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Postal Service Health Benefits (PSHB) Program FAQs

The Postal Service Health Benefits (PSHB) Program is a new, separate program within the Federal Employees Health Benefits (FEHB) Program, administered by the Office of Personnel Management (OPM) which will provide health insurance to eligible Postal Service employees, Postal Service annuitants, and their eligible family members starting in 2025. The PSHB Program coverage will replace Federal Employees Health Benefit (FEHB) Program coverage for these groups.

USPS has issued fact sheets on the PSHB program – one for current Postal employees , and one for Postal annuitants . Visiting these links will bring you to a USPS-owned website.

The team at OPM, in conjunction with the United States Postal Service (Postal Service), is working tirelessly to help ensure a seamless transition and positive experience for Postal Service employees, Postal Service annuitants, and their families.

What to Know Right Now

Who is eligible for coverage through the pshb program.

According to the law, Postal Service employees, Postal Service annuitants, and their family members who are currently eligible for coverage under the FEHB Program will be eligible for coverage under the PSHB Program.

Is there anything Postal Service employees or annuitants need to do right now to keep their health insurance coverage?

Not immediately. Employees, annuitants, and eligible family members may continue to participate in the FEHB Program for the 2022, 2023, and 2024 plan years. Their current FEHB enrollment will continue unless they make any changes prior to January 2025. OPM and the Postal Service will continue to provide updates leading up to the 2024 PSHB Open Season to help ensure a smooth transition for all eligible employees and annuitants.

When does the PSHB Program begin?

The first opportunity to select a PSHB plan will take place during Open Season in late 2024, and coverage under the PSHB health benefits program coverage will begin January 2025.

Are there any upcoming deadlines to know about?

Eligible Postal Service employees and Postal Service annuitants must enroll in a PSHB plan during the PSHB Program Open Season in late 2024. Postal Service employees and Postal Service annuitants currently enrolled in FEHB plans who do not enroll in a new PSHB plan during Open Season in 2024 will automatically be enrolled in a PSHB plan.

Will the PSHB Program affect enrollment in any other benefits?

Enrollment in a PSHB plan will not disrupt enrollment in other insurance and benefits programs, including:

  • Federal Employees Dental and Vision Insurance Program (FEDVIP)
  • Federal Flexible Spending Account Program (FSAFEDS)
  • Federal Employees' Group Life Insurance (FEGLI), or
  • Federal Long Term Care Insurance Program (FLTCIP)

Does the Postal Service Reform Act of 2022 (PSRA) allow Postal Service employees, Postal Service annuitants, and their eligible family members to remain in a Federal Employees Health Benefits (FEHB) plan in 2025?

While Postal Service employees, Postal Service annuitants, and their eligible family members will remain in the FEHB Program, for coverage effective January 1, 2025, they will no longer be able to remain in an FEHB plan. During Open Season in 2024, eligible individuals must enroll or will be automatically enrolled in a Postal Service Health Benefits (PSHB) plan, within the FEHB Program, in order to receive health insurance based upon their active employment with or retirement from the Postal Service.

Does the Postal Service Reform Act (PSRA) affect the ability of family members of Postal Service employees or Postal Service annuitants who are separately eligible for enrollment in FEHB plans to enroll in FEHB plans?

No. If a family member of a Postal Service employee or Postal Service annuitant meets the eligibility requirements for enrollment in an FEHB plan, such as through qualifying employment with the Federal government, the PSRA will not affect their eligibility to enroll in an FEHB plan or affect their ability to cover their eligible family members.

Will there be an opportunity to enroll in Medicare Part B without a late enrollment penalty?

Yes. Most Postal Service annuitants and their eligible family members who are entitled to Medicare Part A will be eligible to enroll in Medicare Part B during a six-month special enrollment period (SEP). Individuals who qualify for the SEP will receive a separate notification prior to April 1, 2024, in accordance with the PSRA.

Does the implementation of the PSHB Program affect eligibility for continuing enrollment in health benefits after retirement?

Yes. Subject to limited exceptions, Postal Service annuitants and their family members who are entitled to Medicare Part A must enroll in Medicare Part B to be eligible to continue PSHB coverage.

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Usps fact sheets on the new postal service health benefits program.

Since the enactment of the Postal Service Reform Act (PSRA) last year, NALC has been working with the Postal Service, the Office of Personnel Management (OPM), our sister postal unions, and other stakeholders on the implementation of the Postal Service Health Benefits (PSHB) Program, a new postal health insurance program required under the PSRA in 2025.

PSHB is a separate program within the Federal Employees Health Benefits (FEHB) Program and will be administered by OPM. The PSHB Program’s coverage of postal employees and annuitants (as well as covered family members and survivors) will be effective Jan. 1, 2025.

NOTE: The changes called for by the PSRA will have no immediate effect on postal participants currently covered by FEHBP or on the 2023 Open Season (for plan year 2024).

Today, the Postal Service released fact sheets for employees and annuitants with more information on the PSHB Program.

USPS fact sheets

  • PSHB employee
  • PSHB annuitant

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post office travel and health insurance

USPS Health Benefits Plan

Changes took effect jan. 1.

post office travel and health insurance

CareFirst BlueCross BlueShield became the new administrator of the USPS Health Benefits Plan on Jan. 1.

USPS Health Benefits Plan participants who were enrolled during 2021 and made no changes during open season were automatically transferred to the new plan. Member ID cards were mailed to participants, beginning Jan. 2.

To register for online account access, go to carefirst.com/usps . You can also review plan information regarding benefits, locate participating providers and find other resources.

Rate information is located on the USPS Health Benefits Plan LiteBlue page .

Employees with additional questions should call the Human Resources Shared Service Center at 877-477-3273 and select Option 5. For questions related to coverage, call CareFirst BlueCross BlueShield at 833-960-4025.

This change has no effect on career employees who are covered under the Federal Employees Health Benefits Program.

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VisitCover

Post Office Travel Insurance – Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

We see your suitcase is packed and your passport is ready. But before you dash off to your dream destination, let’s talk about that non-negotiable travel buddy: insurance.

Not just any insurance, but Post Office Travel Insurance. Here’s everything you need to know.

In this article...

Post Office Travel Insurance: An Introduction

Post Office Travel Insurance isn’t a boring old postal service. It’s a lifeline for travelers, offering a safety net across the globe. It’s been awarded the ‘Best Travel Insurance Provider’ by the British Travel Awards for 12 consecutive years – pretty impressive, right?

Their policies are designed to cover various unexpected events during your journey, from medical emergencies to travel disruptions.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Decoding the Types of Post Office Travel Insurance

Here’s the good news: Post Office Travel Insurance isn’t a one-size-fits-all policy. They offer different types of cover to suit your unique travel needs. Here’s a quick run-through:

  • Single Trip Insurance: Perfect for one-off adventures, this covers you for a single holiday or business trip.
  • Annual Multi-Trip Insurance: If you’ve got a severe case of wanderlust and plan multiple trips in a year, this policy has got you covered.
  • Backpacker Insurance: Designed for the intrepid globetrotter, this policy covers long trips and even working holidays.
  • Over 50s Travel Insurance: Tailored for travelers over 50, this policy offers comprehensive cover and no upper age limit.
  • Family Travel Insurance: A policy that protects the entire family under one umbrella. It often includes free cover for children.

