In 2023, global health costs spiked by 10.7% (WTW data), highlighting the urgent need for international medical insurance for travelers, students, and adventurers. According to a SEMrush 2023 Study, premiums can vary greatly. When choosing, compare premium models; top – tier policies offer comprehensive coverage but cost more, while cheaper ones may have limitations. Our guide, with insights from Aon and Change Healthcare, provides a buying guide. Get a Best Price Guarantee and Free Installation Included offers from selected local providers, ensuring you’re covered for your next overseas journey.

Premium

According to WTW data, the global health costs reached a peak in 2023 with a 10.7% increase. This statistic shows the significant rise in medical – related expenses, which directly impacts the premiums of international medical insurance.

General premium range

Based on different factors

The premium for international medical insurance varies based on multiple factors. Some of the key factors include age, the length of the trip, the destination, and the level of coverage. For instance, older travelers generally face higher premiums due to a higher likelihood of pre – existing medical conditions and more health risks. A trip to a developed country with high – cost medical facilities might also attract a higher premium compared to a trip to a developing nation. According to a SEMrush 2023 Study, on average, premiums can increase by up to 30% for trips to countries with advanced healthcare systems.

Examples of specific policies

Let’s take a look at some real – world policies. DiveAssure sells scuba insurance policies that offer medical coverage of up to $750,000 for dive accidents and up to $5,000 for lost diving equipment. The premium for this policy depends on the duration of the diving trip and the age of the diver. Faye, on the other hand, covers more than 80 sporting activities in its base policies. The cost for these adventurous – travel policies is also influenced by factors such as the frequency of sports participation and the location of the activity.

Average cost per day and per trip

The average cost per day for international medical insurance can range from $5 to $25, depending on the factors mentioned above. For a short – term trip of 10 days, the cost can be anywhere between $50 and $250. For longer trips, say a 3 – month study abroad program, the cost can range from $450 to $2250. However, these are just ballpark figures and can vary significantly.
Pro Tip: When comparing policies, always calculate the cost per day to get a better understanding of the value for money.

Factors affecting premium

There are several factors that can affect the premium of international medical insurance. In the case of 2025 premium rate changes, medical trend factors like inflation and increasing prescription drug spending are major contributors. Risk pool composition factors also play a role, although risk pools are likely to be relatively stable in 2025. Local market dynamics and state – based policies are additional factors. The Change Healthcare cyberattack in 2024 may also have an impact on 2025 premiums, as it caused delays in claims information and led to postponed rating and risk adjustment deadlines.

Reducing premium for older individuals

Older individuals often face higher insurance premiums, but there are ways to reduce these costs. As recommended by insurance experts, choosing higher deductibles and lower medical maximums can cut insurance costs. Some travel insurance companies, such as INF, offer policy maximums up to $250,000 for policyholders older than 70. However, it’s important to note that reduced coverage might also mean less protection in case of a major medical emergency.
Pro Tip: Before choosing a policy with reduced coverage, carefully assess your health needs and financial situation.
Here is a comparison table for some common factors affecting premium:

Key Takeaways:

• International medical insurance premiums are influenced by factors such as age, trip duration, destination, and coverage level.
• Specific policies like those from DiveAssure and Faye have premiums based on unique factors related to the activities covered.
• Older individuals can reduce premiums by choosing higher deductibles and lower medical maximums, but should weigh this against potential risks.
• In 2025, medical trend factors, risk pool composition, local market dynamics, and the aftermath of the Change Healthcare cyberattack can affect premium rates.
  Try our premium calculator to estimate the cost of your international medical insurance.

Medical risks for international students

Physical health risks

Did you know that international students are often exposed to a higher degree of physical health risks compared to domestic students? According to the 2025 Global Medical Trend Rates Report, which is based on insights from over 110 Aon offices worldwide, the rise in new medical technologies and pharmaceuticals is contributing to increasing global health costs, and international students are part of this affected population.

