Best Travel Health Insurance for Americans Abroad in 2025
For Americans exploring the world—whether for vacation, work, digital nomad life, study, or long-term relocation—having travel health insurance is absolutely essential. Many U.S. health insurance plans, including Medicare and many private insurers, provide limited or no coverage outside the United States. Without proper international coverage, American travelers risk facing massive medical bills, no access to medical evacuation, and limited support in emergencies.
Travel health insurance for Americans abroad ensures that travelers can access high-quality medical treatment, hospitalization, emergency services, and evacuation anywhere in the world. Since healthcare systems vary widely across countries, having the right global medical protection provides peace of mind, financial protection, and immediate help during crises.
This comprehensive guide explains everything about the best travel health insurance for Americans traveling internationally—complete with real product examples, benefits, use-case scenarios, and buying links.
Understanding Travel Health Insurance for Americans Abroad
Travel health insurance for Americans abroad is a type of coverage that protects U.S. citizens when they travel outside their home country. Unlike standard U.S. health insurance, which typically covers domestic medical needs, international health insurance focuses on:
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Emergency medical care abroad
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Hospital stays and doctor visits
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Ambulance and urgent care
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International medical evacuation
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Repatriation to the U.S.
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Prescription medications
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Accidental injuries
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24/7 global emergency assistance
Many countries require proof of international medical insurance before granting visas. Even in countries with affordable healthcare, foreigners often must pay upfront for treatment. Proper travel health insurance eliminates these risks by offering immediate global medical support.
Why Americans Traveling Abroad Need Specialized Travel Health Insurance
U.S. citizens traveling abroad face several challenges that make international travel health insurance essential. The biggest issue is that most U.S. insurance plans do not cover medical treatment outside the country. Even when coverage is provided, it is usually partial and does not include emergency evacuation back to the U.S.
Another important reason is the high cost of medical emergencies abroad. In some countries, foreign patients are charged significantly higher rates. Medical evacuation alone can cost between $20,000 and $200,000 depending on distance and severity.
Additionally, Americans traveling across multiple countries need coverage valid worldwide. Travel health insurance provides consistent protection regardless of where travelers go.
It also helps Americans navigate language barriers, unfamiliar healthcare systems, and emergency communication challenges. The included 24/7 support team coordinates hospital admissions, locates English-speaking doctors, arranges air ambulances, and informs family members when needed.
Best Travel Health Insurance for Americans Abroad (Top 5 Real Plans)
Below are the top 5 best travel health insurance plans for U.S. citizens traveling internationally. Each includes a detailed product breakdown, image placeholder, benefits, use cases, and purchase links.
IMG Global Medical Insurance (Americans Abroad Edition)
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IMG Global Medical Insurance is one of the strongest health insurance options for Americans abroad, especially for long-term travel or international relocation. IMG specializes in international medical coverage and offers high benefit limits, hospitalization, ICU care, and worldwide emergency evacuation.
This plan is available in multiple tiers—Bronze, Silver, Gold, and Platinum—allowing travelers to select the perfect level of coverage. It includes access to IMG’s global medical network, which offers direct billing at many international hospitals.
Benefits and Use Cases
IMG Global Medical Insurance solves the problem of medical uncertainty for Americans living overseas. Whether moving to Europe, Asia, Australia, or South America, IMG ensures consistent, high-quality care. Long-term digital nomads, expatriates, international students, and Americans working abroad benefit from IMG’s strong global infrastructure.
This plan is also ideal for travelers who need multi-year coverage or expect to stay abroad for extended periods. Its high coverage limits make it suitable for Americans visiting regions with expensive healthcare, such as Japan, Singapore, or Switzerland.
Where to Buy
<a href=”https://www.imglobal.com” target=”_blank”>Buy IMG Global Medical Insurance</a>
Allianz OneTrip Emergency Medical for Americans Abroad
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Allianz OneTrip Emergency Medical Plan is one of the most trusted options for Americans traveling internationally. Although not a long-term expat policy, it provides exceptional emergency medical coverage for short-term and multi-country trips.
The plan includes emergency medical treatment, hospitalization, dental emergencies, and strong evacuation benefits. Allianz is known for its global assistance network, which helps travelers find hospitals, manage medical records, and coordinate emergency transport.
Benefits and Use Cases
Allianz solves the problem of sudden medical emergencies for Americans on vacation or short-term international trips. It is ideal for Americans visiting European countries, Southeast Asian destinations, or Caribbean islands.
Travelers benefit from Allianz’s fast claim processing and digital tools—travelers can submit claims, access policy documents, and receive support directly through the Allianz app. It is perfectly suited for family vacations, solo travel, cruises, and short business trips.
