQs about travel insurance for Guam.

Guam Travel Insurance Blog

Blog about travel health insurance Guam.

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Customer Queries for USA travelers to Guam.

Travel Insurance Claims in Guam

Claims about the travel insurance to Guam.

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• International travel insurance for USA
• US citizens residing outside US and visiting the US.
• USA Green Card holders travel insurance who travel overseas often
• New US immigrant insurance
• International USA travel health insurance for tourists visiting the USA
• Annual travel insurance for US business travelers
• Expatriate health insurance for expats working and living in the United States
• US non-immigrant work visa health insurance for H1B visa holders and H4 visa holders

• US international student health insurance for foreign students in USA (F1 visa / F2 visa holders)
• J visa insurance for US Exchange scholars and their dependents (J1 visa insurance and J2 visa insurance)
• Snowbird travel insurance for USA travelers from Canada and the UK (for warmer USA weather during winter)

US health insurance for tourists to Canada

• International travel insurance for Canada
• International travel insurance for tourists visiting Canada
• Annual travel insurance for US corporate travelers
• US international student health insurance
• Expatriate travel health insurance Expat insurance for US and other expatriates in Canada

US health insurance for travelers to Europe

• International travel insurance for Europe
• Schengen visa travel insurance as required by Schengen consulates
• Travel insurance coverage to insure trip expenses
• Long stay visa travel health insurance for Europe
• Expat insurance for US and other international expatriates in Europe

US health insurance for tourists to the Caribbean

• Travel insurance - Caribbean , Asia , Australia , Africa and South America
• International travel insurance for US tourists and vacationers
• US international student health insurance for US students abroad
• Annual travel insurance for business and corporate travelers
• US Expatriate insurance for expatriates living and working outside their home country

Find the best US visitor insurance coverage - Blogs and Articles

Affordable travel insurance online.

Fixed benefit or scheduled benefit plans are the most affordable international travel insurance plans.

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Buy cheap travel insurance

There are many cheap international insurance plans also known as visitor insurance plans.

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Travel insurance - pre-existing conditions coverage, international travel insurance resources, us visitors insurance providers.

You can find reliable US insurance providers like International Medical Group(IMG), Seven Corners, WorldTrips, Global Underwriters, Travel Insure, GeoBlue, HTH Worldwide and INF insurance.

More tourist medical insurance usa categories

Compare Visitors insurance USA

USA New immigrant Insurance

US visa health insurance

Senior Citizen travel insurance

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J1 Visa health insurance

International student Insurance

Green Card medical insurance

International Medical Insurance

Cruises Travel Insurance

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Guam (U.S.) Traveler View

Travel health notices, vaccines and medicines, non-vaccine-preventable diseases, stay healthy and safe.

• Packing List

After Your Trip

There are no notices currently in effect for Guam (U.S.).

⇧ Top

Check the vaccines and medicines list and visit your doctor at least a month before your trip to get vaccines or medicines you may need. If you or your doctor need help finding a location that provides certain vaccines or medicines, visit the Find a Clinic page.

Routine vaccines

Recommendations.

Make sure you are up-to-date on all routine vaccines before every trip. Some of these vaccines include

• Chickenpox (Varicella)
• Diphtheria-Tetanus-Pertussis
• Flu (influenza)
• Measles-Mumps-Rubella (MMR)

Immunization schedules

All eligible travelers should be up to date with their COVID-19 vaccines. Please see  Your COVID-19 Vaccination  for more information. 

COVID-19 vaccine

Hepatitis A

Recommended for unvaccinated travelers one year old or older going to Guam.

Infants 6 to 11 months old should also be vaccinated against Hepatitis A. The dose does not count toward the routine 2-dose series.

Travelers allergic to a vaccine component or who are younger than 6 months should receive a single dose of immune globulin, which provides effective protection for up to 2 months depending on dosage given.

Unvaccinated travelers who are over 40 years old, immunocompromised, or have chronic medical conditions planning to depart to a risk area in less than 2 weeks should get the initial dose of vaccine and at the same appointment receive immune globulin.

Hepatitis A - CDC Yellow Book

Dosing info - Hep A

Hepatitis B

Recommended for unvaccinated travelers of all ages traveling to Guam.

Hepatitis B - CDC Yellow Book

Dosing info - Hep B

Cases of measles are on the rise worldwide. Travelers are at risk of measles if they have not been fully vaccinated at least two weeks prior to departure, or have not had measles in the past, and travel internationally to areas where measles is spreading.

All international travelers should be fully vaccinated against measles with the measles-mumps-rubella (MMR) vaccine, including an early dose for infants 6–11 months, according to  CDC’s measles vaccination recommendations for international travel .

Measles (Rubeola) - CDC Yellow Book

Guam is free of dog rabies. However, rabies may still be present in wildlife species, particularly bats. CDC recommends rabies vaccination before travel only for people working directly with wildlife. These people may include veterinarians, animal handlers, field biologists, or laboratory workers working with specimens from mammalian species.

Rabies - CDC Yellow Book

Recommended for most travelers, especially those staying with friends or relatives or visiting smaller cities or rural areas.

Typhoid - CDC Yellow Book

Dosing info - Typhoid

Avoid contaminated water

Leptospirosis

How most people get sick (most common modes of transmission)

• Touching urine or other body fluids from an animal infected with leptospirosis
• Swimming or wading in urine-contaminated fresh water, or contact with urine-contaminated mud
• Drinking water or eating food contaminated with animal urine
• Avoid contaminated water and soil

Clinical Guidance

Avoid bug bites.

• Mosquito bite
• Avoid Bug Bites

Airborne & droplet

• Breathing in air or accidentally eating food contaminated with the urine, droppings, or saliva of infected rodents
• Bite from an infected rodent
• Less commonly, being around someone sick with hantavirus (only occurs with Andes virus)
• Avoid rodents and areas where they live
• Avoid sick people

Tuberculosis (TB)

• Breathe in TB bacteria that is in the air from an infected and contagious person coughing, speaking, or singing.

Learn actions you can take to stay healthy and safe on your trip. Vaccines cannot protect you from many diseases in Guam, so your behaviors are important.

Eat and drink safely

Food and water standards around the world vary based on the destination. Standards may also differ within a country and risk may change depending on activity type (e.g., hiking versus business trip). You can learn more about safe food and drink choices when traveling by accessing the resources below.

• Choose Safe Food and Drinks When Traveling
• Water Treatment Options When Hiking, Camping or Traveling
• Global Water, Sanitation and Hygiene | Healthy Water
• Avoid Contaminated Water During Travel

You can also visit the Department of State Country Information Pages for additional information about food and water safety.

Prevent bug bites

Bugs (like mosquitoes, ticks, and fleas) can spread a number of diseases in Guam. Many of these diseases cannot be prevented with a vaccine or medicine. You can reduce your risk by taking steps to prevent bug bites.

What can I do to prevent bug bites?

• Cover exposed skin by wearing long-sleeved shirts, long pants, and hats.
• Use an appropriate insect repellent (see below).
• Use permethrin-treated clothing and gear (such as boots, pants, socks, and tents). Do not use permethrin directly on skin.
• Stay and sleep in air-conditioned or screened rooms.
• Use a bed net if the area where you are sleeping is exposed to the outdoors.

What type of insect repellent should I use?

• FOR PROTECTION AGAINST TICKS AND MOSQUITOES: Use a repellent that contains 20% or more DEET for protection that lasts up to several hours.
• Picaridin (also known as KBR 3023, Bayrepel, and icaridin)
• Oil of lemon eucalyptus (OLE) or para-menthane-diol (PMD)
• 2-undecanone
• Always use insect repellent as directed.

What should I do if I am bitten by bugs?

• Avoid scratching bug bites, and apply hydrocortisone cream or calamine lotion to reduce the itching.
• Check your entire body for ticks after outdoor activity. Be sure to remove ticks properly.

What can I do to avoid bed bugs?

Although bed bugs do not carry disease, they are an annoyance. See our information page about avoiding bug bites for some easy tips to avoid them. For more information on bed bugs, see Bed Bugs .

For more detailed information on avoiding bug bites, see Avoid Bug Bites .

Stay safe outdoors

If your travel plans in Guam include outdoor activities, take these steps to stay safe and healthy during your trip.

• Stay alert to changing weather conditions and adjust your plans if conditions become unsafe.
• Prepare for activities by wearing the right clothes and packing protective items, such as bug spray, sunscreen, and a basic first aid kit.
• Consider learning basic first aid and CPR before travel. Bring a travel health kit with items appropriate for your activities.
• If you are outside for many hours in heat, eat salty snacks and drink water to stay hydrated and replace salt lost through sweating.
• Protect yourself from UV radiation : use sunscreen with an SPF of at least 15, wear protective clothing, and seek shade during the hottest time of day (10 a.m.–4 p.m.).
• Be especially careful during summer months and at high elevation. Because sunlight reflects off snow, sand, and water, sun exposure may be increased during activities like skiing, swimming, and sailing.
• Very cold temperatures can be dangerous. Dress in layers and cover heads, hands, and feet properly if you are visiting a cold location.

Stay safe around water

• Swim only in designated swimming areas. Obey lifeguards and warning flags on beaches.
• Practice safe boating—follow all boating safety laws, do not drink alcohol if driving a boat, and always wear a life jacket.
• Do not dive into shallow water.
• Do not swim in freshwater in developing areas or where sanitation is poor.
• Avoid swallowing water when swimming. Untreated water can carry germs that make you sick.
• To prevent infections, wear shoes on beaches where there may be animal waste.

Keep away from animals

Most animals avoid people, but they may attack if they feel threatened, are protecting their young or territory, or if they are injured or ill. Animal bites and scratches can lead to serious diseases such as rabies.

Follow these tips to protect yourself:

• Do not touch or feed any animals you do not know.
• Do not allow animals to lick open wounds, and do not get animal saliva in your eyes or mouth.
• Avoid rodents and their urine and feces.
• Traveling pets should be supervised closely and not allowed to come in contact with local animals.
• If you wake in a room with a bat, seek medical care immediately. Bat bites may be hard to see.

All animals can pose a threat, but be extra careful around dogs, bats, monkeys, sea animals such as jellyfish, and snakes. If you are bitten or scratched by an animal, immediately:

• Wash the wound with soap and clean water.
• Go to a doctor right away.
• Tell your doctor about your injury when you get back to the United States.

Consider buying medical evacuation insurance. Rabies is a deadly disease that must be treated quickly, and treatment may not be available in some countries.

Reduce your exposure to germs

Follow these tips to avoid getting sick or spreading illness to others while traveling:

• Wash your hands often, especially before eating.
• If soap and water aren’t available, clean hands with hand sanitizer (containing at least 60% alcohol).
• Don’t touch your eyes, nose, or mouth. If you need to touch your face, make sure your hands are clean.
• Cover your mouth and nose with a tissue or your sleeve (not your hands) when coughing or sneezing.
• Try to avoid contact with people who are sick.
• If you are sick, stay home or in your hotel room, unless you need medical care.

Avoid sharing body fluids

Diseases can be spread through body fluids, such as saliva, blood, vomit, and semen.