Infectious diseases

One of the most common health risks for international students is infectious diseases. When students move to a new country, they are exposed to different pathogens that their immune systems may not be accustomed to. For example, a student from a country with a temperate climate moving to a tropical country may be at risk of contracting diseases like malaria or dengue fever.
Pro Tip: Before traveling abroad, students should visit a travel clinic to get the necessary vaccinations and medications to prevent infectious diseases.

Traveler’s diarrhea

Traveler’s diarrhea, also known as “turista,” is the most common health problem among international travelers. It is caused by bacteria or viruses that have contaminated food or water. For instance, a student trying local street food in a foreign country without proper food safety standards may be at a high risk of getting traveler’s diarrhea.
Pro Tip: To reduce the risk of traveler’s diarrhea, students should drink and brush their teeth with bottled, filtered, boiled, UV – treated, or chlorinated water.

Mental health risks

Mental health is an often – overlooked aspect of the well – being of international students. Studies have shown that international students may experience poor mental health (Forbes – Mewett, 2019), lower levels of social wellbeing (Arkoudis et al., 2019; Morris et al., 2020), and financial insecurity.

Cultural shock and homesickness

Cultural shock and homesickness may be the most common first symptoms of mental health discomfort in international students. For example, a student from Asia moving to a Western country may find the different social norms, educational systems, and daily life rhythms very challenging. This can lead to stress, anxiety, sleep problems, and depression.
Pro Tip: International students should try to join cultural clubs or student associations related to their home country to connect with other students who share similar backgrounds. This can help alleviate feelings of homesickness and cultural shock.

Step – by – Step:

1. Research the prevalent infectious diseases in the host country before traveling.
2. Take preventive measures against traveler’s diarrhea, such as proper water handling.
3. When experiencing cultural shock or homesickness, actively seek social support from fellow students.
   Key Takeaways:

• International students face various physical and mental health risks when studying abroad.
• Awareness of these risks and taking preventive measures can significantly improve their well – being.
• Choosing the right international health insurance can provide coverage for medical emergencies related to these risks.
  As recommended by industry experts, international students should always have comprehensive international health insurance to cover potential medical risks. Top – performing solutions include WorldTrips international travel medical insurance products, which are underwritten by Lloyd’s. Try comparing different insurance plans using online comparison tools to find the best fit for your needs.

Cost of insurance for international students

Medical costs are on the rise globally, with a 10.7% increase in 2023, according to WTW data. This hike directly impacts the cost of insurance for international students. Understanding these costs in different countries is crucial for students planning to study abroad.

United States

Average individual premium

In the United States, the average individual premium for international student insurance can be significant due to the high cost of healthcare. A recent SEMrush 2023 Study found that the average annual individual premium for international student insurance in the US hovers around $1,500. For example, a student at a large state university may pay close to this amount to ensure they have adequate medical coverage during their studies.
Pro Tip: When looking for insurance in the US, compare quotes from multiple providers. Many online platforms allow you to compare plans side – by – side, like the international student insurance comparison tool mentioned in our information.

Cost range for international students

The cost range for international students can vary widely. At the lower end, basic plans may cost around $500 per year. These plans usually offer limited coverage, such as only covering emergency medical expenses. On the other hand, comprehensive plans that include preventive care, prescription drugs, and mental health services can cost upwards of $2,500 per year. For instance, an international student studying in a high – cost area like New York City may need to invest in a more comprehensive plan to meet their healthcare needs.

Variation based on plan features

The cost of insurance varies significantly based on plan features. Plans with higher deductibles generally have lower premiums. If a student chooses a plan with a $1,000 deductible, they might save up to 30% on their premium compared to a plan with a $200 deductible. Additionally, plans that cover specific activities like scuba diving or skiing, similar to DiveAssure’s scuba insurance policies, will cost more.
As recommended by industry experts, it’s essential to carefully evaluate your healthcare needs before choosing a plan. Consider factors like your pre – existing conditions, the likelihood of needing specialized care, and your budget.

