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What Financial Risk Are You Assuming Without Travel Insurance?

Discover the financial risks of traveling abroad without insurance, from non-refundable trip costs to out-of-pocket emergency medical evacuations.

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Key takeaways

Prepaid Non-Refundable Trip Costs at Risk
Out-of-Pocket Overseas Emergency Medical Expenses
The Massive Financial Exposure of Medical Evacuation
Baggage Loss, Theft, and Travel Delay Outlays
How to Mitigate International Travel Risks

Prepaid Non-Refundable Trip Costs at Risk

Airline Ticket Reissue Fees and Cancellation Penalties
Non-Refundable Cruise and Tour Payments
Last-Minute Trip Interruption and Extra Flight Costs

Out-of-Pocket Overseas Emergency Medical Expenses

Domestic Health Insurance Limits Outside the US
Hospital Inpatient Care and Doctor Fees Abroad
Understanding Coverage Differences by Age and Plan Tier

The Massive Financial Exposure of Medical Evacuation

Air Ambulance and Air Transport Logistics
Repatriation of Remains and Hospital Companion Travel
Why Assistance Provider Advance Approval Is Required

Baggage Loss, Theft, and Travel Delay Outlays

Common Carrier Baggage Delay Waiting Periods
Replacing Stolen Personal Effects Out of Pocket

How to Mitigate International Travel Risks

Comparing Single-Trip Comprehensive Protection
Post-Departure Coverage Options for Travel Medical Risks

Our recommendation

The right plan for How to

Recommended for you

ELITE PROTECT

Most Comprehensive

Single‑Trip International Evacuation, Medical, Trip Cancellation & Trip Interruption Protection

100% trip cancellation up to $200,000
$1,000,000 medical evacuation
$250,000 emergency medical
150% Trip Interruption + 75% IFAR option
Pre-existing conditions waiver (within 21 days of deposit)
$3,000 Travel Delay ($250/day after 12 hours)

Get a ELITE PROTECT quote

Why we recommend this

Built for How to

Comprehensive Trip Cancellation and Interruption Protection
Reimburses up to 100% of non-refundable prepaid trip costs (up to $200,000) for trip cancellation and 150% for trip interruption.
High Medical and Evacuation Coverage Limits
Provides $250,000 in emergency medical expense coverage and $1,000,000 for emergency medical evacuation and repatriation.

FAQ

Frequently asked questions

Does my domestic US health insurance cover medical costs abroad?

Most US domestic health insurance plans offer very limited or no coverage outside the United States. Without travel medical insurance, you may be personally responsible for paying foreign hospital bills and physician fees upfront out of pocket. This means your financial exposure is uncapped.

How much can an emergency medical evacuation cost without insurance?

An international emergency medical evacuation using an air ambulance can cost hundreds of thousands of dollars out of pocket. Travel Care's Elite Protect plan provides up to $1,000,000 for emergency evacuation and repatriation expenses.

What happens if I have to cancel my trip without cancellation insurance?

Without trip cancellation coverage, you risk losing 100% of your non-refundable, prepaid trip expenses if an unforeseen emergency forces you to cancel. Comprehensive plans like Elite Protect cover up to 100% of trip costs up to $200,000 for covered cancellation reasons.

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