Protect yourself:

• Use latex condoms correctly.
• Do not inject drugs.
• Limit alcohol consumption. People take more risks when intoxicated.
• Do not share needles or any devices that can break the skin. That includes needles for tattoos, piercings, and acupuncture.
• If you receive medical or dental care, make sure the equipment is disinfected or sanitized.

Know how to get medical care while traveling

Plan for how you will get health care during your trip, should the need arise:

• Carry a list of local doctors and hospitals at your destination.
• Review your health insurance plan to determine what medical services it would cover during your trip. Consider purchasing travel health and medical evacuation insurance.
• Carry a card that identifies, in the local language, your blood type, chronic conditions or serious allergies, and the generic names of any medications you take.
• Some prescription drugs may be illegal in other countries. Call Guam’s embassy to verify that all of your prescription(s) are legal to bring with you.
• Bring all the medicines (including over-the-counter medicines) you think you might need during your trip, including extra in case of travel delays. Ask your doctor to help you get prescriptions filled early if you need to.

Many foreign hospitals and clinics are accredited by the Joint Commission International. A list of accredited facilities is available at their website ( www.jointcommissioninternational.org ).

In some countries, medicine (prescription and over-the-counter) may be substandard or counterfeit. Bring the medicines you will need from the United States to avoid having to buy them at your destination.

Select safe transportation

Motor vehicle crashes are the #1 killer of healthy US citizens in foreign countries.

In many places cars, buses, large trucks, rickshaws, bikes, people on foot, and even animals share the same lanes of traffic, increasing the risk for crashes.

Be smart when you are traveling on foot.

• Use sidewalks and marked crosswalks.
• Pay attention to the traffic around you, especially in crowded areas.
• Remember, people on foot do not always have the right of way in other countries.

Riding/Driving

Choose a safe vehicle.

• Choose official taxis or public transportation, such as trains and buses.
• Ride only in cars that have seatbelts.
• Avoid overcrowded, overloaded, top-heavy buses and minivans.
• Avoid riding on motorcycles or motorbikes, especially motorbike taxis. (Many crashes are caused by inexperienced motorbike drivers.)
• Choose newer vehicles—they may have more safety features, such as airbags, and be more reliable.
• Choose larger vehicles, which may provide more protection in crashes.

Think about the driver.

• Do not drive after drinking alcohol or ride with someone who has been drinking.
• Consider hiring a licensed, trained driver familiar with the area.
• Arrange payment before departing.

Follow basic safety tips.

• Wear a seatbelt at all times.
• Sit in the back seat of cars and taxis.
• When on motorbikes or bicycles, always wear a helmet. (Bring a helmet from home, if needed.)
• Avoid driving at night; street lighting in certain parts of Guam may be poor.
• Do not use a cell phone or text while driving (illegal in many countries).
• Travel during daylight hours only, especially in rural areas.
• If you choose to drive a vehicle in Guam, learn the local traffic laws and have the proper paperwork.
• Get any driving permits and insurance you may need. Get an International Driving Permit (IDP). Carry the IDP and a US-issued driver's license at all times.
• Check with your auto insurance policy's international coverage, and get more coverage if needed. Make sure you have liability insurance.
• Avoid using local, unscheduled aircraft.
• If possible, fly on larger planes (more than 30 seats); larger airplanes are more likely to have regular safety inspections.
• Try to schedule flights during daylight hours and in good weather.

Medical Evacuation Insurance

If you are seriously injured, emergency care may not be available or may not meet US standards. Trauma care centers are uncommon outside urban areas. Having medical evacuation insurance can be helpful for these reasons.

Helpful Resources

Road Safety Overseas (Information from the US Department of State): Includes tips on driving in other countries, International Driving Permits, auto insurance, and other resources.

The Association for International Road Travel has country-specific Road Travel Reports available for most countries for a minimal fee.

Maintain personal security

Use the same common sense traveling overseas that you would at home, and always stay alert and aware of your surroundings.

Before you leave

• Research your destination(s), including local laws, customs, and culture.
• Monitor travel advisories and alerts and read travel tips from the US Department of State.
• Enroll in the Smart Traveler Enrollment Program (STEP) .
• Leave a copy of your itinerary, contact information, credit cards, and passport with someone at home.
• Pack as light as possible, and leave at home any item you could not replace.

While at your destination(s)

• Carry contact information for the nearest US embassy or consulate .
• Carry a photocopy of your passport and entry stamp; leave the actual passport securely in your hotel.
• Follow all local laws and social customs.
• Do not wear expensive clothing or jewelry.
• Always keep hotel doors locked, and store valuables in secure areas.
• If possible, choose hotel rooms between the 2nd and 6th floors.

Healthy Travel Packing List

Use the Healthy Travel Packing List for Guam (U.S.) for a list of health-related items to consider packing for your trip. Talk to your doctor about which items are most important for you.

Why does CDC recommend packing these health-related items?

It’s best to be prepared to prevent and treat common illnesses and injuries. Some supplies and medicines may be difficult to find at your destination, may have different names, or may have different ingredients than what you normally use.

If you are not feeling well after your trip, you may need to see a doctor. If you need help finding a travel medicine specialist, see Find a Clinic . Be sure to tell your doctor about your travel, including where you went and what you did on your trip. Also tell your doctor if you were bitten or scratched by an animal while traveling.

For more information on what to do if you are sick after your trip, see Getting Sick after Travel .

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International travel medical insurance and travel protection

Travel with less worry with safetrip from unitedhealthcare global.

With SafeTrip travel protection plans from UnitedHealthcare Global, you can set off on your next adventure prepared and ready for what comes your way — whether that’s medical, emergency or trip cancellation surprises. Choose the right SafeTrip travel medical insurance or travel protection plan for you, with plans that include medical coverage, trip cancellation, evacuation and other coverage options.

Find SafeTrip travel medical insurance and travel protection options for you

Get coverage to protect yourself and your trip expenses on all of life’s travels.

What is international travel medical insurance?

International travel medical insurance is secondary emergency coverage for people who are leaving their home country and provides coverage while they are outside of their country, whether that’s for a trip, work outside the country, a volunteer trip or any other travel circumstance.  

What does international travel medical insurance cover?

International travel medical insurance typically offers benefits that cover emergency medical, dental and evacuation services. Some plans, like those with added travel protection benefits, cover specific travel-related circumstances, like trip cancellation, trip interruptions or lost baggage.

Why buy international travel medical insurance and travel protection? 

With travel medical insurance and travel protection, you’ll have coverage to help protect your financial investment — and your health and safety. It’s your ticket to help you travel with less stress. Some advantages of choosing travel medical and trip protection include:

Financial protection

Get reimbursement for missed connections, trip delays, cancellations, baggage loss and eligible covered non-refundable expenses 

Health coverage

Ensure you’re covered for medical emergencies and evacuation coupled with assistance coordinating arrangements and more 

Safety and security

Be sure you’re protected — many domestic health insurance plans may not cover medical emergencies while traveling abroad

Explore our top SafeTrip plans for travelers

Our travel protection plans offer flexible benefits for any voyage — from bucket-list trips to out-of-country work and more. These 3 plan choices include coverage for everything from trip delays and cancellations to unexpected health care needs and helpful details like destination profiles and evacuation coverage.

International Travel Medical Plus

Protect yourself with a combination plan that covers unexpected medical needs and unanticipated trip cancellations.

• No deductibles
• Trip cancellation, interruption, delay and baggage coverage
• Medical and security assistance
• Option to add Extreme Sports and Rental car coverage

International Travel Medical

Choose plan options with emergency medical insurance for travel off the beaten path — and anywhere else your trip may take you.

• Up to $1 million for medical expense limit
• Medical evacuation and medical assistance
• Option to add Extreme Sports coverage

Travel Protection

Be prepared by choosing a plan with backup for domestic U.S. trip cancellations, interruptions and delays.

• Full AD&D coverage
• Option to add Rental car coverage

Why choose SafeTrip Travel Medical Insurance from UnitedHealthcare Global?

24/7 support.

Get support from instant customer service, available in more than 100 languages

Global providers

Get connected to quality physicians, clinics and hospitals worldwide 

Around-the-world coverage

Explore coverage options available in more than 150 countries 

All-in-one service

Count on service all within our one company that brings you 45 years of experience

Frequently asked questions about international travel medical plans

Read on to learn more about why international travel medical plans may be right for you. 

Who should buy travel medical insurance?

If you’re traveling abroad, going on a business trip overseas or planning an expensive trip, travel insurance or travel protection may be a good choice for you. It’s a way to be better prepared for the possibility that your trip may be interrupted or canceled or if you experience a medical emergency while away.  It’s coverage that connects you with medical care, travel protection and more.

Nearly every traveler can benefit from the extra protection of travel medical insurance. Some in particular who may want to consider it include:

• Families with children
• Anyone visiting a country that speaks a different language
• Solo travelers
• Travelers to a remote location

What kind of travel insurance is right for me?

SafeTrip travel protection includes 3 plan options for you to choose from. The right plan for you will depend on your situation and the level of coverage that’s important to you.

International Travel Medical Plus is a combination protection plan including travel medical insurance and travel protection (including trip cancellation).

International Travel Medical Plus plans focus on coverage in the event your trip is cancelled or interrupted, but still includes eligible medical expense limits ranging from $50,000 to $150,000.

International Travel Medical provides emergency travel medical coverage including evacuation.

International Travel Medical plans are geared towards travelers who may want more robust medical coverage for unexpected accidents or sickness. These plans start at a minimum medical expense limit of $100,000 and allow for a maximum of $1,000,000.

• Travel Protection plans give you coverage if your trip is interrupted, delayed or cancelled in the U.S. — domestic travel only.

Does my health insurance work internationally?

Many health insurance plans do not cover you when you are out of the country. For those that do, the coverage is often limited and requires you to pay at the time of service, save receipts and file for reimbursement once you get home. 

In case of a medical or dental emergency while in another country, this could require you to spend a large amount of your own personal funds or charge significant amounts on credit cards while you are still traveling.

Travel medical insurance plans typically cover emergency medical and dental costs. Emergency transportation costs, such as ambulance or air lift, also are often covered, as are emergency evacuations that would get you from a remote location to appropriate medical care.

How much is travel insurance? ​

While travel insurance, or travel protection, is often more expensive than travel medical insurance, these plans give you the additional assurance that you are covered against the financial loss due to covered reasons under the policy. Travel protection costs are based on the total trip cost and can therefore vary by trip.  

Travel medical insurance, on the other hand, only covers you for any medical emergencies or medical evacuations and is often cheaper than the combined plans offering travel medical insurance and trip protection in one. 

How long before traveling should you get travel insurance?​

It is generally recommended to purchase travel insurance as soon as you have made any non-refundable payments towards your trip. This helps to ensure that you are covered for any unforeseen circumstances that may arise before your departure. A SafeTrip policy can be purchased as little as 24-hours or one full day prior to travel departure.

Are non-medical benefits available with travel medical insurance?

Even if you’re facing a non-medical challenge, UnitedHealthcare Global SafeTrip plans are here for you with support and assistance. You can call our 24/7 Emergency Response Center to assist with lost or stolen passports, legal referrals, translation services, emergency transfer of funds and a host of other non-medical problems. Please refer to your policy for details.