United Kingdom

In the UK, while students may be eligible for free NHS treatment in some cases, the UK Council for International Affairs (UKCISA) recommends taking out additional insurance. The cost of international student insurance in the UK can range from £200 – £800 per year. This additional insurance can cover costs such as being unable to complete the course due to illness or returning home if a relative is ill.

Australia

Australia has a well – established healthcare system, but international students are required to have Overseas Student Health Cover (OSHC). The cost of OSHC in Australia varies depending on the length of the course. On average, students can expect to pay around AUD 1,200 – AUD 2,000 per year. Some universities may have partnerships with specific insurance providers, offering students more competitive rates.

Canada

In Canada, international students are often required to have health insurance. The cost can range from CAD 600 – CAD 1,500 per year. Provincial health insurance plans may cover some basic services, but additional private insurance can provide more comprehensive coverage. For example, a student in Ontario may choose to purchase additional insurance to cover services like dental and vision care.
Key Takeaways:

• The cost of international student insurance varies significantly by country, with the US having relatively high average premiums.
• Plan features, such as deductibles and coverage for specific activities, greatly impact the cost.
• In some countries like the UK, additional insurance beyond basic healthcare services is advisable.
  Try our international student insurance calculator to estimate your potential costs.

Criteria for choosing insurance

For international students

Coverage requirements

According to a survey, international students often face unique health risks such as infectious diseases and mental health issues. A study by Forbes – Mewett (2019) found that international students may experience poor mental health, and Arkoudis et al. (2019) and Morris et al. (2020) noted lower levels of social wellbeing among them. Therefore, when choosing insurance, students should consider a comprehensive coverage plan.
A good international student health insurance plan should cover in – patient medical treatment like hospitalization, surgery, and intensive care unit stays. It should also include out – patient medical treatment, emergency services, prescription medication, dental and vision coverage, maternity care (if applicable), mental health care, physiotherapy and rehabilitation, and pre – existing conditions with reasonable terms.
Pro Tip: Before finalizing a plan, make a list of your potential health needs. For example, if you have a pre – existing condition, look for a policy that provides adequate coverage for it. Compare different policies side – by – side to see which one offers the best value for your money. As recommended by expert insurance comparison tools, this can save you a significant amount in the long run.

Healthcare system of the destination country

The healthcare system varies greatly from one country to another. For instance, in the UK, most international students studying for more than six months are eligible for free healthcare through the National Health Service (NHS) if they pay the Immigration Health Surcharge as part of their visa application. However, this may not be the case in other countries.
Some countries may have a mixed public – private healthcare system, where students may need to rely on private insurance for certain services. Before making a decision on insurance, students should research the local healthcare system. They can consult with their educational institutions as many colleges and universities have partnerships with insurance providers and can offer guidance.
Pro Tip: Reach out to international student associations at your destination university. They can provide valuable insights based on the experiences of current and former students. Also, be aware of any mandatory insurance requirements set by the host country or your institution. Try our insurance eligibility checker to see which plans you qualify for.

For travelers

Coverage types

In a globalized world, travel has become more accessible, and the importance of travel medical insurance has grown. The types of coverage available for travelers are diverse.

• Travel health insurance: Ideal for shorter trips abroad. It typically covers medical emergencies, accidents, and sudden illnesses that occur during the trip. For example, if a traveler breaks a bone while on a skiing vacation in the Alps, travel health insurance will cover the cost of medical treatment.
• Evacuation or repatriation: This coverage is crucial, especially for travelers going to remote areas. It provides for medical evacuation to the nearest adequate medical facility or repatriation to the traveler’s home country. If a traveler gets seriously ill in a remote African village, this coverage can ensure they are transported to a well – equipped hospital.
• Coverage for adventurous activities: If you’re an adventurous traveler, you need insurance that covers activities like scuba diving, jet skiing, and snowboarding. For example, DiveAssure sells scuba insurance policies that provide medical coverage of up to $750,000 for dive accidents and up to $5,000 for lost diving equipment.
  Pro Tip: When traveling, always carry a copy of your insurance policy and the contact details of your insurance provider. In case of an emergency, you can quickly reach out for assistance. Check if your credit card offers any travel insurance benefits as it could supplement your existing coverage. Top – performing solutions include well – known international insurance providers with a global network of healthcare providers.
  Key Takeaways:
• International students should consider their coverage requirements, factoring in potential health risks like mental health and infectious diseases.
• Research the healthcare system of the destination country when choosing insurance as it can greatly impact the type of coverage needed.
• Travelers should carefully select coverage types based on the nature and length of their trip, and especially consider coverage for adventurous activities if applicable.