The Perks and Protection: What’s Covered?

A key part of choosing your travel insurance is understanding the cover provided. Post Office Travel Insurance offers protection against:

  • Medical Emergencies: From sudden illness to injury, your medical expenses are covered. This includes hospital fees, transport, and even a return journey if needed.
  • Cancellation and Curtailment: If you have to cancel or shorten your trip due to unforeseen circumstances, you’re protected against any financial loss.
  • Baggage Loss: Say goodbye to worries about lost luggage. If your baggage goes on an adventure of its own, the Post Office has got you covered.
  • Travel Delays: Stuck at the airport due to delayed or cancelled flights? You’re eligible for compensation.
  • Personal Liability: If you cause harm to someone or their property, the policy has got your back.

Remember, it’s crucial to read the policy document carefully to know exactly what’s covered.

Post Office Travel Insurance vs Private Travel Insurance: Comparison

Of course, the Post Office isn’t the only game in town when it comes to travel insurance.

There are plenty of private companies offering competitive policies. So how does Post Office Travel Insurance stack up against them? Let’s have a closer look.

Post Office Travel Insurance

Post Office Travel Insurance shines in its comprehensive coverage . It’s a solid choice for many travelers, thanks to its broad variety of plans , from single trips to annual multi-trips.

Here’s a snapshot of what makes it stand out:

  • Range of Policies: With policies tailored to backpackers, over-50s, families, and frequent flyers, the Post Office caters to a wide demographic of travelers.
  • Broad Coverage: They provide extensive coverage, including medical emergencies, cancellation, curtailment, lost baggage, and travel delays.
  • Ease of Application: The application process is user-friendly and straightforward, with the ability to apply directly through their website.

Private Travel Insurance Companies

Private travel insurance companies, like World Nomads and Allianz Travel, bring their unique strengths to the table. Here’s what they offer:

  • Specialist Coverage: Some private companies specialize in certain types of coverage. For example, World Nomads is renowned for its adventure travel insurance, covering over 200 adventure activities.
  • Flexible Policies: Many private insurers offer the flexibility to extend your coverage or adjust your policy even after your journey has begun.
  • Additional Benefits : Some private insurers offer extra perks. For example, Allianz Travel provides coverage for rental car damage or theft as part of their policies.

In the end, the best travel insurance for you will depend on your individual needs and travel plans. It’s important to closely examine each policy’s offerings, exclusions , and price before making a decision.

While Post Office Travel Insurance offers a one-stop-shop solution with policies for every type of traveler, private insurers may provide more specialized coverage or added flexibility.

Be sure to weigh your options carefully to choose the policy that’s the perfect fit for your journey.

Easy-Peasy Application Process

Applying for Post Office Travel Insurance is as breezy as a walk in the park. Simply hop onto their website, choose your policy, fill in your travel details, and hit apply. You’ll then receive a quote. If you’re happy with it, proceed to payment. Boom! You’re insured.

The Final Word

Post Office Travel Insurance is all about taking the worry out of your wanderlust, offering a safety net that lets you savor your adventures fully. And remember, always travel insured because no trip should be a gamble.

1. Is Post Office Travel Insurance good?

With numerous awards under its belt and a wide range of comprehensive policies, Post Office Travel Insurance is certainly a strong contender in the market. However, as with any insurance, ensure it fits your personal needs before purchasing.

2. How do I make a claim with Post Office Travel Insurance?

Making a claim with Post Office Travel Insurance is straightforward. You can make a claim online on their website, or call them on their claims line. Remember, always have your policy number and relevant documents handy when making a claim.

3. Can I get a refund if I don’t use my Post Office Travel Insurance?

If you cancel your Post Office Travel Insurance within 14 days of purchase and haven’t made a claim or started your trip, you can receive a full refund. After 14 days, the refund policy may vary.

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Visitcover.com is a travel insurance review portal that will help you choose the right travel insurance plan for your next trip. By bringing you unbiased, fact-checked, verified information about travel insurance companies, plans, claim processes, and everything that's usually mentioned in the fine print. Make informed decisions, with us!

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Want to Know More About Postal Service Health Benefit Plan Options?

The United States Postal Service ® (USPS ® ) is committed to providing quality healthcare options for pre-career employees. The USPS Health Benefit (HB) Plan is administered by CareFirst BlueCross BlueShield and is available to eligible pre-career employees (see poster below ).

When you enroll in the USPS HB Plan, the Postal Service™ provides a contribution each pay period towards your premium to help reduce the cost of your health coverage.

How do you know if you are eligible for the plan? You are eligible if you are a pre-career employee or a casual employee averaging 30 paid hours per week. However, if you are an assistant rural carrier or a holiday-term employee, you are not eligible for the plan.

Eligible employees can enroll in the USPS HB Plan during the annual open season, within 60 days of hire, or if a qualifying life event (QLE) occurs. QLEs include:

n Change in marital status, such as marriage or divorce.

n Birth, adoption, or fostering of a child.

n Death of a spouse or dependent.

To enroll, use PostalEASE ® at ewss.usps.gov or call the HR Shared Service Center (HRSSC) at 877-477-3273, option 1. You can also contact HRSSC to check your eligibility and ask other benefits-related questions.

Employees are encouraged to visit CHECKBOOK’s Guide to Health Plans for Federal Employees through LiteBlue ® to explore other health insurance options. You can compare plans, costs, coverage, and even member ratings side-by-side to ensure you choose the right plan for your needs.

For more information about enrollment, visit liteblue.usps.gov/uspshbp .

— Compensation and Benefits, Human Resources, 9-21-23

Benefits Poster

USPS Health Benefits Plan for Pre-Career EmployeesThe United States Postal Service is committed to providing quality healthcare options for pre-career employees. CareFirst BlueCross BlueShield is the administrator for the USPS Health Benefits Plan. The USPS Health Benefits Plan is available to eligible pre-career employees. If you are an assistant rural or a holiday-term employee, you are not eligible for the plan. Employees receive a Postal Service contribution each pay period towards their premiums. This helps reduce the cost that employees pay for their health coverage. During Open SeasonWhen Can you Enroll: Within 60 days of hire. When you have a qualifying life event, such as marriage, divorce, death of a spouse or dependent, adoption, or fostering a child, etc.You can enroll in the USPS Health Benefits plan by: PostalEASE (ewss.usps.gov). Calling HRSSC at 1-877-477-3273, choosing option 1.For more information: Visit Carefirst.com/usps. Email healthandwellness@usps.gov

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How to Find the Best Travel Insurance

Elina Geller

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What travel insurance covers

How much does travel insurance cost, types of travel insurance, how to get travel insurance, what to look for in travel insurance, best travel insurance comparison sites, which insurance company is best for travel insurance, when to skip travel insurance, travel insurance, recapped.

Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more.

Cost is affected by trip length, pre-existing medical conditions, depth of coverage, your age and add-ons.

You can get it through credit cards or third-party companies, & can shop on travel insurance comparison sites.