How do I make a claim if I have a travel medical plan?

If you currently have a SafeTrip plan and you need to make a claim, follow these simple steps:

• Visit CBP Connect
• Follow the instructions on screen

For additional questions:

Call:  1-877-693-8530

Email:  [email protected]

Ready for your next travel adventure?

Get travel tips and information to help you on your way. 

Explore more supplemental plans

View more plans, like dental, vision and other cash-benefit plans, that offer coverage for expenses not covered by a medical plan.

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

Allianz Travel Insurance »

Seven Corners »

GeoBlue »

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

• Allianz Travel Insurance
• Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

• Allianz Travel Insurance: Best Overall
• Seven Corners: Best for Families
• GeoBlue: Best for Expats
• WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

• Up to $50,000 in emergency medical coverage
• Up to $250,000 in emergency medical evacuation coverage
• Up to $2,000 in coverage for baggage loss and damage
• Up to $600 in baggage delay insurance
• Up to $1,000 for travel delays
• Up to $10,000 in travel accident insurance
• 24-hour hotline assistance
• Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

• Up to $5 million in comprehensive medical coverage
• Up to $500,000 in emergency evacuation coverage
• Up to $10,000 in coverage for incidental trips to home country
• Up to $25,000 in coverage for terrorist activity
• Up to $500 in accidental dental emergency coverage
• Up to $100 per occurrence in coverage for emergency eye exams
• $50,000 in coverage for local burial or cremation
• 24/7 travel assistance
• Up to $25,000 in coverage for accidental death and dismemberment per traveler
• Up to $500 for loss of checked baggage
• Up to $5,000 for trip interruptions
• Up to $100 per day for trip delays
• Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

• Up to $250,000 in coverage for emergency medical evacuation
• Up to $25,000 for repatriation of mortal remains
• $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

• Up to $1,000,000 of maximum coverage
• Up to $1,000,000 for emergency medical evacuation
• Up to $10,000 for trip interruptions
• Up to $1,000 for lost checked luggage
• Up to $100 per day for travel delays
• Up to $25,000 in personal liability coverage
• Medical coverage for eligible expenses related to COVID-19
• Ability to add coverage for your spouse and/or child(ren)
• Repatriation of remains coverage up to overall limit
• Up to $5,000 for local burial or cremation 
• $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Is Travel Insurance Worth It? Yes, in These 3 Scenarios

These are the scenarios when travel insurance makes most sense.

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Travel Guide

Our Guam Travel Guide

Guam is known for its exceptional diving opportunities, with a wide range of options to choose from, including reefs, shipwrecks, and more. The waters around Guam are home to an impressive array of marine life, with over 200 species of coral and more than 60 dive sites to explore. Divers will be amazed by the diversity and abundance of marine life found in Guam's waters.

Reasons why you should get travel insurance for your next trip

Medical cost, flight cancellation, lost baggage, natural disasters and island activities, main facts about guam, your guam bucket list.

If you're in Guam, you HAVE to do these things: 1. Snorkeling at The Tumon Beach. 2. Go Dolphin and Whale watching. 3. Visit Dulce Nombre De Maria Cathedral-Basilica. 4. Take a drip to Apra Harbor. 5. Explore Chamorro Village Market. 6. Take on a river cruise. 7. Hike Mount Lamlam. 8. Take a cultural trip to the Pacific War Museum. 9. Parasail at the Coco Island Resort. 10. Swim with Sharks.

Traveller, there are no paths. Paths are made by walking        

From our news.

Is travel insurance worth it? We look into the pros and cons of holiday cover and ask, should you get travel insurance?

Couples travel guide compiled the loveit coverit travel insurance team, discover the best places in the world to explore together.

Travel hacks using dating apps, how you can use dating apps in an alternative way to enhance your travel experience overseas.

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Guam Travel Insurance

If you are planning a trip to Guam you may highly benefit from our Guam Travel Insurance.

best places to visit in guam

Tumon beach.

Located in the municipality of Tamuning, Tumon Beach is a major part of Guam’s tourist industry. This stunning beach is lined by a palm tree-fringed sidewalk full of lavish beach resorts and hotels.

A string of upmarket restaurants and bars line the shore, creating a festive atmosphere that continues into the early hours. And despite the crowds, Tumon is an idyllic spot to soak up some rays or partake in your favorite water sport. If you prefer something a little more secluded, Guam has plenty of blissful empty beaches to explore. Talofofo is worth a look for its unique green sand, while Gun Beach and Ritidian Beach offer natural beauty away from the masses.

Ritidian Point

Ritidian Point lies within the Guam National Wildlife Refuge , a 4.8 km 2 park that’s teeming with native fauna. The Wildlife Refuge is composed of three units: the Andersen Air Force Base Overlay Unit (Air Force Overlay Unit), the Navy Overlay Unit, and the Ritidian Unit.

The Ritidian Point is located on the northern tip of Guam about 35 minutes from Tumon. Tree snails, Mariana fruit bats, geckos, toads, butterflies, and monitor lizards are just some of the species that roam the thick jungle. Exploring is easy, as the refuge has 3 family-friendly nature trails to traverse: Latte Loop, Nature, and Ritidian Caves. After working up a sweat on the trails, you can cool off in the crystal-clear waters of Ritidian Beach for some much-needed rest.

Continents:

The European continent is located completely in the northern hemisphere and mainly in the eastern hemisphere. Europe borders onto the Arctic Ocean in the North, the Atlantic Ocean in the west and the Mediterranean Sea in the South. There are 50 countries in Europe with a total of more than 748 million people living on the continent in 2021.

There are 49 countries in Asia according to the UN. The 10 biggest countries are listed in the right column of this page. Two of the Asian countries, Russia and Turkey, also share part of their territory on the European continent. Additionally there are two countries that only have limited international recognition: State of Palestine and Republic of China/Taiwan and some dependencies. Asia is the most populous continent with more than 4.7 billion people living there. (2022)

There are 54 countries in Africa – and 9 dependent territories. More than 1.3 billion people live on the African continent. This means about 15% of the world’s total population live in Africa! Even though Nigeria is only a third of the size of Algeria, it is the most populous country in Africa, with more than 219 million people.

NORTH AMERICA

Oceania is in a continental group consisting of 14 countries and includes Pacific islands and Australia. Often Australia is named as a continent, but this means that the many islands and countries except Australia would then be not included. Oceania in fact is mostly ocean and spans a vast area as you can see below.

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Explore the area.

Guam Regional Medical City (GRMC) is a 136-bed acute care hospital in located Dededo, offering world-class medical care to the residents of Guam as well as the CNMI, Palau, the FSM and the Marshall Islands. GRMC provides a full range of medical services tailored to the health care needs of the communities they serve. This means being a center of excellence for cardiac care, advanced stroke care, comprehensive cancer care and treatment for diabetes. GRMC provides patients the knowledge they need to make healthy lifestyle choices to improve their health and prevent disease.

Why You Want to Work Here

Traveler Specific Information

Working at Guam Regional Medical City (GRMC) offers a unique opportunity for travelers to live in the island region of Micronesia. Before accepting a contract at GRMC, there are a few things travelers should prepare for. In order to be hired at GRMC, Compact Licenses are required for travelers. Finding housing on the island can also be challenging. Researching housing prior to accepting a contract and securing housing as soon as possible once a contract is accepted is recommended. For nurses looking to secure Aya-sponsored housing, let your recruiter know as soon as possible so that Aya’s housing team has enough time to secure a unit. Finally, due to the international nature of this assignment, the Aya-Sponsored Aetna medical plans will only cover emergencies. For emergencies, coverage is considered out-of-network and is handled on a reimbursement basis with much lower coverage limits. Prescriptions (unless related to an emergency) and non-emergency situations are not covered. It is highly recommended that clinicians traveling to Guam purchase supplemental travel medical insurance coverage as needed. Beginning December 1, 2021, Aya will offer comprehensive medical, dental and vision insurance (including prescription coverage) for travelers in Guam. Ask your recruiter for details.

Advanced Medical Services

GRMC features best-in-class emergency, ambulatory and acute care for its patients. The emergency department features treatment, trauma, observation and isolation facilities, all fully staffed by seasoned nurses and hospitalists. The cancer and infusion centers provide comprehensive care and the most advanced treatments in the Western Pacific. The hospital also offers life-saving cardiovascular and neurovascular care that was previously unavailable on the island, including a state-of-the-art cardiac catheterization laboratory. Experienced cardiothoracic and neurosurgeons have performed successful open heart, spinal and brain surgeries that in the past, would have required off-island emergency transport. GRMC’s imaging and laboratory services facilitate the accurate and timely diagnoses required to support the specialty treatments provided to patients of the hospital. GRMC’s advanced diabetes care gives patients limb-saving hyperbaric treatments to decrease the need for amputation. GRMC provides specialty services not provided anywhere else in the region.

Community Outreach

The HeartBeat is an Outreach and Community Support Program started by GRMC. The HeartBeat program allows GRMC to conduct and take part in outreach programs in addition to supporting local community events. The mission of the program to build community awareness and education on health within the island community. Community events include the Think Pink Social that raises awareness for breast cancer and the Weekly Walk initiative which encourages regular exercise and promotes healthier lifestyle choices to community members.

Clinician Testimonial

Watch this video to learn about working at this facility!

Know Your Neighborhood

Population:  44,943 Median Age:  31 Avg. Rent for a 1-bedroom apartment: $1,425

Things To Do

Hila'an Beach and Mushroom Rock

The tranquil Hila’an Beach features reef snorkeling, ocean side hikes and pristine beaches. Just off the shore visitors can find a unique attraction – mesmerizing “mushroom” rock formations that stick out of the water.

Under Water World

Under Water World is home to the Guam Aquarium Complex where visitors can immerse themselves in an Ocean Safari, observing sharks, rays, groupers, barracudas, jelly fish and other sea life. Guests can choose to extend their adventure by diving with sharks, going on an underwater helmet diving tour or eating a meal aquarium side at Dinner Under the Sea.

Dededo Morning Market

Shop like a local at the Dededo Morning Market. Early risers can purchase fresh produce and fish, then grab a bite to eat at one of the local vendors. Fruits and vegetables sold at the market are only ones that can be grown on the island, giving shoppers a unique assortment of local favorites like jackfruit and taro. On the weekends, you can also find many vendors selling souvenirs.

Interested in this facility?

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Choose the plan that meets your needs and spend more time enjoying your international experience not worrying about your insurance coverage.

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What type of coverage do you need?

Vacation / holiday, visitor / immigrant, student / scholar, employer / business traveler, expat / global citizen, mission / social good, marine captain / crew.

• Flights / Airfare
• Cruises / Excursions

Travel Medical Insurance

Temporary coverage for accidents, sicknesses, & emergency evacuations when visiting or traveling outside of your home country.

Popular Plans

International health insurance.

Annually renewable international private medical insurance coverage for expats and global citizens living or working internationally.

Travel Insurance

Coverage designed to protect you from financial losses should your trip be delayed, interrupted, or cancelled.

Enterprise Services

Meet your duty of care obligations with confidence, knowing your travelers are safe, healthy, and connected wherever they may be in the world.

What type of organization do you represent?