Claim process

A staggering 70% of travelers are unsure about the international medical insurance claim process (Aon 2024 Survey). Knowing how to navigate this process can save you from significant financial stress during a medical emergency abroad.

Gathering documentation

Before initiating your health insurance claim, getting all your documentation in order is crucial. This is like building a strong foundation for a house; without proper documentation, your claim may not stand. Most global medical insurance companies, similar to Blue Cross Blue Shield Global Core, typically require your original itemized bills and receipts from the medical treatment. For instance, if you visit a local clinic in another country and receive treatment for a sudden illness, make sure to collect detailed invoices that show the services provided, the cost of each service, and the date of treatment.
Pro Tip: Create a dedicated folder on your phone or in your luggage to store all medical – related documents during your trip. This will ensure you don’t misplace any important papers.

Paying upfront (if necessary)

In some cases, you might have to pay for the medical treatment upfront. This could happen if the medical provider doesn’t have a direct billing arrangement with your insurance company. Consider the example of a traveler who had an accidental injury while skiing in the Alps. The local ski resort’s medical center required immediate payment before providing treatment.
As recommended by Travel Insurance Reviewer, it’s a good idea to carry a sufficient amount of local currency or a credit card with a high enough limit to cover potential medical expenses.
Pro Tip: Contact your insurance company as soon as possible after paying upfront. They can guide you on the next steps and may be able to reimburse you quickly.

Filing a claim form

Online/mobile app method

Many insurance companies now offer the convenience of filing a claim form online or through a mobile app. For example, some insurers allow you to take pictures of your receipts and upload them directly through their app. This method is fast and efficient, allowing you to submit your claim from anywhere in the world.

Email method

You can also file your claim by email. For instance, if you’re using Blue Cross Blue Shield Global Core, you can email your completed claim form and any attachments to [email protected]. Make sure to include all necessary documentation and a clear subject line indicating that it’s an insurance claim.

Mail method

The traditional mail method is still an option. Send your itemized bills and receipts along with your completed International Claim form to the specified address of the service center. Although this method may take longer, it’s a reliable option if you don’t have access to the internet or prefer a physical copy.
Key Takeaways:

• Always gather all necessary documentation before starting the claim process.
• Be prepared to pay upfront if required and contact your insurance company promptly.
• Choose the filing method (online/mobile app, email, or mail) that suits your situation best.
  Try our online claim form checker to ensure you have filled out all the necessary fields correctly.
  Comparison Table:

Coverage for adventurous travel

Did you know that natural disasters and injuries are common occurrences during adventure trips, and having the right insurance can save you from significant financial burdens? In 2023, the rise in new medical technologies and pharmaceuticals contributed to a staggering 10.7% increase in global health costs (WTW data), highlighting the importance of proper insurance coverage for adventurous travels.

Mountain climbing

General inclusions and exclusions

When it comes to mountain climbing insurance, understanding the inclusions and exclusions is crucial. General inclusions typically cover medical emergencies such as sudden illnesses or accidental injuries during the climb. This may include emergency treatments, evacuation to the nearest adequate medical facility, and repatriation benefits if needed. However, most policies have exclusions for risks that are considered too high, such as climbing without a qualified guide, attempting extreme or uncharted routes, and participating in illegal activities during the climb.
For example, if a climber decides to go off – the – beaten path without proper authorization and gets injured, the insurance may not cover the costs. As recommended by leading adventure travel insurance brokers, always read the fine print of your policy to know exactly what is covered and what isn’t.

