✈️ US Travel Insurance — Travel Worry-Free, Anywhere in the World

Most US employer-sponsored health plans have very limited or zero international coverage. Medicare does not cover care outside the US. Some credit card travel benefits offer minimal coverage. For any international trip, dedicated travel medical insurance is strongly recommended — a single ER visit abroad can cost $5,000–$50,000 or more.

As early as possible — ideally within 14–21 days of your first trip deposit. Buying early activates pre-existing condition waivers, time-sensitive upgrades like CFAR, and protects against unexpected events (job loss, illness) that could arise before your trip. Buying the day before you depart is better than nothing but limits your options.

CFAR is an upgrade (usually adds 40–50% to your premium) that lets you cancel for literally any reason and receive 50–75% reimbursement of your non-refundable trip costs. It’s worth it for expensive trips, uncertain schedules, or trips to destinations where conditions could change (political unrest, etc.). It must be purchased within 14–21 days of your initial deposit.

Policies vary significantly. Many now cover COVID-19 as a covered illness under trip cancellation (if you test positive before departure) and emergency medical. However, “fear of COVID” or destination advisories typically aren’t covered under standard policies — CFAR upgrade covers those scenarios. Always read the policy’s COVID language carefully.

If you take 2 or more international trips per year, an annual multi-trip policy typically saves money vs. buying per-trip coverage each time. They usually range from $200–$500/year and provide medical and evacuation on every trip. Trip cancellation coverage is often limited or excluded — you may need separate coverage for very expensive trips.