• Corporations
• Insurance Companies
• Educational Institutions
• Mission Organizations
• Maritime Industries
• Government Agencies
• Non-Profit Organizations

Medical & Travel Assistance

Your travelers can access 24/7 global support should they need medical attention, travel assistance, or medical transport services.

Global Workers' Compensation Case Management

Rest assured knowing you have an experienced team who is committed to reducing your costs, moving your files forward, and serving as an international resource for all your work injury claims.

Security Assistance Services

Keep your travelers safe, no matter where they are, with real-time alerts and intelligence on safety, health, political, and other global risks.

Insurance Administrative Services

You’ll have experts to guide you through all things related to your health care plan needs, from enrollment to claim reimbursement.

See Prices & Compare Our Travel Medical Plans

T ravel Medical Insurance protects you in the event of an illness or injury when traveling outside of your country of residence. It provides key medical benefits in case of an emergency.

Traveling abroad is an exciting experience, but unpredictable illnesses and accidents can happen. Even worse, the resulting medical bills can be overwhelming. The level of international medical coverage provided by your domestic insurance provider can vary greatly depending on your plan, so you may have very limited coverage or no coverage at all. A travel medical insurance plan can provide the coverage you need. For more information, check out our blog: " How to Choose the Best Travel Medical Insurance Plan ."

Travel medical coverage is ideal for:

• International vacationers
• Relatives visiting from overseas
• People going on cruises, safaris or guided tours
• International business travelers
• Students studying abroad

International Medical Group ®  (IMG ® ) also offers travel insurance  that protects your health as well as your trip costs and travel expenses. And if you need long-term medical coverage, check out our  international health insurance . IMG plans include a wide range of medical benefits, protection, and support should a problem arise.

Popular Travel Medical Plans Ideal for Traveling Outside of Your Home Country

Patriot Platinum Travel Medical Insurance

Temporary first-class health insurance for individuals, families, and groups

• COVID-19 coverage for travelers to the U.S.
• Coverages for inside and outside the U.S. ( Patriot America Platinum / Patriot International Platinum )
• Short-term travel medical coverage
• Coverage for individuals, groups, and their dependents
• Higher Limits & More Coverage than Patriot Lite Travel or Patriot Plus
• Freedom to seek treatment with hospital or doctor of your choice

Summary of Benefits

iTravelInsured Travel SE

• Family-friendly plan for domestic and international destinations
• Trip cancellation maximum benefit up to 100% of trip cost
• Trip interruption maximum benefit up to 150% of trip cost
• Up to $125 per day per person to a maximum benefit of $2,000 for trip delay
• $500,000 maximum benefit for medical evacuation and repatriation of remains

Plan Benefits

The iTravelInsured Travel SE program is our most popular plan for domestic and international destinations. Travel Insurance benefits are available whether traveling on a cruise, tour or vacation abroad.

Patriot America Plus

Temporary health insurance for non-U.S. residents traveling to the USA

• Coverage for inside the U.S.
• Made for individuals, groups, and their dependents
• Coverage for Acute Onset of Pre-Existing Conditions*

Additional Travel Medical Insurance Plans

Patriot Lite Travel Medical Insurance

Temporary health insurance for individuals, families, and groups when traveling outside of your home country.

Visitors Care

Temporary fixed coverage health insurance for non-U.S. residents when traveling outside of your home country.

Student & Scholar Insurance

Student health insurance plans tailored to fit the needs of international students involved in educational or cultural exchange.

GlobeHopper Senior

Temporary health insurance for travelers age 65+ when traveling outside of your home country.

Patriot Multi-Trip Travel Medical Insurance

Annual multi-trip travel medical insurance for individuals, families and groups.

Outreach Travel Medical Insurance

Temporary health insurance for missionaries and mission groups when traveling outside of your home country.

Need Extra Protection and Coverage?

Explore our travel insurance options.

Why Do I Need Travel Medical Insurance?

D epending on where you travel, you may encounter language and currency barriers that prevent you from accessing high-quality medical care. Check out IMG’s Why You Need Travel Medical Insurance Now More Than Ever to learn more about some of these challenges.

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.

Get even more information by checking out our article,  “Do I Need Travel Medical Insurance?”

How Much Does Travel Medical Insurance Cost? Less than $3 per day for an average plan.

Like other travelers, you may be wondering if the coverage is worth the cost. It may surprise you to learn that IMG’s travel medical plans can cost less than $3 per day (based on an average plan) and can provide coverage worth well beyond your initial cost. Pick a plan and get protected.

Factors that Determine Cost The cost of a plan varies based on many factors including:

Age of traveler.

Age is one of the primary factors that determines insurance rates. Each IMG plan has a complete breakdown of insurance rates based on ages that can be found in the plan brochure.

Destination

Medical expenses vary around the world. To provide the best balance of coverage and cost, plan coverage rates may be different for a traveler visiting the United States than they are for a traveler in a destination where healthcare is less expensive.

Duration of Trip

A breakdown of daily rates and monthly rates can be found in IMG plan brochures. If you need long-term coverage (1 year or more), view our international health insurance plans .

Deductible, Maximum Limit, & Additional Optional Coverage

Customize your plan by choosing the deductible amount, maximum limit, and any optional rider that is best for you.

When Is Travel Health Insurance required? Some countries may require you to purchase travel health insurance to gain entry.

Traveling to schengen countries.

Schengen countries require visa applicants to prove they have travel medical insurance to cover expenses for repatriation, urgent medical attention, emergency hospital treatment and more. Read our blog about  Countries that Require Travel Medical Insurance for Entry to learn more.

Other Situations

You may also be required to purchase travel health insurance depending on the purpose of your trip. The U.S., for example, requires those traveling on a J1 or J2 visa to maintain a certain level of medical coverage for the duration of their stay. However, if you're visiting the U.S. on a B2 visa, a travel medical insurance plan is only recommended. Find out How to Choose the Best Visitor Insurance Plan for You .

Travelers embarking on other trips — such as organized tours, working holiday schemes, mission trips, and cruises — may also be required to purchase coverage.

These are just a few reasons when you would be required to purchase Travel Medical Insurance. See the full list for 6 Times You Need to Purchase Travel Medical Insurance.

Recent Blog Articles

Where can you travel internationally right now.

There are many international destinations that you can currently visit, but here are eight popular spots to consider for your next leisure getaway.

Frequently Asked Questions

If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

As non-resident aliens, international students on F, J, M and Q visas (and certain family members of students) are not subject to the individual mandate for their first 5 years in the U.S. All other J categories (teacher, trainee, work and travel, au pair, high school, etc.) are not subject to the individual mandate for 2 years (out of the past six).

Since international students are not subject to the mandate, they are not required to purchase a plan that meets PPACA requirements and can purchase an appropriate IMG plan.

International Students – Exempt as Non-Resident Aliens

Under the IRS international student exemption , anyone “temporarily in the United States on an “F”, “J”, “M”, or “Q” visa for the primary purpose of studying at an accredited academic institution or vocational school (and certain family members of students), and who substantially complies with the requirements of that visa,” is exempt from being treated as a resident alien, and is therefore exempt from the individual mandate as a non-resident alien.

That exemption applies for 5 years. After 5 years, a student is no longer exempt, and the substantial presence test must be applied. See examples here .

Even after 5 years in the U.S., an international student may continue to be a non-resident alien for tax purposes under the “Closer Connection” exception if they can prove that they still have a closer connection to their home country than to the U.S.

The Individual Mandate and Alien / Non-Alien Status

The IRS provides a questions and answers page on the individual mandate. Question 11 asks whether all individuals living in the U.S. are subject to the mandate. The answer is that U.S. citizens and permanent legal residents are subject to the mandate, as are “foreign nationals who are in the U.S. long enough during a calendar year to qualify as resident aliens for tax purposes.” Thus, non-resident aliens are not subject to the individual mandate, even if they have to file a tax return.

Am I a Resident or Non-Resident Alien?

The IRS states that you are a non-resident alien unless you meet either the green card test or the substantial presence test.

Under IRS Publication 519 , Tax Guide for Aliens (the green card test), green card holders are resident aliens for tax purposes. The substantial presence test uses a formula to count the number of days present in the U.S. over the past 3 years. Generally, you a resident alien after six months of presence in the U.S. – unless you are exempt.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. However, since most PPACA plans do not provide the types of international benefits and assistance that travelers need, you should strongly consider purchasing an international travel medical plan such as IMG’s Patriot Lite Travel Medical Insurance for coverage while you travel outside of the U.S.

If you are a U.S. citizen, national or an “alien lawfully present” in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Individuals not residing in the U.S.
• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes). See Am I a Resident or Non-Resident Alien?
• Individuals with a coverage gap of less than 3 months.
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of
• household income).
• Individuals with a religious conscience exemption (applies only to certain faiths).
• Members of a health care sharing ministry.
• Incarcerated individuals.
• Individuals with income below the tax filing threshold; and
• Members of Indian tribes

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs.

However, please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

IMG’s international travel medical products are not a substitute for minimum essential coverage that you may need to have under PPACA. If you are a U.S. citizen, national or legal resident alien in the U.S., you will need to maintain minimum essential coverage unless you are exempt. Exemptions include:

• Non-U.S. citizens who are “non-resident aliens” (for U.S. income tax purposes).  See Am I a Resident or Non-Resident Alien? 
• Individuals with a coverage gap of less than 3 months
• Individuals who cannot afford coverage (i.e. required contribution exceeds 8% of household income)
• Individuals with a religious conscience exemption (applies only to certain faiths)
• Members of a health care sharing ministry
• Incarcerated individuals

You will not need PPACA coverage for short-term travel to the U.S., unless you are considered an “alien lawfully present” in the U.S. See I am a Non-U.S. citizen covered under a Global Medical Insurance Plan .

In general, PPACA does not govern short-term limited duration insurance, like IMG’s short-term travel medical insurance programs .

However please understand that under PPACA, as of January 1, 2014, extensions of short-term coverage will be limited to less than 12 months to meet the definition of a short-term limited duration plan.

The "Patient Protection and Affordable Care Act," commonly known as PPACA, was first introduced as a measure to deal with rising healthcare costs and numbers of uninsured.

The heart of PPACA consists of three provisions: guaranteed issue (insurers must offer coverage regardless of the applicant's health status or pre-existing conditions), community rating (insurers must offer policies within a given territory at the same price regardless of health status, age, gender, or other factors), and an individual mandate. The individual mandate assures that everyone has a minimum amount of coverage: those above a certain annual income are required to purchase coverage or incur a tax penalty; those who cannot afford it will have their coverage paid for by the government.

As PPACA continues to be implemented and challenged throughout the country, understanding the issues and implications for the international insurance industry and your business becomes all the more important.

Insurance prices are regulated by the government - you won't find a better price on IMG insurance plans anywhere else.  

IMG plans provide you access to more than 17,000 providers through our International Provider Access (IPA) while you're outside of the United States. Our multilingual customer service centers, claims administrators, and 24-hour emergency care coordinators are ready if the unforeseen does happen during your mission trip. 

Visitors should plan to get insurance after they plan their trip and receive their visa, but before they arrive in the U.S. The effective dates for coverage should match their visa.