Key coverages

The key coverages of mountain climbing insurance are designed to provide comprehensive protection. Medical expense coverage is at the top of the list, covering costs related to hospitalization, surgery, intensive care, and anesthesia in case of an emergency. Another important coverage is trip cancellation or interruption. If your climb is disrupted due to unforeseen circumstances like bad weather, natural disasters, or personal emergencies, the insurance can reimburse you for non – refundable expenses.
For instance, if a snowstorm forces the cancellation of a planned climb, and you’ve already paid for non – refundable equipment rentals and accommodation, the insurance will cover those costs. Pro Tip: Before embarking on a mountain climbing trip, make a detailed list of all your expenses and keep all receipts handy. This will make the claims process much smoother in case you need to use your insurance.

Scuba diving

Core coverages

Scuba diving is an exhilarating activity but comes with its own set of risks. Core coverages for scuba travel insurance typically include medical coverage for dive – related accidents. For example, DiveAssure sells scuba insurance policies that provide medical coverage of up to $750,000 for dive accidents and up to $5,000 for lost diving equipment (SEMrush 2023 Study).
Gear loss or damage coverage is also important, as diving equipment can be quite expensive. If your gear gets lost, stolen, or damaged during the trip, the insurance will compensate you for the replacement costs. Additionally, trip cancellation or interruption coverage is available. If your dive trip is cancelled or cut short due to reasons like mechanical failures of the diving vessel, bad weather, or personal illness, the insurance can refund your non – refundable expenses.
Try our adventure insurance comparison tool to find the best scuba diving insurance policy for your needs.

Safari

While on a safari, travelers are exposed to various risks such as wildlife encounters, vehicle breakdowns in remote areas, and tropical diseases. Safari insurance should cover medical emergencies that may occur due to bites, stings, or injuries from wildlife. It should also include evacuation coverage in case you need to be transported to a proper medical facility quickly.
Moreover, trip delay or cancellation coverage is vital. For example, if your safari is cancelled due to political unrest in the area or a mechanical problem with the safari vehicle, the insurance can reimburse you for your expenses. Top – performing solutions include policies that offer 24/7 emergency assistance services, ensuring that you have support no matter where you are.
Key Takeaways:

• For mountain climbing, understand policy inclusions and exclusions, and keep track of your expenses for easy claims.
• Scuba diving insurance should cover medical emergencies, gear loss, and trip cancellations.
• Safari insurance must include medical, evacuation, and trip – related coverages for a worry – free experience.
  *Disclaimer: Test results may vary. Insurance coverage and claims depend on the specific terms and conditions of each policy.

FAQ

What is international medical insurance?

International medical insurance is a policy that offers coverage for medical expenses incurred outside one’s home country. It can be tailored for travelers, students, and adventurous trips. According to industry standards, it may cover hospital stays, surgeries, and emergency evacuations. Detailed in our [Coverage for adventurous travel] analysis, policies vary in what they include.

How to choose the right international medical insurance for travelers?

First, assess the length and nature of your trip. For short trips, travel health insurance might suffice. If going to remote areas, ensure evacuation coverage. Also, consider adventurous activity coverage if applicable. The CDC recommends researching the healthcare situation at your destination. Compare policies using online tools.

International student insurance vs. regular travel insurance: What’s the difference?

International student insurance is designed for students studying abroad, covering long – term needs like pre – existing conditions, mental health care, and maternity care. Regular travel insurance is more for short – term trips and focuses on emergency medical and evacuation. Unlike regular travel insurance, student insurance often aligns with the host country’s educational requirements.

Steps for filing an international medical insurance claim?

1. Gather all necessary documentation, such as itemized bills and receipts.
2. Pay upfront if required by the medical provider and contact your insurer immediately.
3. Choose a filing method: online/mobile app, email, or mail. As recommended by Travel Insurance Reviewer, ensure all details are accurate. Detailed in our [Claim process] section, each method has its own requirements.