The 4 Best Travel Medical Insurance Plans for 2025 (With Emergency Evacuation) – Getting sick or injured on vacation is one of the worst things that can happen during a trip. Not only can it ruin your plans, but it could also cost you a fortune especially if you’re in a foreign country and need to be medically evacuated. Since most U.S. health insurance policies don’t provide coverage overseas, having travel insurance with solid medical benefits is your best safety net.
A quality travel insurance plan doesn’t just protect your health—it protects your wallet, too. And when you know you’re covered, you’re less likely to travel when you’re already sick, helping keep fellow travelers safe as well.
Why Medical Travel Insurance Matters
Many insurance providers offer affordable medical-only plans that let you set your coverage limit and deductible. But these plans often lack comprehensive protections. They usually don’t cover preexisting conditions and don’t offer strong benefits if your trip gets canceled or interrupted unexpectedly.
For the most protection and peace of mind, a comprehensive travel insurance plan is your best bet. These plans cover emergency medical care, evacuation, trip cancellations, delays, lost luggage, and more.
Below, we’ve highlighted four standout options for 2025, all of which include top-tier emergency medical benefits, trip protection, and preexisting condition coverage (if requirements are met).
🏥 1. Travelex Insurance Services
Best for: Strong medical coverage with customizable upgrades
Travelex offers three single-trip plans—Essential, Advantage, and Ultimate—but the Ultimate plan provides the most robust medical protection.
Key benefits of the Ultimate plan include:
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✅ Up to $1 million in emergency evacuation and repatriation
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✅ Up to $250,000 in emergency medical expenses ($500 dental sublimit)
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✅ No deductible in most states (some apply a $50 deductible)
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✅ Primary medical coverage, which simplifies the claims process
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✅ Preexisting conditions waiver if purchased within 21 days of your initial trip payment
You also get protection for trip delays, lost baggage, accidental death, and more. Optional add-ons include “cancel for any reason” coverage (up to 75% reimbursement), rental car protection, and additional medical coverage.
Need last-minute insurance? The Travel Med Go plan can be purchased right before your trip, offering medical coverage without cancellation benefits.
🧳 2. Seven Corners
Best for: High medical limits and COVID-19 protection
Seven Corners offers a range of travel insurance options. For the best medical coverage, go with the Trip Protection Choice (or Elite, in some states) plan.
Highlights include:
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✅ Up to $1 million for emergency evacuation
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✅ Up to $500,000 for medical expenses ($750 dental sublimit)
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✅ Primary medical coverage
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✅ Coverage for preexisting conditions (if purchased within 20 days of initial trip payment and you’re fit to travel)
This plan also covers trip cancellations, delays, lost luggage, and COVID-related disruptions. Optional upgrades include “cancel for any reason” and “interrupt for any reason” benefits.
Prefer a simpler plan? Their Travel Medical Insurance issecondary, meaning you may need to claim with your regular insurer first.
🌍 3. WorldTrips
Best for: Flexible evacuation upgrades and pet-friendly perks
WorldTrips’ Atlas Journey plans—Escape, Explore, and Elevate—offer well-rounded coverage. The Elevate plan is the top-tier choice, providing comprehensive protection for your health, belongings, and travel investment.
Benefits of the Atlas Journey Elevate plan:
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✅ Up to $1 million for emergency evacuation and repatriation
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✅ Up to $250,000 in emergency medical coverage ($750 dental sublimit)
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✅ Primary coverage and preexisting condition waiver (if plan is bought within 21 days of booking)
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✅ Up to 100% of trip cost for cancellations ($100,000 max); 150% for interruptions
Optional upgrades include:
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Doubling your medical evacuation coverage
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Choosing the hospital you’re evacuated to
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Cancel-for-any-reason protection
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Rental car coverage
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Pet care benefits
Need something more basic? Check out Atlas Travel and Atlas Premium, which offer medical-only protection—but generally don’t cover preexisting conditions unless it’s an acute onset.
✈️ 4. Travel Insured International
Best for: Adventure travelers and high medical limits
Travel Insured offers three levels of single-trip coverage: Worldwide Trip Protector Essential, Deluxe, and Platinum. For the highest protection, choose the Platinum plan.
Here’s what you get with Platinum:
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✅ Up to $1 million for emergency evacuation
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✅ Up to $500,000 for medical expenses ($750 dental sublimit)
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✅ Primary medical coverage
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✅ Preexisting condition waiver (if policy is purchased within 21 days of first trip payment)
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✅ Up to 100% of trip cost for cancellations ($250,000 max); 150% for interruptions
You can also customize your plan with add-ons like:
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Extreme sports medical coverage
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Cancel for any reason (CFAR)
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Interruption for any reason (IFAR)
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Rental car protection
Final Thoughts
No matter where you’re headed, don’t overlook the importance of medical travel insurance. Whether you’re planning a relaxing beach escape or an adrenaline-fueled adventure, these plans provide essential protection that can save you thousands—and a whole lot of stress.