Where to Buy
<a href=”https://www.allianztravelinsurance.com” target=”_blank”>Buy Allianz OneTrip Emergency Medical Plan</a>
Seven Corners Wander Frequent Traveler (Excellent for Americans Traveling Often)
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Seven Corners Wander Frequent Traveler is an annual travel health insurance plan ideal for Americans making multiple international trips each year. It provides strong emergency medical coverage, evacuation, hospitalization, and 24/7 emergency support worldwide.
The plan is perfect for U.S. citizens who travel frequently for work or leisure. Seven Corners also offers add-ons such as coverage for pre-existing conditions under certain conditions.
Benefits and Use Cases
Seven Corners Wander solves the problem of having to buy multiple insurance plans for multiple trips. Frequent flyers—especially business professionals, remote workers, or global entrepreneurs—benefit from the cost savings and convenience of year-round protection.
It also supports Americans traveling to remote locations, offering high-limit evacuation benefits and strong emergency response coordination. For travelers visiting multiple continents in a single year, this plan provides seamless worldwide protection.
Where to Buy
<a href=”https://www.sevencorners.com” target=”_blank”>Buy Seven Corners Wander Plan</a>
Trawick International Safe Travels International for Americans Abroad
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Trawick International Safe Travels International is a highly recommended option for Americans traveling abroad, offering generous emergency medical limits, evacuation, repatriation, and coverage for acute onset of pre-existing conditions.
This plan is trusted by long-term travelers and short-term vacationers alike. Trawick is known for responsive customer service and strong global partnerships with hospitals.
Benefits and Use Cases
Trawick solves the challenge of unexpected medical costs abroad, making it suitable for Americans traveling to high-cost destinations like the UK, Germany, New Zealand, or South Korea. It is also beneficial for Americans traveling to regions with weaker healthcare infrastructures, providing evacuation support to safe hospitals.
Families visiting multiple countries find Trawick convenient and comprehensive. Long-term travelers, backpackers, and adventure tourists appreciate the optional upgrades available.
Where to Buy
<a href=”https://www.trawickinternational.com” target=”_blank”>Buy Trawick Safe Travels International</a>
Cigna Global Health Insurance (Premium Option for Long-Term Americans Abroad)
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Cigna Global is one of the most premium international health insurance plans available for U.S. citizens living abroad. It is designed for long-term expats, digital nomads, foreign workers, retirees, and remote professionals.
The plan includes comprehensive medical treatment, specialist care, hospitalization, surgeries, preventative care, maternity options, and worldwide emergency care. It also offers customizable plans and access to Cigna’s vast global healthcare network.
Benefits and Use Cases
Cigna Global solves the issue of Americans needing long-term and high-quality medical care abroad. It is ideal for expatriates in Europe, Asia, Africa, and the Middle East. Retirees moving abroad appreciate its broad coverage that includes chronic illness management.
Digital nomads and global remote workers benefit from Cigna’s flexibility and worldwide portability. For Americans who require full-time health protection—not just emergency coverage—Cigna Global is one of the best options.
Where to Buy
<a href=”https://www.cigna.com” target=”_blank”>Buy Cigna Global Health Insurance</a>
How to Choose the Best Travel Health Insurance for Americans Abroad
Selecting the right plan depends on several factors:
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Destination country and healthcare costs
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Trip duration (short-term vs long-term)
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Need for evacuation or repatriation
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Pre-existing medical conditions
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Adventure activities (coverage requirements)
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Travel frequency (single-trip vs annual plans)
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Age and family members traveling
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Visa or immigration requirements
Americans traveling long-term should consider global health insurance plans like Cigna or IMG. Short-term travelers should choose Allianz or Trawick. Frequent travelers should consider Seven Corners Wander.
How to Buy Travel Health Insurance for Americans Abroad
Purchasing travel health insurance is simple:
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Choose a provider
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Select the coverage level
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Enter travel dates and personal details
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Add optional protections
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Pay online
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Receive your policy immediately via email
Below are direct buying buttons for convenience:
<a href=”https://www.imglobal.com” target=”_blank”>Buy IMG Global Medical Insurance</a>
<a href=”https://www.allianztravelinsurance.com” target=”_blank”>Buy Allianz OneTrip Emergency Medical</a>
<a href=”https://www.sevencorners.com” target=”_blank”>Buy Seven Corners Wander Plan</a>
<a href=”https://www.trawickinternational.com” target=”_blank”>Buy Trawick Safe Travels</a>
<a href=”https://www.cigna.com” target=”_blank”>Buy Cigna Global Insurance</a>
FAQ
Do Americans need travel health insurance when going abroad?
Yes. Most U.S. health plans do not cover international medical emergencies. Travel health insurance ensures immediate treatment and evacuation.
Does Medicare cover Americans traveling abroad?
No. Medicare generally does not cover medical care outside the U.S., making separate international coverage essential.
What is the best travel health insurance for long-term Americans abroad?
IMG Global and Cigna Global are the strongest long-term options, offering comprehensive worldwide coverage.