Before buying, evaluate risks, know existing coverage, obtain quotes online and review policy details warily.

Skip it if you buy flexible airfare and hotels, already have coverage or only book refundable activities.

Booking travel always carries some degree of uncertainty. Travel insurance provides a safety net so you can step out with confidence. You may not need travel insurance for inexpensive trips, but it can provide a sense of security when you prepay for pricey reservations, a big international trip or travel during cold and flu season, which can be unpredictable.

According to insurance comparison site Squaremouth, travelers in 2023 spent an average of $403 for comprehensive coverage, compared to $96 for medical-only policies. Comprehensive plans typically cost between 5% and 10% of the insured trip cost.

Since that price tag is no small amount, it helps to know how to shop smart for travel insurance. Here's how to find the right travel insurance plan for you and your next adventure.

Depending on the type of coverage you’re looking for, the chart below will help you determine what to look for when selecting a policy:

Depending on the policy, travel insurance reimburses you or offers services when something goes awry. There’s even coverage for the worst-case scenario: if you die in an accident while traveling. Accidental death coverage pays your beneficiary a lump sum in that case.

Before you buy, take a little time to get familiar with different types of travel insurance products, how it’s priced, and what it covers and excludes. If you’re traveling during these uncertain times, you’ll want to make sure that the policy you select covers coronavirus-related emergencies. Usually, the more thorough the coverage, the more it will cost.

Travel insurance costs vary depending on:

Length and cost of the trip: The longer and more expensive the trip, the higher the policy cost.

Cost of local health care: High health-care costs in your destination can drive up the price of trip insurance.

Medical conditions you want covered: Conditions you already have will increase the cost of travel insurance coverage.

Amount and breadth of coverage: The more risks a policy covers, the more it will cost.

Your age: Generally the older you are, the higher the price.

Any optional supplement you add to your policy : Cancel For Any Reason , Interrupt For Any Reason and more.

Keep these factors in mind when considering different travel insurance options.

You’ll find a wide selection of travel protection plans when you shop for a policy.

Typically, travel insurance is sold as a package, known as a comprehensive plan, which includes a variety of coverage.

Here are seven of the most common types of travel insurance:

Travel medical insurance

These plans provide health insurance while you’re away from home. Although in some ways these policies work like traditional health plans, generally you cannot use travel health insurance for routine medical events. For example, a routine medical checkup is usually not covered. In addition, these policies often include limitations on coverage and exclusions for pre-existing conditions.

Although most travel insurance plans cover many recreational activities, such as skiing and horseback riding, they often exclude adventure sports, such as skydiving or parasailing, or competition in organized sporting events. You may need to buy a special travel policy designed for adventure or competitive sports.

International travel insurance

Most likely, your U.S.-based medical insurance will not work while you’re traveling internationally, and Medicare does not provide any coverage once you leave the United States outside of a few very specific exemptions. If you plan on traveling abroad, purchasing travel medical insurance could make a lot of sense.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Trip cancellation, interruption and delay

Trip cancellation coverage reimburses you for prepaid, nonrefundable expenses if the tour operator goes out of business or you have to cancel the trip for one of the covered reasons outlined in the policy, such as:

Your own illness.

The illness or death of a family member who’s not traveling with you.

Natural disasters.

Trip interruption insurance covers the nonrefundable cost of the unused portion of the trip if it is interrupted due to a reason outlined in the policy.

Trip delay coverage reimburses you for expenses such as lodging and meals if you’re delayed during a trip (e.g., your flight gets canceled due to weather ).

Many package policies cover all three. These policies are different from the cancellation waivers that cruise lines and tour operators offer, the Insurance Information Institute says. Waivers are cheap, ranging from $40 to $60, and often include restrictions. For example, according to the institute, waivers might not refund your money if you cancel immediately before departure. Waivers are technically not insurance policies.

Some companies offer additional layers of coverage at extra cost. “Cancel For Any Reason” coverage will reimburse a large part of the trip cost, no matter why you back out. And some companies let you pay extra to cover pre-existing conditions if you cancel for medical reasons.

Some insurers and comparison sites let you customize a policy by choosing types of coverage a la carte. For example, TravelInsurance.com is a comparison site that provides quotes from different providers.

Baggage and personal belongings

How does lost luggage insurance work? This coverage reimburses you for baggage and personal belongings that are lost, stolen or damaged during the trip. Some plans also reimburse you for extra expenses if you experience a baggage delay for more than a certain period, such as 12 hours.

Your renters or homeowners insurance may cover personal belongings while you are traveling. It’s best to review your homeowners insurance policy to determine the level of coverage it provides so you do not end up paying for a benefit you already have.

» Learn more: Baggage insurance explained

Emergency medical assistance, evacuation and repatriation

This coverage pays medical expenses if you get sick or injured on a trip . Medical evacuation coverage pays for transporting you to the nearest hospital, and medical repatriation pays for flying you to your home country.

» Learn more: Can I get travel insurance for pre-existing medical conditions?

24-hour assistance

This service is included with many package plans. The insurer provides a 24-hour hotline that you can call when you need help, such as booking a flight after a missed connection, finding lost luggage, or locating a doctor or lawyer.

Generally, travel insurance companies do not cover sports or any activity that can be deemed risky. If you’re thinking of incorporating adventurous activities into your vacation, choose a plan that includes adventure sports coverage.

Most travel insurers cover a wide array of services, but the specific options vary. Some plans include concierge services, providing help with restaurant referrals, tee time reservations and more. Many services also offer information before the trip, such as required vaccinations. The only way to know what’s included is to read the policy.

» Learn more: Should you insure your cruise?

Accidental death and dismemberment insurance

This coverage pays a lump sum to your beneficiary, such as a family member, if you die in an accident while on the trip. Accidental death and dismemberment insurance policies also pay a portion of the sum to you if you lose a hand, foot, limb, eyesight, speech or hearing. Some plans apply only to accidental death in a plane.

This coverage may be duplicative if you already have sufficient life insurance, which pays out whether you die in an accident or from an illness. You may also already have accidental death and dismemberment insurance through work, so it's best to check your policies to ensure you’re not overpaying.

» Learn more: NerdWallet's guide to life insurance

Rental car coverage

Rental car insurance pays for repairing your rental car if it’s damaged in a wreck, by vandals or in a natural disaster. The coverage doesn't include liability insurance, which pays for damage to other vehicles or for the medical treatment of others if you cause an accident and are held responsible.

Ask your car insurance company whether your policy will cover you when renting cars on the trip. U.S. car insurance policies generally don’t cover you when driving in other countries, except Canada.

Car insurance requirements are complex because they vary among countries. You can usually purchase liability insurance from the rental car company. Learn about car insurance requirements by searching for auto insurance by country on the U.S. Embassy website .

» Learn more: Best credit cards for rental car coverage

A note about single vs. long-term policies

Single trip insurance plans are a great option for those going on a single trip for a specific length of time (e.g., a two-week vacation) and then returning home. The price of the policy is usually determined by the cost of the trip.