If you were to suffer an injury or get sick while visiting the United States, you might be surprised by the cost of medical care. You may also be surprised by the limited assistance your domestic insurance provider can provide while you're visiting. Visitor insurance coverage in the U.S. helps to ensure that you don't incur any unforeseen expenses, receive excellent care, and get home quickly and safely if anything were to happen during your visit. 

In addition to the medical and health coverage, healthcare provider access, and other benefits you expect from IMG plans, we offer missionary-specific insurance benefits like coverage for furlough and political evacuations. See your plan befits information for more!

Once your plan is purchased and you have your plan documents, you will have the information you'll need to complete your school's waiver. 

Check with your school to get your waiver status. 

To show proof of insurance, simply download or print a copy of the ID card and/or confirmation letter and provide it to your school's program administrator.

IMG plans include customization options and add-ons, including add-on coverage for high school sports, interscholastic, intramural, or club sports, personal liability and legal assistance. 

If you are applying for coverage under the Patriot series of plans, IMG will process your application and send your ID card and other documents within one business day. If you are applying for coverage under the Global or Group series, IMG will process your application within three to four business days following the receipt of all required information, and your materials will be forwarded the same day coverage is approved. Every attempt will be made to process your application timely. The specific time frame depends largely on the type of coverage for which you are applying. 

This is not an offer to enter into an insurance contract. This is only a summary and shall not bind the company or require the company to offer or write any insurance at any particular rate or to any particular group or individual. The information on this page does and will not affect, modify or supersede in any way the policy, certificate of insurance and governing policy documents (together the "Insurance Contract"). The actual rates and benefits are governed by the Insurance Contract and nothing else. Benefits are subject to exclusions and limitations.

Select why you are away from home.

Get plan recommendations and helpful resources., government services.

• "Although one hopes never to use travel insurance, IMG was a godsend throughout our ordeal. We couldn’t have done it without your continued assistance." Joan D. United States

" I took comfort in the fact that IMG had my back. "

While skiing in Chile, Mark, an IMG member, found himself on the brink of paralysis.

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Consumer Assistance in Guam

Contact your state department of insurance to get consumer help with a health insurance problem or question .

Medicaid in Guam

States and territories have different rules about who qualifies for Medicaid. You can find out if you can get Medicaid in Guam right now .

Shop Health Insurance Marketplace® in Guam

If your small business is located in Guam, you’re not eligible to use the SHOP Marketplace to enroll your employees in health coverage. Check with an agent, broker, or insurance company to learn about health coverage options for your employees.

SHOP Health Insurance Marketplace® for Employees in Guam

If you live in Guam, you’re not eligible to use the SHOP Marketplace to enroll in health coverage. Check with your territory’s government offices to learn about Medicaid and CHIP .

Health Insurance Marketplace® in Guam

If you live in Guam, you’re not eligible to use the Marketplace to enroll in health coverage. Check with your territory’s government offices to learn about Medicaid, CHIP, and other health care options.

CHIP in Guam

The Children’s Health Insurance Program (CHIP) covers uninsured children in families with moderate incomes that are too high to qualify for Medicaid. You can find out whether your children qualify for CHIP right now. Learn more about CHIP in Guam .

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COVID-19: travel health notice for all travellers

Guam travel advice

Latest updates: Health – editorial update

Last updated: March 13, 2024 15:06 ET

On this page

Safety and security, entry and exit requirements, laws and culture, natural disasters and climate, guam - take normal security precautions.

Take normal security precautions in Guam

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Petty crime, such as pickpocketing and purse snatching, occurs.

Ensure that your personal belongings, including your passport and other travel documents, are secure at all times.

Water activities

Tidal changes can cause powerful currents and riptides are common.

• Consult residents and tour operators for information on possible hazards and safe swimming areas
• Follow the instructions and warnings of local authorities

Tour operators may not adhere to international standards.

If you undertake adventure sports, such as diving:

• choose a well-established and reputable company that has insurance
• ensure that your travel insurance covers the recreational activities you choose

If in doubt concerning the safety of the facilities or equipment, don’t use them.

Water safety abroad

Adventure tourism

If you engage in adventure tourism:

• never do so alone
• always hire an experienced guide from a reputable company
• buy travel insurance that includes helicopter rescue and medical evacuation
• ensure that your physical condition is good enough to meet the challenges of your activity
• ensure that you’re properly equipped
• ensure that you’re well informed about weather and other conditions that may pose a hazard
• inform a family member or friend of your itinerary
• obtain detailed information on each activity before setting out

Unexploded ordnance

Unexploded ordnance from World War II may pose a risk in certain areas, including beaches, construction areas, farms and diving spots. Their presence is not always indicated.

• Avoid travelling after daylight hours in unlit areas
• Avoid areas where sunken vessels or planes have been reported
• Don’t touch war remnants and unknown items and report these to local authorities

Road safety

Road conditions and road safety can vary greatly throughout Guam.

Major roads are paved, but may be poorly maintained and lit. There are no sidewalks outside the central business districts in Hagåtña and Tamuning.

Driving conditions may be hazardous during the rainy season. Roads in southern Guam flood easily.

• Avoid driving after dark
• Be particularly vigilant during the rainy season
• Be mindful of stray animals
• Be vigilant when walking in areas without sidewalks

Public transportation

Buses are available, but unreliable and slow.

Taxis are generally safe. Some drivers may overcharge their clients.

• Use only officially marked taxis
• Negotiate fares in advance, or insist that the driver use the meter

We do not make assessments on the compliance of foreign domestic airlines with international safety standards.

Information about foreign domestic airlines

Guam is a territory of the United States.

Every country or territory decides who can enter or exit through its borders. The Government of Canada cannot intervene on your behalf if you do not meet your destination’s entry or exit requirements.

We have obtained the information on this page from the U.S. authorities. It can, however, change at any time.

Verify this information with the  Foreign Representatives in Canada .

Entry requirements vary depending on the type of passport you use for travel.

Before you travel, check with your transportation company about passport requirements. Its rules on passport validity may be more stringent than the country’s entry rules.

Regular Canadian passport

Your passport must be valid for the duration of your stay in Guam.

Passport for official travel

Different entry rules may apply.

Official travel

Passport with “X” gender identifier

While the Government of Canada issues passports with an “X” gender identifier, it cannot guarantee your entry or transit through other countries. You might face entry restrictions in countries that do not recognize the “X” gender identifier. Before you leave, check with the closest foreign representative for your destination.

Other travel documents

Different entry rules may apply when travelling with a temporary passport or an emergency travel document. Before you leave, check with the closest foreign representative for your destination.

Useful links

• Foreign Representatives in Canada
• Canadian passports

Visas and other entry requirements

Confirm entry, exit and visas requirements prior to travelling:

• Entry and exit requirements for the United States
• U.S. Customs and Border Protection (CBP)
• Embassy and Consulates of the United States in Canada

Children and travel

Learn more about travelling with children .

Yellow fever

Learn about potential entry requirements related to yellow fever (vaccines section).

Relevant Travel Health Notices

• Global Measles Notice - 13 March, 2024
• COVID-19 and International Travel - 13 March, 2024

This section contains information on possible health risks and restrictions regularly found or ongoing in the destination. Follow this advice to lower your risk of becoming ill while travelling. Not all risks are listed below.

Consult a health care professional or visit a travel health clinic preferably 6 weeks before you travel to get personalized health advice and recommendations.

Routine vaccines

Be sure that your  routine vaccinations , as per your province or territory , are up-to-date before travelling, regardless of your destination.

Some of these vaccinations include measles-mumps-rubella (MMR), diphtheria, tetanus, pertussis, polio, varicella (chickenpox), influenza and others.

Pre-travel vaccines and medications

You may be at risk for preventable diseases while travelling in this destination. Talk to a travel health professional about which medications or vaccines may be right for you, based on your destination and itinerary. 

Yellow fever is a disease caused by a flavivirus from the bite of an infected mosquito.

Travellers get vaccinated either because it is required to enter a country or because it is recommended for their protection.

• There is no risk of yellow fever in this country.

Country Entry Requirement*

• Proof of vaccination is not required to enter this country.

Recommendation

• Vaccination is not recommended.

* It is important to note that country entry requirements may not reflect your risk of yellow fever at your destination. It is recommended that you contact the nearest diplomatic or consular office of the destination(s) you will be visiting to verify any additional entry requirements.

About Yellow Fever

Yellow Fever Vaccination Centres in Canada

There is a risk of hepatitis A in this destination. It is a disease of the liver. People can get hepatitis A if they ingest contaminated food or water, eat foods prepared by an infectious person, or if they have close physical contact (such as oral-anal sex) with an infectious person, although casual contact among people does not spread the virus.

Practise  safe food and water precautions and wash your hands often. Vaccination is recommended for all travellers to areas where hepatitis A is present.

Measles is a highly contagious viral disease. It can spread quickly from person to person by direct contact and through droplets in the air.

Anyone who is not protected against measles is at risk of being infected with it when travelling internationally.

Regardless of where you are going, talk to a health care professional before travelling to make sure you are fully protected against measles.

  Hepatitis B is a risk in every destination. It is a viral liver disease that is easily transmitted from one person to another through exposure to blood and body fluids containing the hepatitis B virus.  Travellers who may be exposed to blood or other bodily fluids (e.g., through sexual contact, medical treatment, sharing needles, tattooing, acupuncture or occupational exposure) are at higher risk of getting hepatitis B.

Hepatitis B vaccination is recommended for all travellers. Prevent hepatitis B infection by practicing safe sex, only using new and sterile drug equipment, and only getting tattoos and piercings in settings that follow public health regulations and standards.

Coronavirus disease (COVID-19) is an infectious viral disease. It can spread from person to person by direct contact and through droplets in the air.

It is recommended that all eligible travellers complete a COVID-19 vaccine series along with any additional recommended doses in Canada before travelling. Evidence shows that vaccines are very effective at preventing severe illness, hospitalization and death from COVID-19. While vaccination provides better protection against serious illness, you may still be at risk of infection from the virus that causes COVID-19. Anyone who has not completed a vaccine series is at increased risk of being infected with the virus that causes COVID-19 and is at greater risk for severe disease when travelling internationally.

Before travelling, verify your destination’s COVID-19 vaccination entry/exit requirements. Regardless of where you are going, talk to a health care professional before travelling to make sure you are adequately protected against COVID-19.

 The best way to protect yourself from seasonal influenza (flu) is to get vaccinated every year. Get the flu shot at least 2 weeks before travelling.  

 The flu occurs worldwide. 

•  In the Northern Hemisphere, the flu season usually runs from November to   April.
•  In the Southern Hemisphere, the flu season usually runs between April and   October.
•  In the tropics, there is flu activity year round. 

The flu vaccine available in one hemisphere may only offer partial protection against the flu in the other hemisphere.

The flu virus spreads from person to person when they cough or sneeze or by touching objects and surfaces that have been contaminated with the virus. Clean your hands often and wear a mask if you have a fever or respiratory symptoms.

In this destination, rabies  may be present in some wildlife species, including bats. Rabies is a deadly disease that spreads to humans primarily through bites or scratches from an infected animal. 

If you are bitten or scratched by an animal while travelling, immediately wash the wound with soap and clean water and see a health care professional. 

