Travel insurance
Stay covered while traveling, studying, or living abroad.
Business or pleasure? Whether you're vacationing, studying abroad, or even living out of the country, travel insurance can protect you in the event of things like, sudden illness, accidents, or even emergency medical evacuation. Having a good travel insurance plan means quality care and 24/7 assistance, as well as pre-approved hospitals and physicians with the appropriate skills needed to help you, including language and translation for key medical terms and brand-name drugs. Just as importantly, travel insurance coverage can even reimburse you for expenses you've already paid in case you need to cancel your trip.
At Polk Insurance, we've been providing San Luis Obispo County with first-class travel insurance services since 1988. We've help thousands of vacationers (or students, or expats) just like you find the insurance coverage they need at a price they can afford while they're outside of the U.S.
Travel insurance gives you peace of mind while you're abroad.
U.S. healthcare & overseas challenges
The excitement of living or traveling abroad needs to be balanced with the reality of health care requirements. Because of how the U.S. health care system works, U.S. citizens and residents traveling for extended periods or living permanently abroad face unique challenges. For example, if you are of Medicare-qualifying age, you are expected to keep Part B of Medicare and Part D of drug coverage, or face penalties for late enrollees. Or, if you are not yet eligible for Medicare, the Affordable Care Act (aka "Obamacare") may require you to maintain minimum essential coverage or pay income penalties for not complying.
These are just a few of the many insurance-related challenges travelers and expatriates might face. To learn more about the different types of travel insurance solutions we can provide, keep reading.
Different types of travel insurance plans
Single-trip plans
Single-trip medical and accident insurance designed to cover travelers worldwide. This type of coverage is best for international travelers while outside their home country on short trips, U.S. residents traveling abroad, relatives visiting the U.S. from overseas, or short-term travel for business.
Multi-trip plans
Medical and accident insurance is also available for those who frequently travel internationally. This type of coverage is best for frequent, short-term leisure or business travelers outside their home country who are covered by an underlying individual or group medical plan, or those traveling abroad two or more times over a 12-month period. Multi-trip travel plans provide coverage for trips of up to 70 days in duration.
Group travel plans
Discounted group medical and accident insurance is also available for international travelers. This type of coverage is best for student, missions, or nonprofit groups, or groups/families of five or more who are traveling.
Trip protection & cancellation plans
Worried about losing money because of a trip cancellation or interruption? There are plans for that, too. All-inclusive international insurance reimburses you for prepaid costs or non-refundable deposits if you should be unable to take your trip. This type of coverage is ideal for most international travel, including all-inclusive trips and travel medical insurance plans, leisure travel cruises, and student travel.
Global student plans
Accident and sickness insurance is also available for international students and educators. This type of coverage is best for: students, scholars, and faculty members involved in international educational activities; foreign undergraduate or graduate students studying in the U.S.; and U.S. students studying abroad
Living abroad for 6 months or more?
Medically-underwritten long-term international health insurance is available for expatriates and long-term international travelers. This type of coverage is ideal for:
- U.S. residents living or working abroad for 6 months or more
- frequent travelers
- foreign expatriates relocating to the U.S.
- those with multiple countries of residence
- international executives, diplomats, students, contractors, entertainers and other longer-term international travelers.
Get a quote
Get a quote on travel insurance from one of our recommended long-term international coverage providers:
