Answers from TravallamaINS, a licensed independent travel insurance agency, to common questions about this. Benefits, limits and conditions differ by plan and by state, and the plan document governs.
Emergency medical limits per person:
The benefit covers a sickness or injury that happens during the trip. Care after you return home is not covered.
For routine care you usually pay and then file a claim with your receipts. For a hospital admission, call the plan's 24/7 assistance line right away: it can verify your benefits with the hospital, and Travel Insured states its assistance provider will arrange advance payment for a hospital admission.
Keep every bill, receipt and medical report.
Medical evacuation pays to transport you to the nearest suitable hospital, or home, when a physician and the plan's assistance company determine that adequate care is not available where you are.
Only when it is medically necessary and approved by the assistance company. Evacuation is first to the nearest suitable hospital.
For medical benefits, normal pregnancy and childbirth are excluded on most plans, while complications of pregnancy are covered.
For trip cancellation it depends on the plan:
Yes, with a small limit inside the medical benefit: $750 on Travel Insured, WorldTrips and Trawick Pathway Premier, and $500 on Trawick Pathway Plus.
On Travel Insured and Trawick it applies to treatment for an accidental injury to natural teeth. WorldTrips covers emergency dental treatment. Routine dental care is not covered.
It depends on the plan, your state's version and the activity.
Check the definitions in your own plan document for your activity.
The plans include repatriation of remains, which pays to return the body home. It must be authorized and arranged by the plan's 24/7 assistance company, so call that number first.
The plans also include an accidental death and dismemberment benefit: $10,000 on Travel Insured and Trawick, $25,000 on WorldTrips Explore, and $50,000 on Elevate.
Call the plan's 24/7 assistance line for help arranging a replacement. The cost of the medication itself is generally not reimbursed: prescribed medications are listed as not covered under the baggage benefit on Travel Insured and Trawick's Florida plans.
A doctor visit needed only to replace a prescription is not described as a covered medical expense; a new sickness or injury during the trip is.
Last updated October 2026.
For residents of Florida, California, Illinois, Michigan, North Carolina and New York. Enter your state, dates and trip cost to see the plan options side by side. Getting a quote does not buy insurance.