Before travel, discuss rabies vaccination with a health care professional. It may be recommended for travellers who will be working directly with wildlife. 

Safe food and water precautions

Many illnesses can be caused by eating food or drinking beverages contaminated by bacteria, parasites, toxins, or viruses, or by swimming or bathing in contaminated water.

• Learn more about food and water precautions to take to avoid getting sick by visiting our eat and drink safely abroad page. Remember: Boil it, cook it, peel it, or leave it!
• Avoid getting water into your eyes, mouth or nose when swimming or participating in activities in freshwater (streams, canals, lakes), particularly after flooding or heavy rain. Water may look clean but could still be polluted or contaminated.
• Avoid inhaling or swallowing water while bathing, showering, or swimming in pools or hot tubs. 

Insect bite prevention

Many diseases are spread by the bites of infected insects such as mosquitoes, ticks, fleas or flies. When travelling to areas where infected insects may be present:

• Use insect repellent (bug spray) on exposed skin
• Cover up with light-coloured, loose clothes made of tightly woven materials such as nylon or polyester
• Minimize exposure to insects
• Use mosquito netting when sleeping outdoors or in buildings that are not fully enclosed

To learn more about how you can reduce your risk of infection and disease caused by bites, both at home and abroad, visit our insect bite prevention page.

Find out what types of insects are present where you’re travelling, when they’re most active, and the symptoms of the diseases they spread.

There is a risk of chikungunya in this country.  The risk may vary between regions of a country.  Chikungunya is a virus spread through the bite of an infected mosquito. Chikungunya can cause a viral disease that typically causes fever and pain in the joints. In some cases, the joint pain can be severe and last for months or years.

Protect yourself from mosquito bites at all times. There is no vaccine available for chikungunya.

• In this country, risk of  dengue  is sporadic. It is a viral disease spread to humans by mosquito bites.
• Dengue can cause flu-like symptoms. In some cases, it can lead to severe dengue, which can be fatal.
• The level of risk of dengue changes seasonally, and varies from year to year. The level of risk also varies between regions in a country and can depend on the elevation in the region.
• Mosquitoes carrying dengue typically bite during the daytime, particularly around sunrise and sunset.
• Protect yourself from mosquito bites . There is no vaccine or medication that protects against dengue fever.

Animal precautions

Some infections, such as rabies and influenza, can be shared between humans and animals. Certain types of activities may increase your chance of contact with animals, such as travelling in rural or forested areas, camping, hiking, and visiting wet markets (places where live animals are slaughtered and sold) or caves.

Travellers are cautioned to avoid contact with animals, including dogs, livestock (pigs, cows), monkeys, snakes, rodents, birds, and bats, and to avoid eating undercooked wild game.

Closely supervise children, as they are more likely to come in contact with animals.

Person-to-person infections

Stay home if you’re sick and practise proper cough and sneeze etiquette , which includes coughing or sneezing into a tissue or the bend of your arm, not your hand. Reduce your risk of colds, the flu and other illnesses by:

•   washing your hands often
• avoiding or limiting the amount of time spent in closed spaces, crowded places, or at large-scale events (concerts, sporting events, rallies)
• avoiding close physical contact with people who may be showing symptoms of illness 

Sexually transmitted infections (STIs) , HIV , and mpox are spread through blood and bodily fluids; use condoms, practise safe sex, and limit your number of sexual partners. Check with your local public health authority pre-travel to determine your eligibility for mpox vaccine.  

Tuberculosis is an infection caused by bacteria and usually affects the lungs.

For most travellers the risk of tuberculosis is low.

Travellers who may be at high risk while travelling in regions with risk of tuberculosis should discuss pre- and post-travel options with a health care professional.

High-risk travellers include those visiting or working in prisons, refugee camps, homeless shelters, or hospitals, or travellers visiting friends and relatives.

Medical services and facilities

Medical services and facilities are very good and are widely available.

Make sure you get travel insurance that includes coverage for medical evacuation and hospital stays.

Travel health and safety

Keep in Mind...

The decision to travel is the sole responsibility of the traveller. The traveller is also responsible for his or her own personal safety.

Be prepared. Do not expect medical services to be the same as in Canada. Pack a   travel health kit , especially if you will be travelling away from major city centres.

You must abide by local laws.

Learn about what you should do and how we can help if you are arrested or detained abroad .

Penalties for possession, use or trafficking of illegal drugs are severe. Convicted offenders can expect lengthy jail sentences and heavy fines.

Drugs, alcohol and travel

Although the possession of 1 ounce or less of cannabis is legal in Guam, it remains illegal under U.S. federal laws in any form and quantity.

Don’t attempt to travel to Guam with any amount of cannabis in any form. If you do so, you can expect legal prosecution, fines or a jail sentence.

Useful link

• Cannabis and the U.S.  - U.S. Embassy and Consulates in Canada

Imports and exports

Imports and exports restrictions change frequently.

Contact the U.S. Customs and Border Protection office in Hagåtña before starting your trip for the latest information on allowances and restrictions.

Declare all items upon arrival.

Port of entry of Hagåtña - U.S. Customs and Border Protection (CBP)

Dual citizenship

Dual citizenship is legally recognized in the United States.

If you are a Canadian citizen, but also a citizen of the United States, our ability to offer you consular services may be limited while you're there. You may also be subject to different entry/exit requirements.

• General information for travellers with dual citizenship
• Dual nationality - U.S. Department of State, Bureau of Consular Affairs

International Child Abduction

The Hague Convention on the Civil Aspects of International Child Abduction is an international treaty. It can help parents with the return of children who have been removed to or retained in certain countries in violation of custody rights. The convention applies between Canada and Guam.

If your child was wrongfully taken to, or is being held in Guam, and if the applicable conditions are met, you may apply for the return of your child to the Guamanian court.

If you are in this situation:

• act as quickly as you can
• contact the Central Authority for your province or territory of residence for information on starting an application under The Hague Convention
• consult a lawyer in Canada and in Guam to explore all the legal options for the return of your child
• report the situation to the nearest Canadian government office abroad or to the Vulnerable Children’s Consular Unit at Global Affairs Canada by calling the Emergency Watch and Response Centre

If your child was removed from a country other than Canada, consult a lawyer to determine if The Hague Convention applies.

Be aware that Canadian consular officials cannot interfere in private legal matters or in another country’s judicial affairs.

• List of Canadian Central Authorities for the Hague Convention
• International Child Abduction: A Guidebook for Left-Behind Parents
• Travelling with children
• The Hague Convention - Hague Conference on Private International Law
• Canadian embassies and consulates by destination
• Emergency Watch and Response Centre

You must carry an international driving permit.

International Driving Permit

The currency in Guam is the U.S. dollar (USD).

There’s no limit to the amount of money that you may legally take into or out of the territory. However, you must submit a declaration to U.S. Customs and Border Protection:

• if you carry more than US$10,000 (in cash, cheque, money order, travellers’ cheque or any other convertible asset) into or out of Guam
• if you plan to receive more than US$10,000 while in Guam

Failure to comply can result in civil and criminal penalties, including seizure of the currency or monetary instruments.

Typhoons usually occur between July and December. During this period, even small storms can quickly develop into major typhoons. These severe storms can put you at risk and hamper the provision of essential services.

If you decide to travel to Guam during the typhoon season:

• know that you may expose yourself to serious safety risks
• be prepared to change your travel plans on short notice, including cutting short or cancelling your trip
• stay informed of the latest regional weather forecasts
• carry emergency contact information for your airline or tour operator
• follow the advice and instructions of local authorities

Since May 2023, following Typhoon Mawar, Guam Waterworks Authority has advised residents in certain areas to boil their water due to possible bacterial contamination.

• Precautionary Boil Water Notice – Guam Waterworks Authority
• Eat and drink safely
• Tornadoes, cyclones, hurricanes, typhoons and monsoons
• Large-scale emergencies abroad

Earthquakes and tsunamis

Guam is in an active seismic zone. Earthquakes and tsunamis may occur.

A tsunami can occur within minutes of a nearby earthquake. However, the risk of tsunami can remain for several hours following the first tremor. If you're staying on the coast, familiarize yourself with the region's evacuation plans in the event of a tsunami warning.

• Earthquakes - What to Do?
• Tsunami alerts - U.S. Tsunami Warning System

Local services

Dial 911 for emergency assistance.

Consular assistance

There is no resident Canadian government office in Guam. You can obtain consular assistance and further consular information from the Embassy of Australia to Micronesia, in Pohnpei, under the Canada-Australia Consular Services Sharing Agreement.

Sign up to receive email updates from the Australian government on situations and events that could affect your safety while in Guam.

Smartraveller - Australian travel advice

Guam, Marshall Islands, Northern Marianas, Palau

For emergency consular assistance, call the Embassy of Australia to Micronesia, in Pohnpei, and follow the instructions. At any time, you may also contact the Emergency Watch and Response Centre in Ottawa.

The decision to travel is your choice and you are responsible for your personal safety abroad. We take the safety and security of Canadians abroad very seriously and provide credible and timely information in our Travel Advice to enable you to make well-informed decisions regarding your travel abroad.

The content on this page is provided for information only. While we make every effort to give you correct information, it is provided on an "as is" basis without warranty of any kind, expressed or implied. The Government of Canada does not assume responsibility and will not be liable for any damages in connection to the information provided.

If you need consular assistance while abroad, we will make every effort to help you. However, there may be constraints that will limit the ability of the Government of Canada to provide services.

Learn more about consular services .

Risk Levels

  take normal security precautions.

Take similar precautions to those you would take in Canada.

  Exercise a high degree of caution

There are certain safety and security concerns or the situation could change quickly. Be very cautious at all times, monitor local media and follow the instructions of local authorities.

IMPORTANT: The two levels below are official Government of Canada Travel Advisories and are issued when the safety and security of Canadians travelling or living in the country or region may be at risk.

  Avoid non-essential travel

Your safety and security could be at risk. You should think about your need to travel to this country, territory or region based on family or business requirements, knowledge of or familiarity with the region, and other factors. If you are already there, think about whether you really need to be there. If you do not need to be there, you should think about leaving.

  Avoid all travel

You should not travel to this country, territory or region. Your personal safety and security are at great risk. If you are already there, you should think about leaving if it is safe to do so.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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• Travel Insurance

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WAS Discovery Travel Insurance Review: Features, Pros and Cons

Updated: Apr 17, 2024, 9:08am

Reviewed By

The Discovery Plan from WAS Travel Insurance could be a good choice for Aussies looking for a no-frills travel insurance policy. However, it only offers a number of standard features of comprehensive policies as optional add-ons and that can make the policy much more expensive than first meets the eye. Regardless, its unlimited medical cover, high age limit of 99 years, and positive customer reviews makes it a viable option for those in the market for a medically focused, no-frills travel insurance policy.

Related: Best Comprehensive Travel Insurance Providers for Australian

• Unlimited medical
• Generous dental of $2,000
• High age limit
• Luggage and cancellation cover not automatic
• Children not included
• More expensive than competitors

Table of Contents

• Featured Partner Offers

About WAS Travel Insurance

What does was travel insurance cover, does was travel insurance cover me for covid, was pricing comparison, was customer service, the bottom line.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

Wise And Silent Travel Insurance, known as WAS, is a Brisbane-based travel insurance company that offers “tailored coverage” to its customers. This tailoring differs from the standard comprehensive travel insurance policies on the market, which usually have a set minimum for standard inclusions for policies, such as lost luggage cover and cancellations.

WAS Travel Insurance is underwritten by Pacific International Insurance Pty Ltd, an Australian insurance company based in Newcastle. While WAS isn’t listed on ProductReview, it has scored a 4.7 star review on TrustPilot from an albeit small number of 39 customer reviews.

Customers highlighted WAS’ staff communication, the ease of applying for coverage, and a “smooth and efficient” claims process.

WAS offers two types of plans, Covid Essentials and Discovery Plan. For the purpose of this review, we analysed the comprehensive option, the Discovery Plan.

As stated, WAS Travel Insurance works a little differently to most travel insurers. Its comprehensive policy is known as the ‘Discovery Plan’, which is available to those aged up to 99 years old and includes unlimited medical in its base cover.

For families travelling together, it’s important to note that children can be added to the policy at a lower rate, but they are not included within a parent/guardians policy as is the industry norm.

Once you start to add to the base cover, WAS Travel Insurance becomes even more complex, with only a handful of medical outcomes covered as standard and far more classified as optional.

For example, credit card fraud is not covered as a standard inclusion; instead, unauthorised use of credit cards can be covered as part of luggage and personal effects, should the policyholder choose to take out this optional extra. Personal liability is not covered automatically, but needs to be selected for coverage up to $2.5 million.

Any trip cancellations are only covered up to the amount chosen by the customer (ranging from $1,000 to $40,000 per customer) and travel delays are covered as optional extras, up to $2,000 per customer. Delays are reimbursed at a rate of $50 per six hours, which is below the industry standard of $200 for every six hours, however no excess applies to these claims. (For missed flight connections, these are only covered should the policyholder choose to add travel interruption cover to their plan.

Rental vehicle excess is also an optional add-on, with the maximum cover of $6,000 for those looking to hire a car during their holiday. In many policies this is covered as standard and does not require the traveller to add it as an optional extra.

Lost Luggage

When it comes to lost luggage, those with WAS Discovery Travel Insurance will need to choose it as an add-on as they are not automatically covered. The lowest option is $1000, while the highest is $10,000 (per traveller).

WAS will only cover an individual item to a limit of $1,000.

WAS Travel Insurance include unlimited medical cover within its comprehensive policy, which extends to additional expenses such as transportation to a medical facility or, in the necessary event, back to Australia.

There is also cover for a medical companion to stay with you during treatment and/or necessary medical-related travel, even if they themselves are not listed on your policy.

Certain pre-existing conditions are also covered if they meet the necessary criteria. The 44 automatically covered conditions include anxiety and depression, diabetes, sleep apnoea and many more.

Other conditions outside of the pre-existing conditions list will not be covered by WAS Travel Insurance.

Covid-19 is included in the unlimited medical cover, which is explained in further depth below.

Is Dental Cover Included?

Dental cover is included in the WAS Travel Insurance Discovery Plan, but not under the unlimited medical expenses. Instead, there is up to $2,000 covered for emergency dental treatment, which is more generous than most insurance policies, which generally top put at $1,000.

Yes, WAS Travel Insurance includes Covid-19 medical expenses within its unlimited medical coverage. It also includes cancellations related to Covid-19, however, that is dependent on how much cancellation cover the policyholder requests.

Related: Travel Insurance And Covid: Are You Covered?

What About Pregnancy?

Pregnancy is covered by WAS Travel Insurance there are unexpected serious complications of pregnancy occuring:

• Up to the 24th week of pregnancy if you’re pregnant with a single child; or
• Up to the 19th week of pregnancy if you’re pregnant with twins or multiple children.

The exclusions include childbirth; the healthcare of a newborn child; pregnancies with existing complications; or pregnancies in which the person has previously had complications with previous pregnancies.

What About Sports and Activities?

WAS covers a range of sports and activities, however, rather than specifying what is covered, it provides a list of the excluded activities being:

• Snow sports;
• Motorcycle or moped riding;
• Racing (except on foot);
• Polo playing;
• Mountain climbing requiring the use of equipment such as pick-axes, anchors, bolts, crampons, carabiners, lead or top-rope anchoring or other specialist equipment;
• Motor sport or motor racing (including training or practice);
• Running with the bulls;
• Professional sports (including training or practice);
• Parachuting, hang-gliding or paragliding; or
• Scuba diving, unless you hold an open water diving certificate or diving with a qualified diving instructor

However, policyholders can choose to add additional adventure packs—snow, motor and cruise—which will then cover them for those sports.

WAS Travel Insurance prides itself on offering budget-friendly insurance policies to Australians; however, the cost of a policy with WAS isn’t as clear cut as many others—largely due to the many different inclusions that one needs to opt-in to.

Forbes Advisor Australia has run quotes against two of our top picks of travel insurance providers for Australians— Travel Insurance Direct and Allianz Travel Insurance —to compare the prices of WAS Travel Insurance when opting-in for a level of cover similar to what these two competitors offer automatically.

As Bali is a top destination for many Aussies, the data below is based on a 28-year-old Australian travelling to Indonesia for a week.

Related: A Guide To Travel Insurance For Bali

This analysis does not include other additional costs that would need to be considered, including sports cover, children travelling, pre-existing medical conditions and so on.

As you can see from the table above, opting in for the same level of cover that is offered as standard by competitors makes the WAS Travel Insurance policy the most expensive of the three.

It’s important to note that policy prices for travel insurance will change for a range of factors, including age, destination, length of trip and any specific needs required by the traveller. The above data is to be used as a guide only.

From the limited reviews online, WAS’ customer service staff members have been hailed as being “very patient and helpful”, with their knowledge “making the experience [of submitting a claim] much less stressful”.

WAS can be contacted by phone or email, with different email addresses and phone numbers unique to the service required (emergency assistance, claims, or general enquiries). The full list can be found online here .

Customers can also submit a form online to be emailed back, and are able to submit claims online or over the phone.

WAS may be a risky choice for some customers who choose to opt-out of the optional extra cover for the sake of saving money and end up being under-insured. Some travellers may not realise the importance of personal liability insurance and fail to select it, which could land them in hot water if an accident was to occur overseas. As a comparison, most other insurers include personal liability insurance as standard in their comprehensive policy: Travel Insurance Direct offers $2.5 million in personal liability, while Allianz offers $5 million—with caveats around snow and adventure packs.

Nevertheless, WAS may be attractive to budget travellers who are happy with a no-frills policy, but want to ensure they’re covered for the basics of medical and dental.

Frequently Asked Questions (FAQs)

Is was travel insurance good.

WAS Travel Insurance did not make Forbes Advisor Australia’s top picks for comprehensive travel insurance , but that doesn’t mean it’s not a good option for Aussies looking for international cover. The comprehensive policy offered by WAS is a build-your-own type of plan, meaning it is tailored to the customer individually in terms of cancellation cover, luggage cover, rental car excess and more.

It may be suitable for budget-conscious travellers looking for a no-frills policy that is focused on medical and dental. However, it’s worth noting that when compared to other insurers on the market, WAS ended up being more expensive once the add-ons were included in the quote.

From 38 customer reviews on TrustPilot, WAS received a rating of 4.7 stars.

What policies does WAS Travel Insurance offer?

WAS Travel Insurance offers two policies: Covid Essentials and Discovery. The Discovery Plan is what would be considered its ‘comprehensive’ offering, considering it allows customers to tailor the plan to suit their needs.

How much does WAS Travel Insurance cost?

The cost of WAS Travel Insurance—like any travel insurance provider—is dependent on many factors: your age, your destination, the length of your trip, and any personal requirements such as higher lost luggage cover for specific equipment or items, whether or not you need cover for certain sports and activities, any pre-existing conditions you need covered, and more.

From a quote Forbes Advisor Australia ran of a 28-year-old going to Bali for one week, paying an excess of $250 and opting in to $2000 of cancellation cover, $10,000 of lost luggage cover, and rental car excess, the total WAS quote came to $141.80, which was higher than competitors.

Related: How Much Does Travel Insurance Cost?

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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• Best for Senior Pets
• Best for Customization
• Best for Bundling
• Best for Preexisting Conditions
• Best for Alternative Therapy
• Best for Exotic Pets
• Best for Unlimited Coverage

How We Rate Pet Insurance

Best cheap pet insurance companies of april 2024.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Many pet owners may be reluctant add the cost of pet insurance to their monthly budget. However, most pet owners will experience at least one pet emergency and spend between $2,000 to $4,000, according to the North American Pet Health Insurance Association (NAPHIA). While the most comprehensive pet insurance may be out of your budget, there are cheap pet insurance options available that will give you peace of mind without breaking the bank.

Best Price: Pets Best Pet Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers pet insurance with unlimited coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers deductibles of as low as $50 and as high as $1,000 annually
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Company partners with large insurance companies like GEICO
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Rates can be extremely affordable for pets of all breeds
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage is available in all 50 states and Washington, DC
• con icon Two crossed lines that form an 'X'. Alternative and holistic treatments may not be included
• con icon Two crossed lines that form an 'X'. Customer reviews indicate claims processing may take longer

If you're looking for pet insurance at a cheap rate, Pets Best Pet Insurance has some of the lowest prices in the industry. You can go to any licensed veterinarian. However, it should be noted that in Insider's staff experiences with Pets Best policies, the reimbursement rate is also applied to your deductible.

So if you had a $500 deductible with 90% reimbursement, a $500 claim would leave you with another $50 left on your deductible, with charges applied based on the 90% reimbursement rate. This is not unusual, but it should factor into your budget and policy choices.

Pets Best offers three types of plans: accident-only, accident and illness, and a wellness plan. With highly customizable options, you can further lower your rate. Plus, the insurer doesn't have an age gap on pet insurance.

Unfortunately, if you're looking for alternative treatments like herbal and holistic treatments, consider searching elsewhere.

• Annual coverage options: $5,000, unlimited
• Reimbursement options: 70%, 80%, 90%
• Deductible options: $50, $100, $200, $250, $500, $1,000
• Average monthly cost: Dogs - $20; Cats - $12

Read our Pets Best Pet Insurance review here.

Best for Senior Pets: Figo Pet Insurance

Offers coinsurance of up to 100% of each eligible bill with no annual limit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. 3 popular pet insurance plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Riders available for preventative care and routine vet services
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing
• con icon Two crossed lines that form an 'X'. Excludes certain genetic issues and preexisting conditions
• con icon Two crossed lines that form an 'X'. Insurer recommends submitting 12 months of vet records with your application
• con icon Two crossed lines that form an 'X'. Any claim filed in the first 6 months may be registered as a preexisting condition

Figo pet insurance offers aggressive pet insurance coverage options to ensure your pet gets the veterinary care they need in an emergency. Figo offers easy online quotes, and Costco members qualify for discounts on its pet insurance plans.

Many pet insurance providers will only insure pets younger than 14. Insurers may put an age cap on eligibility because pets, like humans, tend to develop health conditions as they age. However, Figo Pet Insurance will insure your furry friend, regardless of age. Whatever plan you consider, understand pet insurance companies will not cover preexisting conditions . For dogs or cats with a history of allergies, cancer, diabetes, or other conditions, this would still leave pet parents on the hook for related bills if diagnosed before buying your plan.

Figo offers three plans: the Essential plan, the Preferred plan, and the Unlimited plan. This insurer provides ample coverage choices to customize your policy based on your pet's needs and your budget.

Unfortunately, Figo doesn't sell a basic, accident-only plan, which is generally cheaper than an accident-illness or wellness program. Additionally, while it reimburses you, you must pay your vet bills upfront. Many pet parents resolve this issue using services like CareCredit, which can be paid off after completing the claim. If you're interested in Figo, we recommend Costco members go through the retail giant's partnership with Figo as you get 15% off standard premiums.

• Annual coverage options: $5,000, $10,000, unlimited
• Reimbursement options: 70%, 80%, 90%, 100%
• Deductible options: $100, $250, $500, $750
• Average monthly cost: Dogs - $26; Cats - $14

Read our Figo Pet Insurance review here.

Best for Customization: Spot Pet Insurance

Offers coinsurance of up to 90% of each eligible bill with no annual limit

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wellness plans and accident and illness plans available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states with comprehensive coverage options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for senior dogs and cats
• con icon Two crossed lines that form an 'X'. Pets have to be at least 8 weeks for coverage
• con icon Two crossed lines that form an 'X'. Does not offer coverage for exotic pets

Spot pet insurance provides comprehensive pet insurance, including an allowance for end-of-life memorials. Some plan upgrades cover dental cleanings and other costly services.

With Spot Pet Insurance , you have nine annual coverage limits, three reimbursement, and five deductible options. This insurer offers an excellent range of policy coverages to mix and match as you choose. Of course, your monthly premiums will vary accordingly.

Spot pet insurance also offers an accident-only and accident-illness plan. The company as a wider range of pet coverage that many competitors lack, like prescription food and behavioral modification. Based on our research at the time of this guide, Spot doesn't sell wellness plans. However, you can add the gold and platinum preventative care plan to supplement your policy.

• Annual coverage options: $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, $15,000, $20,000, unlimited
• Deductible options: $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $28; Cats - $14

Read our Spot Pet Insurance review here.

Best for Bundling: Lemonade Pet Insurance

10% off your policy for bundling insurance products; 5% off your policy for insuring multiple pets; and 5% off your policy for enrolling in the annual payment plan

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $12 premiums for basic care
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Add-ons available for other preventative care
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Comprehensive mobile experience for claims and support
• con icon Two crossed lines that form an 'X'. Only available in 37 states and Washington DC
• con icon Two crossed lines that form an 'X'. No 24/7 telehealth line for veterinary advice

Lemonade offers auto, homeowners, renters, pet, and life insurance. It's been around since 2015 and is known for offering some of the lowest rates. Lemonade ranks on J.D. Power's customer satisfaction surveys for renters insurance, however, it doesn't rank for life and homeowners insurance.

• Discounts for bundling policies and having multiple pets
• Starts at $10 a month
• Offers a discount for enrolling in an annual payment plan

Lemonade Pet Insurance is a relatively new pet insurance company. Aside from pet insurance, it also offers home, car, and renters insurance (which received high marks for customer satisfaction). So you can bundle your pet insurance with other products for 10% additional savings.

If you're a tech-savvy shopper, you may appreciate Lemonade's highly-rated mobile app and user-friendly digital platform. You could purchase a policy, manage your claims, and access your insurance ID at the touch of your fingertip. Unfortunately, Lemonade is not available in all states yet. So be sure to check and see if Lemonade is available to you. But with up to $100,000 in annual coverage, Lemonade covers most significant health events for pets.

• Annual coverage options: $5,000, $10,000, $20,000, $50,000, $100,000
• Deductible options: $100, $250, $500
• Average monthly cost: Dogs - $28; Cats- $14

Read our Lemonade Pet Insurance review here.

Best for Preexisting Conditions: ASPCA Pet Insurance

Offers coinsurance of up to 90% of each eligible bill with a maximum of up to $10,000 per year

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available for dogs, cats, and horses
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No age limits for coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 90% reimbursement after deductible
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Royalties go back to the ASPCA to care for homeless pets
• con icon Two crossed lines that form an 'X'. Claim processing may be long
• con icon Two crossed lines that form an 'X'. Available coverage tapers off with age

ASPCA pet insurance is not sold or underwritten by the ASPCA. However, the ASPCA collects royalties on sales made to support its operations and aid homeless pets.

Unfortunately, all pet insurance providers exclude preexisting conditions from coverage. This is because pet insurance companies have to mediate risk to keep premiums low for everyone. However, several companies will cover preexisting conditions if your pet has been symptom- and treatment-free for some time. ASPCA Pet Insurance is one of those providers.

ASPCA pet insurance will cover curable preexisting conditions if your cat, dog, and even horses if your pet has been symptom-free for over 180 days (excluding ligament and knee conditions).

With ASPCA pet insurance, you choose an accident-only, accident and illness, and preventative care plan. ASPCA pet insurance's comprehensive programs cover alternative therapies, behavioral issues, and congenital and hereditary conditions. The provider even covers pet microchipping. When going through the quoting process online, we were told we must speak to a live representative to obtain a quote for unlimited annual coverage.

• Annual coverage options: $3,000, $4,000, $5,000, $7,000, $10,000
• Average monthly cost: Dogs - $33; Cats - $17

Read our ASPCA Pet Insurance review here.

Best for Alternative Therapy: Healthy Paws Pet Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Unlimited coverage options available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Average claims processing time of 2 days
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low deductible options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Healthy Paws may cover curable preexisting conditions after a waiting period
• con icon Two crossed lines that form an 'X'. Coverage may decrease with age
• con icon Two crossed lines that form an 'X'. Rates may be higher than some competitors

Healthy Paws offers comprehensive and affordable pet insurance plans with unlimited coverage, high reimbursement options, and more. These features earned it a spot on our guide to the best pet insurance. However, Healthy Paws does not cover preventative care, encouraging pet parents to budget for known annual costs.

Only a few providers offer alternative medicine if you prefer to take the holistic and herbal route when seeking treatment for your pet. Healthy Paws Pet Insurance offers a comprehensive list of non-invasive forms of therapy, including acupuncture, hydrotherapy, physical therapy, laser therapy, and massage care, as long as a licensed veterinarian provides the treatment.

The trade-off, however, is Healthy Paws won't cover preventative and wellness care. Its site specifies Healthy Paws believes wellness costs can be planned for. For example, you expect to do a yearly exam and get updated vaccines, and even if you save a little bit each month, you can plan accordingly. However, accidents and severe chronic illnesses are difficult to plan for, and costs are frequently unreasonable. So Healthy Paws focuses on the most significant area of need it sees.

• Annual coverage options: Unlimited
• Reimbursement options: 50%, 60%, 70%, 80%, 90%
• Deductible options: $50, $100, $250, $500, $750, $1,000
• Average monthly cost: Dogs - $37; Cats - $18

Read our Healthy Paws Pet Insurance review here.

Best for Exotic Pets: Nationwide Pet Insurance

Finding cheap pet insurance may be challenging if you have an exotic pet like a bird, rabbit, or reptile. Nationwide Pet Insurance is currently the only pet insurance company to offer wide-reaching coverage for many exotic pets. Other companies offer "discount plans," much like human prescription discount plans. However, you'd have to work with specific vets, and coverage would be specific to the treatment provided.

Nationwide pet insurance offers three pet insurance plans:

• Major Medical (accident and illness plan)
• Whole Pet (more comprehensive accident and illness plan)
• A wellness plan

Nationwide offers various conditions in its plans. However, the coverage is set. Nationwide's sample accident and illness policy broke down many potential diagnoses with primary and secondary diagnoses allowances. Ultimately, each buyer will receive a policy breakdown. However, Nationwide is a more expensive pet insurance provider with limited flexibility.

• Annual coverage options: Per condition
• Reimbursement options: 50%, 70%, 90%
• Deductible options: $250
• Average monthly cost: Dogs - $35; Cats - $14

Read our Nationwide Pet Insurance review here.

Best for Unlimited Coverage: Trupanion Pet Insurance

Trupanion Pet Insurance is one of the pricier insurers on this list. Also, it offers a limited selection of policy options. However, if you're looking for a plan with unlimited coverage, Trupanion may be your winner. Unfortunately, we've all heard of the unexpected accident or illness in an otherwise healthy pet calling for emergency care.

Some emergency surgeries can easily surpass $20,000, and you might be on the hook for follow-up care, rehab, and even further surgeries. These are the times when unlimited care could be the saving grace to save your furry friend.

Trupanion offers deductibles ranging from $0 to $1,000. What's unique about this insurer is you'll only have to pay the deductible once per condition. For example, say your pet develops an illness requiring ongoing treatment. While most insurers will need you to pay a deductible yearly, you'll only have to pay your deductible once when the condition appears, potentially saving you money. This is handy for chronic conditions like allergies, diabetes, and cancer.

• Reimbursement options: 90%
• Deductible options: $0 to $1000
• Average monthly cost: Dogs - $50; Cats - $22

Read our Trupanion Pet Insurance review here.

We review a company based on several benchmarks and compare it against the industry standard.

• Affordability: We consider an insurer cheap if it meets or is below the industry average premiums. We also compare the prices against its competitors.
• Policy customization: We look at the breadth of an insurer's policy options. Policy options include the number of annual coverages, deductibles, and reimbursement options. The price is not the only determining factor if you compare a $50 for unlimited coverage with 80% reimbursement with a $10 policy with a $5,000 annual cap.
• Waiting period: A waiting period is the time between purchasing a policy and when coverage kicks in. The average waiting period for accident coverage is three days, and fourteen days for illness coverage. However, waiting periods for genetic conditions and serious illnesses could last a year.
• Types of policies available: The best pet insurance companies typically offer three types of plans: accident-only, accident-illness, and wellness plans. We look through an insurer's website to determine if it sells some variation of those three plans.
• Exclusions: Pets come in all shapes and sizes. Unfortunately, insurance companies will exclude some pets from coverage, like older pets or even those with curable preexisting conditions.
• Company offerings: We look at the extensiveness of a company's policies. Some insurers offer coverage for microchipping, alternative medicine, and other unique conditions.

We go into further detail in our insurance rating methodology .

Which dog breed qualifies for the cheapest pet insurance?

Small, spayed, female mixed-breed dogs are the cheapest to insure, according to North American Pet Health Insurance Association (NAPHIA).

How much is a reasonable deductible for pet insurance?

Consider your needs before choosing a deductible. Choosing a high deductible may lower your monthly premiums. However, to start your coverage as soon as possible, consider choosing a low deductible, like $100 to $500.

When should you use pet insurance?

You'll decide what coverage you're willing to pay for upfront. However, whenever you have a qualifying claim, you should file a claim with your pet insurance provider. Insurance providers may have a time limit on claims, and you have to fulfill your annual deductible before full coverage will kick in.

What is the cheapest pet insurance?

Pets Best pet insurance costs an average of $20 for dogs and $12 for cats, the lowest prices among its competitors. Prices will vary based on your pet's age and breed. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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