You saved for months, booked the dream trip, and then—boom—disaster strikes. No travel insurance? That dream vacation just turned into a financial nightmare. And the worst part? It was totally avoidable. Travel insurance is so affordable that skipping it is like leaving your car unlocked in a parking lot with the keys inside—why take the risk?
Here’s a real-life lesson: A couple we know planned a dream, all-inclusive Mexico vacation for around $10,000 [not like the cheap Mexico all-inclusives that we go to]. Two weeks before the trip, one of them had a serious health scare, landing in the hospital for two weeks. Since they weren’t married and the guy who booked the trip didn’t have travel insurance, canceling meant losing everything. So, the day she was discharged—in a wheelchair, no less—she was wheeled straight to the airport. And thanks to her medical condition, she couldn’t even enjoy a drink at the all-inclusive resort.
Imagine just getting out of the hospital, probably dreaming about your own bed, but nope—you’re off to an all-inclusive resort in a wheelchair, where you won’t even get to enjoy half the amenities. No poolside cocktails, no beach adventures—just a pricey trip to sit and watch other people have fun. Brutal.
This is exactly why travel insurance is worth it. No one likes to think about trip disruptions, let alone canceling for any reason, but what if something happens mid-vacation or you need emergency medical assistance? Without travel medical insurance, you could be staring down a financial nightmare.
Why We Use Insubuy (And Why You Should Too)
Insubuy is our go-to because it’s an online travel insurance aggregator that pulls together the best policies from multiple U.S.-based insurance companies. This means you can get instant quotes and easily compare plans side by side—no hunting around different websites.
We Did the Math Do You Don’t Have To 🤓💯
We’ve run the numbers, and depending on the length of your trip, you could easily overpay by hundreds or even thousands of dollars with other options. No thanks!
A lot of people feel safest buying insurance directly from the airline, cruise line, or booking company they used—but that’s actually the worst option. Their plans are usually overpriced, offer the bare minimum coverage, and, worst of all, they’re designed to protect them, not you.
If something goes wrong, you need a third party to advocate for you—not the company that’s trying to keep their own costs down. And if you see anyone claiming to have lower prices, they don’t.
Wouldn’t you rather put that money toward a nicer hotel, amazing dinners, or souvenirs? That’s why we recommend Insubuy. It offers a great price-to-coverage ratio and makes it simple to adjust your premium and deductible to fit your needs and budget.
Even better? They have plans that cover pre-existing conditions.
What is Insubuy?
Insubuy is an online platform that makes it ridiculously easy to compare travel insurance options. You get instant quotes from top-rated U.S. insurers, and purchases are completely seamless and paperless—done in minutes. Plus, unlike some other sites, you don’t have to enter your contact info just to see a quote. That means no annoying telemarketer calls or spam emails.
One of the best perks? You can tweak the deductible and premium amounts to find the perfect balance. Not sure what those terms mean?
Here’s a simple breakdown:
- Premium – The amount you pay for your insurance policy. Higher premiums generally mean more coverage and lower out-of-pocket costs later.
- Deductible – The amount you pay out-of-pocket before your insurance kicks in. A higher deductible means lower premiums, and vice versa.
Basically, suppose you want a zero-deductible plan with a higher premium or a high-deductible plan with a lower premium. In that case, Insubuy gives you the flexibility to choose what works best for you and your pocketbook.
Max Coverage vs. Medical-Only – The Ultimate Showdown
Alright, here’s the game plan: First, we’ll hit the all-encompassing full travel insurance plans—the ones that cover everything from medical emergencies to trip cancellations, delays, and interruptions. They cost more, but they’ve got your back no matter what.
Then, we’ll roll into travel medical insurance plans—a way cheaper option that focuses on emergency medical care and evacuation but skips the trip protection stuff. If you just want coverage for you (not your airline or hotel), this is the budget-savvy move.
Basically, if you’re worried about losing cash on canceled plans, go for full travel insurance. If you just want medical coverage abroad, travel medical insurance will save you a ton.
