Short-term coverage
Travel medical insurance for US residents abroad
For a single trip, a year of frequent travel, or a semester overseas. These plans cover emergency medical care, hospital stays, and evacuation while you are outside the US, and they pay providers directly so you are not stuck with the bill.
Travel medical plans
Pick by how long you will be gone and how often you travel.
Single-Trip
Medical coverage for one trip abroad.
Leisure travelers, frequent flyers, and anyone taking a defined trip outside the US.
- Covers a single trip from a few days to several months
- Emergency medical care and hospital stays while abroad
- Emergency medical evacuation and repatriation
- Direct pay at in-network providers, so no large bill upfront
Multi-Trip
One annual plan for travelers who go often.
Frequent travelers and digital nomads who take several trips a year.
- One policy covers multiple trips over twelve months
- No need to re-buy coverage before every departure
- Same emergency medical and evacuation protection on each trip
- Direct pay at in-network providers worldwide
Student & Faculty
Built for Americans studying or teaching abroad.
American students on semester, gap-year, or study-abroad programs, plus visiting faculty.
- Coverage that meets common study-abroad program requirements
- Emergency medical care, evacuation, and repatriation
- Term lengths that match an academic semester or year
- Direct pay so families avoid out-of-pocket surprises overseas
Travel medical guides by destination
What US travelers should know about medical care, costs, and coverage in the places they go most.
From a long weekend to a year on the road, go like nothing can slow you down.
Get your quoteThe difference that matters
Your doctor gets paid directly. You do not front the bill.
BCBS Global Solutions has a direct-pay provider network in 190 countries. At an in-network hospital or clinic, the plan settles the bill directly. You are not handing over a credit card for a large medical charge and waiting months for a refund.
That is the gap most travel insurance leaves open. Plans like World Nomads, SafetyWing, and Allianz usually work on reimbursement. You pay upfront, file a claim, and hope it comes back. For a real emergency abroad, that difference is the whole point.
BCBS Global, in network
$0 out of pocket
Plan pays the provider directly at the point of care.
Typical reimbursement plan
Pay first, claim later
You cover the bill, then wait weeks or months for a refund.
Cheaper is not the same as covered
World Nomads, SafetyWing, Allianz and similar plans often look less expensive at checkout. The catch shows up at the hospital, where you pay upfront and file for reimbursement later. BCBS Global pays in-network providers directly, which is what you actually want when something goes wrong far from home.
Not sure which plan fits?
Book a free 15-minute Insurance Sanity Check. It is a second opinion on the coverage you have or the trip you are planning, not a sales pitch. Most people do not realize what their credit card or current policy leaves out.
Free guide
Which BCBS Global plan fits you?
Get the plain-English plan picker. It walks you through Single-Trip, Multi-Trip, Long-Term, and student coverage in two minutes, so you buy the right plan the first time.
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