Now, let’s break it all down—starting with the most comprehensive plans. 🚀
Top-Tier Coverage for Big-Time Travelers
These are the most comprehensive travel insurance plans out there—designed for travelers who want maximum protection, no matter where their journey takes them. With higher medical and evacuation limits, trip cancellation options (including Cancel for Any Reason), and coverage for everything from cruises to adventure sports, these plans are built for those who leave nothing to chance.
If you’re looking for the best coverage money can buy, this is where you’ll find it, our preferred option here is #1, Safe Travels Explorer.
These plans are sorted from cheapest to most expensive.
- Safe Travels Explorer: The no-fuss, affordable option to keep you covered for medical, evacuation, and trip protection—because your adventure deserves peace of mind.
- Safe Travels Journey: Step up your game with more medical coverage, a bigger evacuation limit, and Cancel for Any Reason—because sometimes, life throws curveballs.
- Travel Lite: Perfect for shorter or simpler trips, this plan gives you emergency assistance and medical protection, minus the fluff.
- Safe Travels Voyager: Full-throttle coverage with higher medical and evacuation limits, plus extras like Cancel for Any Reason—because you never know what might pop up.
- Travel SE: For the serious globetrotter—this plan covers international travel, cruises, and even telemedicine, so you can focus on enjoying the journey.
- Travel LX: Go big or go home—premium coverage with high limits, adventure benefits, and options like Cancel for Any Reason and Interruption for Any Reason.
Budget-Savvy Coverage for Worry-Free Adventures
These travel medical insurance plans give you solid protection without the hefty price tag. Whether you’re a budget-conscious explorer, an international traveler needing medical coverage, or just looking for essential protection in case of emergencies, these plans keep things simple and affordable.
From basic medical benefits to evacuation and even some pre-existing condition coverage, you can roam with confidence—without blowing your travel budget. Our preferred option here is #4, Patriot International Lite.
11 Best Medical Plans
These plans are sorted from cheapest to most expensive.
- Atlas Essential International: A great option for international travelers looking for solid coverage, with lower co-insurance rates and good medical benefits—because sometimes simplicity is key.
- Beacon International: A solid, affordable choice with medical and evacuation coverage, plus COVID-19 protection—because the world can throw curveballs, but this plan’s got your back.
- Atlas International: A robust plan with everything you need—medical, evacuation, and COVID-19 protection—with extra love for pre-existing conditions, so you can roam free without worry.
- Patriot International Lite: Perfect for the budget-conscious traveler who wants solid coverage, including acute onset of pre-existing conditions and high evacuation limits—without the premium price tag.
- Voyager Essential: Reliable coverage for your short trips, offering medical, evacuation, and repatriation benefits—because your travels deserve peace of mind.
- Safe Travels Outbound: A wallet-friendly option for quick trips, offering basic medical and travel coverage—because adventure doesn’t need to break the bank.
- Voyager Choice: Flexible and budget-friendly, this plan’s perfect for travelers under 70 who want pre-existing condition coverage and a low deductible—because sometimes you need options.
- Atlas Premium International: The top-of-the-line plan for ultimate peace of mind—high evacuation limits, COVID-19 coverage, and comprehensive protection for the fearless adventurer.
- InterMedical: For those seeking coverage for the unexpected—like acute onset of pre-existing conditions—with solid medical benefits that won’t leave you stranded.
- USAway: The premium plan for those who want zero deductible and comprehensive evacuation and repatriation—just don’t expect any COVID-19 coverage here.
- VisitorSecure: A smart, affordable pick for visitors outside their home country, offering basic medical coverage with fixed benefit payouts—because staying safe should be simple.
Bottom Line
Travel insurance is one of those things you’ll be glad you have if you ever need it. The cost is minor compared to the financial hit you could take if things go sideways. Protect your trip—and your sanity—with Insubuy. Because peace of mind is worth way more than the price of coverage.
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