Long-term travel policies cover you for multiple trips, but there are limitations to how long you can be away from home, if you can return home during your travels and how many trips you can take. In addition, trip cancellation and interruption coverage is either not offered or capped at a dollar amount that can be significantly below the total cost of all the trips taken during the covered period.

Long-term travel insurance plans — often called 'multi-trip' or 'annual travel insurance' — are a suitable option for those who travel often and are satisfied with the amount of trip cancellation coverage for all the trips they take over the duration of the policy.

» Learn more: How annual (multi-trip) travel insurance works

Below, we include how to obtain travel insurance, along with the pros and cons of each option.

Some credit cards offer trip cancellation and rental car insurance if you use the card to book the trip or car.

When you book a trip with your credit card, depending on the card you use, you may already receive trip cancellation and interruption coverage.

» Learn more: 10 credit cards that provide travel insurance

Here are a handful of credit cards with travel insurance benefits.

Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Reserve Credit Card

on American Express' website

Chase Ink Business Preferred Credit Card

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Travel accident: Up to $500,000.

• Rental car insurance: Up to $75,000.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Travel accident: Up to $1 million.

• Rental car insurance: Up to the actual cash value of the car.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

Pros: Coverage is free.

Cons: You can’t customize the insurance to meet your needs. Most credit cards offer secondary car rental insurance, which pays for the costs not covered by your regular car insurance plan.

Travel agents and travel reservation sites

You can buy travel insurance when you book your flight, hotel and car rental.

Pros: Buying is as quick and easy as clicking “yes” when you book reservations. Coverage is inexpensive.

Cons: You can’t customize the coverage.

» Learn more: Airline travel insurance vs. independent travel insurance

Travel insurance comparison sites

You can compare different policies and review quotes at once based on the trip search criteria you’ve input into the search form. Examples include marketplaces like Squaremouth or TravelInsurance.com.

Pros: You can choose a policy that fits your needs and compare policies and pricing in one place.

Cons: Comparing multiple policies takes time.

Travel insurance companies

You can purchase travel insurance directly from an insurance provider.

Pros: You can choose a policy that fits your needs. Many travel insurer websites also offer information to help you understand the coverage.

Cons: You’ll need to go to multiple websites to compare coverage and pricing.

» Learn more: The best travel insurance companies right now

Keep these tips in mind when you’re considering a trip insurance policy.

Evaluate the financial risks you face when traveling. Can you bear those costs yourself, or do you want insurance?

Examine what coverage you already have: Does your credit card offer travel insurance? Do you have renters or homeowners insurance to cover belongings? What is the deductible? Will your health plan cover you in all the locations where you travel?

Get quotes for trip insurance online. Choose a package of the benefits you need and compare prices for similar coverage among carriers.

Narrow your choices and then read the policy fine print to understand what’s covered, what’s excluded and the limits on coverage. You may find that the lowest-priced policy is too restrictive and that paying a little more gets you the coverage you need. Or you might find that the cheapest, most basic policy fits the bill.

If you don’t know which provider to go with, it makes sense to browse a list of plans on a travel insurance comparison site. These online marketplaces will often include plans from the best travel insurance companies along with customer reviews.

Squaremouth

post office travel and health insurance

Compare plans from more than 30 providers.

Over 86,000 customer reviews of insurers.

Under its Zero Complaint Guarantee, Squaremouth (a NerdWallet partner) will remove a provider if any customer complaint isn't resolved to its satisfaction.

Has a filter option to see policies that provide COVID-coverage.

TravelInsurance.com

post office travel and health insurance

Compare plans from 13 providers.

See good and poor customer ratings and reviews for each insurer when you receive quotes.

“Learning Center” includes travel insurance articles and travel tips, including important how-to information.

Quotes provided from each provider include a link to COVID-19 FAQs, making it easy for customers to review what’s covered or not.

InsureMyTrip

post office travel and health insurance

Compare plans from more than two dozen providers.

More than 70,000 customer reviews.

“Anytime Advocates” help customers navigate the claim process and will work on behalf of the customer to help with appealing a denied claim.

Includes a link to plans that offer COVID coverage.

post office travel and health insurance

Compare plans from 11 providers.

Search coverage by sporting activity, including ground, air and water sports.

Many types of plans available for students, visiting family members, new immigrants, those seeking COVID quarantine coverage and more.

post office travel and health insurance

Compare different insurance plans from 35 providers.

Over 5,600 customer reviews on Trustpilot, with an average 4.9 stars out of five.

Formerly known as AardvarkCompare, AARDY includes a “Travel Insurance 101” learning center to help customers understand various policies and benefits.

Quote search results page includes COVID-coverage highlighted in a different color to make it easier for customers to review related limits.

Whether you’re looking for an international travel insurance plan, emergency medical care, COVID coverage or a policy that includes extreme sports, these providers have you covered.

Our full analysis and more details about each organization can be found here: The Best Travel Insurance Companies Today .

Allianz Global Assistance .

Travel Guard by AIG .

USI Affinity Travel Insurance Services .

Travel Insured International .

World Nomads .

Berkshire Hathaway Travel Protection .

Travelex Insurance Services .

Seven Corners .

AXA Assistance USA .

There are a few scenarios when spending extra on travel insurance doesn't really make sense, like:

You booked flexible airline tickets.

Your hotel room has a good cancellation policy.

It's already included in your credit card.

You haven't booked any nonrefundable activities.

» Learn more: When you don't need travel insurance

Yes, especially for nonrefundable trips and travel during the COVID-era. Whether you purchase a comprehensive travel insurance policy or have travel insurance from your credit card, you shouldn't travel without having some sort of travel protection in place to safeguard you and your trip. Travel insurance can protect you in case of an unexpected emergency such as a canceled flight due to weather, a medical event that requires hospitalization, lost luggage and more.

There are many good travel insurance policies out there and a policy that may be great for you may not be good for someone else. Selecting the best plan depends on what coverage you would like and your trip details.

For example, World Nomads offers a comprehensive travel insurance policy that has excellent coverage for adventure sports. Allianz provides coverage for trips of varying lengths of time through its single trip plans and multi-trip plans. Some providers offer add-on options like Cancel For Any Reason travel insurance. If you’re not sure which plan to go with, consider looking at trip insurance comparison sites like Squaremouth or Insuremytrip.

Yes, you can. However, it's better to purchase it sooner rather than later, ideally right after booking your trip because the benefits begin as soon as you purchase a policy.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your trip cancellation benefits to get your nonrefundable deposit back.

Most comprehensive travel insurance plans offer trip cancellation, trip interruption, emergency medical and dental, medical evacuation, trip delay and lost luggage coverage. Many plans offer COVID coverage, but you’ll always want to check to ensure that the policy you choose provides that benefit if you’re traveling during these times. Some plans may also allow you to add features like Cancel For Any Reason travel insurance.

It depends which credit card you have. Premium travel cards like the Chase Sapphire Reserve® and The Platinum Card® from American Express offer travel insurance benefits if you book a trip using your card or points.

However, the coverage provided by the credit cards is usually lower than if you purchased a standalone policy. Review the travel insurance benefits on your credit card and check that the limits are adequate before foregoing from purchasing a separate plan.

Let’s say you’re going on a trip in a month and a week before departure, you fall and break your leg. If you’ve purchased a travel insurance policy, you can use your

trip cancellation benefits

to get your nonrefundable deposit back.

It depends which credit card you have. Premium travel cards like the

Chase Sapphire Reserve®

The Platinum Card® from American Express

offer travel insurance benefits if you book a trip using your card or points.

Unpredictability is one of the mind-opening joys of travel, but travel insurance should contain no surprises. The time you spend to understand your options will be well worth the peace of mind as you embark on your next adventure.

Whether you’re seeking a single or a long-term policy, each travel insurance option offers different strengths and weaknesses. Choosing the right policy depends on your trip needs, your budget and how important various benefits are to you.

Keep reading

If you want to dig in deeper to world of travel insurance, these resources will point you in the right direction.

What is travel insurance? How much is travel insurance? Is travel insurance worth it? What does travel insurance cover? Does travel insurance cover COVID?

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

On a similar note...

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Southwest Rapid Rewards® Plus Credit Card

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

post office travel and health insurance

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The Best Travel Medical Insurance of 2024

post office travel and health insurance

Allianz Travel Insurance »

post office travel and health insurance

Seven Corners »

post office travel and health insurance

GeoBlue »

post office travel and health insurance

WorldTrips »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Travel Medical Insurance Plans.

Table of Contents

  • Allianz Travel Insurance
  • Seven Corners

Buying travel insurance is a smart move for any type of trip, but you may not need a policy that covers everything under the sun. If you don't need coverage for trip cancellations or delays because you're relying on your travel credit card to offer these protections, for example, you may find you only need emergency medical coverage that works away from home.

Still, travel medical coverage varies widely based on included benefits, policy limits and more. If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn which policies we recommend.

Frequently Asked Questions

The term travel insurance usually describes a comprehensive travel insurance policy that includes coverage for medical expenses as well as trip cancellations and interruptions, trip delays, lost baggage, and more. Meanwhile, travel medical insurance is coverage that focuses on paying for emergency medical expenses and other related care.

Travelers need international health insurance if they're visiting a place where their own health coverage will not apply. This typically includes all international trips away from home since U.S. health plans limit coverage to care required in the United States.

Note that if you don't have travel health insurance and you become sick or injured abroad, you'll be responsible for paying back any health care costs you incur.

Many travel insurance policies cover emergency medical expenses you incur during a covered trip. However, the included benefits of each policy can vary widely, and so can the policy limits that apply.

If you're looking for a travel insurance policy that offers sufficient protection for unexpected medical expenses, you'll typically want to choose a plan with at least $100,000 in coverage for emergency medical care and at least that much in protection for emergency medical evacuation and transportation.

However, higher limits can provide even more protection from overseas medical bills, which can become pricey depending on the type of care you need. As just one example, Allianz says the average cost of emergency medical evacuation can easily reach up to $200,000 or more depending on where you’re traveling.

Your U.S. health insurance policy almost never covers medical expenses incurred abroad. The same is true for most people on Medicare and especially Medicaid. If you want to ensure you have travel medical coverage that applies overseas, you should purchase a travel insurance plan with adequate limits for every trip. Read the U.S. News article on this topic for more information.

The cost of travel medical insurance can vary depending on the age of the travelers, the type of coverage purchased, the length of the trip and other factors. You can use a comparison site like TravelInsurance.com to explore different travel medical insurance plans and their cost.

  • Allianz Travel Insurance: Best Overall
  • Seven Corners: Best for Families
  • GeoBlue: Best for Expats
  • WorldTrips: Best Cost

Coverage for preexisting conditions is available as an add-on

Easy to purchase as needed for individual trips

Relatively low limits for medical expenses

No coverage for trip cancellations or trip interruption

  • Up to $50,000 in emergency medical coverage
  • Up to $250,000 in emergency medical evacuation coverage
  • Up to $2,000 in coverage for baggage loss and damage
  • Up to $600 in baggage delay insurance
  • Up to $1,000 for travel delays
  • Up to $10,000 in travel accident insurance
  • 24-hour hotline assistance
  • Concierge services

Purchase comprehensive medical coverage worth up to $5 million

Coverage for families with up to 10 people

Low coverage amounts for trip interruption

Medical coverage options vary by age

  • Up to $5 million in comprehensive medical coverage
  • Up to $500,000 in emergency evacuation coverage
  • Up to $10,000 in coverage for incidental trips to home country
  • Up to $25,000 in coverage for terrorist activity
  • Up to $500 in accidental dental emergency coverage
  • Up to $100 per occurrence in coverage for emergency eye exams
  • $50,000 in coverage for local burial or cremation
  • 24/7 travel assistance
  • Up to $25,000 in coverage for accidental death and dismemberment per traveler
  • Up to $500 for loss of checked baggage
  • Up to $5,000 for trip interruptions
  • Up to $100 per day for trip delays
  • Up to $50,000 for personal liability

Qualify for international health insurance with no annual or lifetime caps

Use coverage within the U.S. with select providers

Deductible from $500 to $10,000 can apply

Doesn't come with any nonmedical travel insurance benefits

  • Up to $250,000 in coverage for emergency medical evacuation
  • Up to $25,000 for repatriation of mortal remains
  • $50,000 in coverage for accidental death and dismemberment

High limits for medical insurance and emergency medical evacuation

Covers multiple trips over a period of up to 364 days

Deductible of $250 required for each covered trip

Copays required for medical care received in the U.S.

  • Up to $1,000,000 of maximum coverage
  • Up to $1,000,000 for emergency medical evacuation
  • Up to $10,000 for trip interruptions
  • Up to $1,000 for lost checked luggage
  • Up to $100 per day for travel delays
  • Up to $25,000 in personal liability coverage
  • Medical coverage for eligible expenses related to COVID-19
  • Ability to add coverage for your spouse and/or child(ren)
  • Repatriation of remains coverage up to overall limit
  • Up to $5,000 for local burial or cremation 
  • $10,000 to $50,000 for common carrier accidental death

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world and has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg, who has been licensed to sell travel insurance in 50 states, in their family media business.

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Easy Trip Logo

Post Office Travel Insurance: A Getting Started Guide from the Experts!

The Post Office is regarded as the largest retail network in the UK as well as the largest financial services chain that’s been there for more than 370 years. However, apart from that, the company also offers insurance products, one of which is the post office travel insurance.

post office travel and health insurance

In this article, we’re going to talk about everything you need to know which regard to this particular travel insurance. But before that, let’s have a look at the achievements of the Post Office regarding insurances.

What is the Post Office?

Post Office has been voted the “Best Travel Insurance Provider” for 9 straight years starting from 2006 to 2015. Apart from that, it also received the Silver award from the British Travel Awards in 2016 and 2017.

As a massive network, the Post Office offers a wide range of options when it comes to their insurance policies. One of them is the rudimentary budget cover through the Super Economy Travel Insurance. There’s also the Premier Plus policy which provides complete coverage.

Primary Insurance Policies Offered

There are three main types of travel insurance policies offered by the Post Office, namely annual multi-trip, backpacker travel cover, and single trip.

Let’s have a breakdown of each of these policies:

Single Trip

The single trip insurance will provide coverage depending on your age when you obtain your insurance policy. The Post Office website states that those who are below 71 will be covered 365 days per trip. Meanwhile, those who are 71-75 will be covered 90 days and individuals 76-85 are only covered for 31 days.

post office travel and health insurance

As the name implies, a single trip policy will cover for you if you plan to take a single trip in the near future.

Annual Multi-trip

The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

This policy is perfect if you plan to travel several times a year without having to go through the hassles of obtaining concealment every single time.

For the single and multi-trip policies, there are five different levels available.

Here’s a detail detailing these levels alongside other important details:

All of the levels come with a personal liability cover ranging from £1-3 million. However, the Super Economy comes with various extras like death, personal accident, personal money, hospital benefits, and passport cover.

Backpacker Travel

The backpacker travel insurance is designed for backpackers who are price aware. As such, the Post Office provides two coverage options for them: Economy and Super Economy.

post office travel and health insurance

The two policies will provide coverage for up to 18 months. Moreover, you can come back home 3 times within a span of seven days. However, you have to keep in mind that the coverage doesn’t apply if you’re in the UK.

This is often the best option if you plan an adventure trip as it covers you from sharks to safaris and more. The policy can be availed of by anyone between 18 and 60 years old. You can also avail of additional cover for business, cruise, golf, and winter sports and add any of them in the above policies but for an extra cost.

Other Policies Offered

Apart from the major insurance policies offered by the Post Office, there are also several other policies which are as follows:

This is perfect for individuals who plan to go on a golfing holiday . Through this policy, you can enjoy the following:

  • Protection in case you can’t play due to injury or poor weather
  • Coverage against injury personal liability cover and while playing
  • Coverage for your golfing equipment against theft

Cruise Cover

If you plan to enjoy the luxury of a cruise, then this policy is for you. It protects you from any unforeseen risks that might come along with cruise holidays. It comes with the following features:

  • Coverage for a delayed transport
  • Coverage for damage or stolen evening dress
  • Replacement of any lost or misplaced damaged

Winter Sports Cover

Winter sports do come with their own risks, but this policy will ensure that you can still have fun despite that. It comes with the following inclusions:

  • 24/7 medical assistance
  • Coverage for sports like ice skating and snowboarding
  • Protection from any injuries
  • Protection for a damaged or stolen equipment

Worldwide Cover

This policy ensures that you won’t suffer from any issues with your insurance when you go traveling around the world. It comes with the following features:

  • Emergency repatriation
  • 24/7 medical emergency helpline
  • Replacement for lost or stolen documents
  • Financial coverage for medical treatment in the event of injury or illness when traveling

Pre-Existing Medical Condition

post office travel and health insurance

Post Office’s coverage for a pre-existing medical condition ensures that you can get to have fun and enjoy life despite your condition. It includes the following features:

  • Quick and easy repatriation
  • Treatment monitoring
  • Payment for any medical expenses while you’re traveling

Family Cover

This is the perfect policy if you plan to travel together with your policy. This will allow you to avoid any hassles that come with obtaining individual policies for each of your family members. It includes the following:

  • Maximum of £10 million emergency medical coverage in the event of injury or illness while traveling
  • Assistance during a vehicle breakdown missed departure or delayed public transport

Cost and Coverage

One of the main reasons why the Post Office travel insurance has managed to outdo most of its competitors in the market is its very cheap cost. In fact, it has the cheapest insurance quotes available on the market.

post office travel and health insurance

When it comes to coverage, Post Office covers all basic forms of coverage including property damage, comprehensive coverage, and bodily injury liability among others. However, you can also gain access to special kinds of coverages that are exclusive to Post Office travel insurance members.

These special coverages come in the form of emergency road service, rental reimbursement, and mechanical breakdown insurance.

Policy Exclusions

These are the general exclusions that apply to any of Post Office’s travel insurance policies:

  • Claims due to war or act of terrorism
  • Traveling for the purpose of receiving treatment overseas
  • Traveling without heeding the advice of a medical professional
  • Personal injury caused intentionally
  • Taking part in an organized sports competition

Other Important Information about the Post Office Travel Insurance

  • Apart from providing coverage for any personal injury or illness sustained while traveling abroad, the Post Office will also offer guidance, assistance, and advice regarding legal proceedings and obtaining proper compensation.
  • When applying for any of their travel insurance policy, you can also choose to add an Excess Waiver. This will allow you to reduce your excess to zero, thereby removing the need to contribute to the cost of your claims. However, be prepared to spend an additional cost for this.
  • Even though there are only a few travel insurance providers that cover business travel, the Post Office’s policy will provide coverage for business travel that can greatly help professionals abroad. This policy will provide coverage for emergency couriers, employee replacement, equipment hire, computer equipment, and business money. This is only optional.
  • Not all optional cover types can be added to every policy type. Only the Cruise cover is applicable for the Premier and Premier Plus policies. Meanwhile, the Golf and Business cover is only applicable to Standard, Premier, and Premier Plus.
  • Various holiday activities and sports will be covered by the Post Office under the Standard policy. However, riskier activities like sailing and jet skiing won’t be covered for any personal accident claims.

Are there any special policy rules for pregnant women who travel?

There are certain limitations for pregnant women who want to travel.

post office travel and health insurance

In line with the Complications of Pregnancy and Childbirth policy, coverage for pregnant women will only include the following:

  • Ectopic pregnancy
  • Emergency Caesarean sections and medically necessary termination
  • Gestational hypertension
  • Hydatidiform mole
  • Hyperemesis gravidarum
  • Placental abruption
  • Placenta praevia
  • Pre-eclampsia
  • Postpartum hemorrhage
  • Retained placenta membrane
  • Stillbirths and miscarriage
  • Premature births more than 8 weeks before the expected delivery date

Will the policy provide cover during a war or terrorist act?

Unfortunately, you won’t be covered for any terrorist act that doesn’t involve the use of chemical agents and nuclear weapons.

How many people are included in a family?

A family can either consist of a couple or a group consisting of up to 8 travelers.

post office travel and health insurance

It can also include a person with his/her partner, dependent children, and dependent grandchildren below 18 years of age. Keep in mind that you will have to pay the appropriate premium for this.

Wrapping Things Up

Post Office is one of the leading health insurance companies in the UK. With their wide range of travel insurance policies, you will be able to enjoy peace of mind as you go traveling into other countries.

post office travel and health insurance

The best part is, the policies offered by the Post Office are one of the most affordable options currently on the market.

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Travel Insurance

HTH Worldwide travel insurance review 2024

Jennifer Simonson

Mandy Sleight

Mandy Sleight

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

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Published 5:00 a.m. UTC Jan. 22, 2024

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HTH Worldwide

HTH Worldwide

Top-scoring plan

Covers covid, medical & evacuation limits per person, what you should know.

Along with a couple of other policies, HTH’s TripProtector Classic offers generous layoff coverage. You’re eligible if you’ve been continuously employed for at least a year, with no waiting period.

  • Preexisting conditions can be covered if you buy a TripProtector Classic plan within 14 days of your first trip deposit.
  • Best-in-class financial default coverage after only a 10-day wait.
  • Top-notch $1 million per person in medical evacuation coverage.
  • TripProtector Classic doesn’t offer a “cancel for any reason” upgrade, but the pricier Preferred plan does.
  • No “interruption for any reason” upgrade available.
  • No non-medical evacuation coverage.

HTH Worldwide overview

Created under the Worldwide Insurance Services umbrella, HTH Worldwide provides travel insurance for both business and leisure travel. Nationwide Mutual Insurance Company underwrites HTH Worldwide’s single-trip insurance plans. 

HTH Worldwide travel insurance plans

HTH Worldwide offers TripProtector plans that cover single domestic or international trips. In addition to travel protection and medical benefits, each plan includes non-insurance travel assistance such as a 24-hour emergency hotline service, destination health and security information and an online doctor search. 

HTH provides a 10-day “free look” period to give you the chance to look over your policy and cancel for a full refund if it doesn’t suit your needs. If you are not satisfied, return your policy within 10 days of receipt along with a letter indicating your reason for cancellation for a full refund (not available in NY or WA).

Economy 

HTH’s starter travel insurance plan offers basic coverages, including: 

  • Emergency medical evacuation: $500,000.
  • Emergency medical: $75,000.
  • Trip cancellation: 100% reimbursement of eligible trip costs up to $5,000.
  • Trip delay: $500 maximum (after an eight-hour delay and with a $100 per day limit).
  • Trip interruption: 125% reimbursement of eligible trip costs.

While the Economy plan also covers baggage loss, baggage delay and missed connections, it does not include rental car damage coverage or a preexisting conditions waiver. It includes accidental death and dismemberment coverage for air only. 

TripProtector Classic 

The TripProtecor Classic plan includes everything in the Economy plan and increases the travel protection and travel medical benefits. This plan gets 3 stars in our rating of the best travel insurance companies .

  • Emergency evacuation: $1 million.
  • Emergency medical: $250,000.
  • Trip cancellation: 100% reimbursement for eligible trip costs up to $25,000.
  • Trip delay: $1,000 ($200 per day after a six-hour delay).
  • Trip interruption: 150% reimbursement of eligible trip costs. 

The plan also includes a preexisting condition waiver if the insurance is purchased within 14 days of your first trip deposit, as well as accidental death and dismemberment coverage of up to $25,000 per person. Like the Economy plan, lost and delayed baggage and missed connections coverage is also included. 

TripProtector Preferred 

The TripProtector Preferred plan offers enhanced coverage but is more expensive than the Classic and Economy plans. 

  • Emergency medical: $500,000.
  • Trip cancellation: 100% reimbursement of eligible trip costs up to $50,000.
  • Trip delay: $2,000 ($200 per day after a six-hour delay).
  • Trip interruption: 200% reimbursement of eligible trip costs.
  • Optional “cancel for any reason” (CFAR): 75% reimbursement for eligible trip costs.
  • Pet medical expense: $250. 
  • Rental car damage: $35,000.
  • Accidental death and dismemberment: $50,000. 

Unlike the other two plans, the Preferred Benefits plan offers pet medical expense coverage, rental car damage coverage and optional “cancel for any reason” (CFAR) coverage . You can get a preexisting conditions waiver if the travel insurance plan is purchased within 21 days of your first trip deposit. 

This plan also includes coverage for lost and delayed baggage and missed connections. 

What HTH travel insurance covers

HTH Worldwide’s three TripProtector plans include the following coverage:

  • Travel medical insurance reimburses you for medical expenses like care, hospitalization, lab work and more if you get sick while on your trip. 
  • Emergency medical evacuation covers the cost of emergency medical transportation to the nearest adequate treatment center if you become seriously injured or ill while traveling and require immediate care. 
  • Trip cancellation insurance reimburses prepaid, forfeited, nonrefundable trip costs if you need to cancel your trip for a covered reason.
  • Trip delay coverage reimburses reasonable extra expenses, such as meals, lodging and transportation, if your travels are delayed due to reasons like a flight being canceled due to severe weather.
  • Trip interruption coverage reimburses you for unused, prepaid, nonrefundable trip expenses such as hotel nights and missed excursions if you need to end your trip early because of a reason listed in your policy, such as a child back home getting sick. 
  • Baggage loss reimburses you for luggage and personal items that are lost, stolen or damaged during transit. 
  • Baggage delay reimburses for expenses paid for items like toiletries and a change of clothes needed because of delayed baggage.

Each plan has coverage limits and time frames for when coverage kicks in (like six hours for baggage delay coverage). Be sure to read your policy to understand the limits and exclusions.

What HTH travel insurance doesn’t cover

All travel insurance plans have exclusions, or things the policy does not cover. 

Some examples of the emergency medical coverage exclusions in HTH Worldwide’s TripProtector Classic plan are:

  • Accidental injury or sickness when traveling against the advice of a physician.
  • Being under the influence of drugs or intoxicants (except when prescribed by a physician). 
  • Cosmetic surgery (except as a result of an accident). 
  • Dental treatment (except as the result of injury).
  • Suicide, attempted suicide or any intentionally self-inflicted injury.
  • Participation as an athlete in professional sports.
  • Participation in adventure sports such as canoeing, kayaking, zip-lining, water skiing, camping, hiking, backpacking and sailing. 
  • Pregnancy and childbirth (except for complications of pregnancy).

Additional policy add-ons

HTH Worldwide’s TripProtector Preferred plan offers optional upgrades including “cancel for any reason” (CFAR) coverage , pet medical coverage and rental car damage coverage (not available in every state).

“Cancel for any reason” (CFAR) coverage

TripProtector Preferred policyholders have the option to purchase “cancel for any reason” (CFAR) coverage. This coverage reimburses up to 75% of your prepaid, nonrefundable trip payments or deposits if you cancel your trip for any reason at least 48 hours before your scheduled departure.

To get CFAR coverage, you need to buy it within 21 days of your first trip deposit. This benefit is not available in New York or Washington. 

HTH Worldwide travel medical insurance 

HTH Worldwide offers two plans for travelers who want travel medical insurance for international trips. Both plans are available to United States residents who are 95 years old or younger. 

Single-trip option for travelers with primary health insurance

This short-term international medical plan was created for travelers who have primary health insurance but want extra coverage for traveling abroad. The maximum benefit amounts range from $50,000 to $1 million, and deductibles range from $0 to $500. There is no preexisting condition exclusion.

The plan covers 100% of the following:  

  • Ambulatory surgical center.
  • Anesthesia.
  • Dental injury expenses ($500 maximum).
  • Diagnostic X-rays and lab work.
  • In-hospital doctor visits.
  • In-patient medical emergency. 
  • Office doctor visits.
  • Outpatient prescription drugs.

The plan covers mental health emergencies as it would any other condition. The single-trip plan also includes common travel insurance coverages like medical evacuation, accidental death and dismemberment, trip interruption, trip delay and lost and delayed baggage.

Single-trip option for travelers without primary health insurance

This plan is for those traveling abroad who do not have primary health insurance. Like the plan for travelers with primary health insurance, the benefits range from $50,000 to $1 million and deductibles range from $0 to $500. 

This plan covers 100% of the following:

  • Dental injury expenses ($300 maximum).
  • Diagnostic X-rays and lab work. 
  • In-patient medical emergency.

Like the other, this plan also covers mental health emergencies as it would any other condition. However, this plan has a 180-day preexisting condition exclusion and only covers 50% of prescription drugs. 

Expat health insurance plans

HTH Worldwide also offers two international expatriate health insurance plans for people who live or work outside their home country: 

  • Xplorer Premier: Administered through GeoBlue Insurance, this plan provides complete health insurance coverage that can be used anywhere in the world by individuals or families who intend to be outside their home country for at least three months a year. 
  • Navigator: Also through GeoBlue, this is a health insurance plan specifically designed for crew, missionary or student travelers who plan to be outside their home country at least three months a year.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Preexisting medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover preexisting medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Yes, HTH Worldwide’s three TripProtector plans cover both domestic and international travel. 

The cost of a HTH Worldwide travel insurance plan varies depending on several factors such as the traveler’s age, trip cost, trip destination and type of coverage. For example, the cost of HTH Worldwide TripProtector Classic plan for a $3,000 trip for two 30-year-old travelers heading to Mexico for eight days would be about $116.

Yes, HTH Worldwide travel insurance plans include coverage for COVID-19 in its emergency medical coverage.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Jennifer Simonson

Jennifer Simonson covers everything from business to the wine industry to international travel. Outdoor adventure, water parks and all things Texas are by far her favorite beats. Her work has appeared in Forbes, Travel + Leisure, Texas Monthly, Smithsonian Magazine, Fodor's, Lonely Planet, Slate and more. You can follow her on Instagram at @storiestoldwell.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Kara McGinley is deputy editor of insurance at USA TODAY Blueprint and a licensed home insurance expert. Previously, she was a senior editor at Policygenius, where she specialized in homeowners and renters insurance. Her work and insights have been featured in MSN, Lifehacker, Kiplinger, PropertyCasualty360 and more.

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CBS News

Why you need to get medical insurance when traveling abroad

Posted: February 20, 2023 | Last updated: July 21, 2023

When you're planning a trip, especially an international one , you may only want to worry about packing your passport, sunblock and other essentials – but you may be missing something vital: travel insurance. 

While trip cancellation coverage may be the main reason many travelers get insurance, there are other perks, like travel medical benefits, that can come with a comprehensive plan. Emergency medical and medical evacuation coverage, in particular, can potentially save you thousands.

To learn more about affordable travel insurance options, head to a marketplace like SquareMouth. Just fill out your trip and traveler information to view dozens of options now.

Why you need travel medical insurance

Travel medical insurance can help cover the cost of an unforeseen event or emergency that results in an injury or illness during a trip. It covers things like an ambulance, X-rays and tests, doctor bills and more.

Squaremouth suggests getting a policy with $50,000 in emergency medical coverage and $100,000 in medical evacuation coverage for international trips. 

There are a lot of factors to consider when determining if you need travel insurance . But here are some of the primary reasons.

1. Your current health insurance may not cover you 

Americans traveling overseas are often urged to buy travel insurance because Medicare and Medicaid generally don't cover medical costs outside of the country, the U.S. State Department says . The Centers for Disease Control and Prevention echoes this on its website, warning Americans could be forced to pay out-of-pocket for medical costs incurred overseas.

"Even if a country has nationalized health care, it may not cover people who are not citizens. Before you go, consider your insurance options in case you need care while traveling. Travel health insurance is especially important if you have an existing health condition, are traveling for more than 6 months, or doing adventure activities such as scuba diving or hang gliding," the agency writes .

If you have private health care, you should also double-check to see if that continues to cover you in different countries. Some areas may even require it or at least want proof of health insurance.

You should take this into account if you depend on these types of medical coverage. If you have any concerns about health care coverage, consider getting a comprehensive travel insurance plan to cover all of your bases. It's an added way to protect yourself and your wallet.

2. You want to protect your health and finances

Your health comes first. So, if an emergency occurs and you need to visit a physician or hospital abroad then you should do so. The concern of potential medical costs should not prevent a necessary medical visit – and that's why travel insurance that includes medical benefits is vital.

"The medical benefits of travel insurance are perhaps the most worth it due to the high financial ramifications that can come with a medical claim while traveling," SquareMouth highlights.

CBS News senior travel adviser Peter Greenberg previously explained on "CBS Mornings"  that travel insurance is "worth it" as long as you have a full understanding of what you're covered for and what you're not covered for. He recommends speaking with a travel adviser to ensure you know the details of your coverage plan, which, he says, should include medical evacuation and repatriation insurance.

"If you get sick or injured overseas, in the best policies they'll pay to get you stabilized over there," Greenberg explained. "They will consult with your own doctor who knows your medical history, and then, if needed, they will fly you back on a medically equipped jet to the doctor and medical facility of your choice."

Find a travel insurance plan with these benefits included now!

3. You're planning to travel for an extended period of time

Finally, the length of your stay abroad should sway your decision. The longer you're there, the higher the risk that you'll require medical care of some sort. 

The CDC recommends adding travel insurance with medical benefits if you're traveling for more than six months or participating in extreme sports or activities.

If you're planning for long-term travel or typically take multiple trips over the course of a year, then you should consider getting annual travel insurance policies , which may be more cost-effective than buying separate plans for every vacation.

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Politics latest: Tory infighting breaks out after Rishi Sunak faces call to quit

Prime Minister Rishi Sunak has been told to stand down by former cabinet minister Sir Simon Clarke, saying the Conservatives face "clear electoral consequences" if he stays for the general election expected later this year.

Wednesday 24 January 2024 10:20, UK

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  • Tory MP calls for Sunak to quit and warns of electoral 'massacre' if he stays
  • 'What everyone knows but won't say out loud' - Tory source tells Beth Rigby
  • By-elections next month could be 'watershed moment' for PM
  • Clarke told to 'keep quiet' after newspaper article
  • Jon Craig: Attack on Sunak more kamikaze than mutiny... for now
  • 'Like an episode of The Traitors': Labour says Tory infighting 'not that interesting'
  • Prime Minister's Questions kicks off at noon
  • Sky News Daily:  Houthi strikes - does Britain have an endgame?
  • Pledge tracker: Is Sunak keeping his promises?
  • Live reporting by  Faith Ridler

We've just been hearing from Home Secretary James Cleverly, who has responded to ex-minister Sir Simon Clarke's call for Rishi Sunak to resign.

Mr Cleverly said it would be "foolish" for the Tory party to indulge in infighting as a result of this.

He added: "I know Simon very well, I like him and respect him. I could not disagree with him more on this particular issue."

The minister said Mr Sunak was succeeding in his efforts to reduce inflation and cut the number of people arriving on small boats.

"He is absolutely determined to drive this government further in the delivery of the plan," the home secretary said.

"And if we were to do something as foolish as have an internal argument at this stage, all it would do is open the door for Keir Starmer and Keir Starmer has no plan, would undo all the good work, take us right back to square one.

"So I'm going to stick with the plan. I'm going to stick with the prime minister and I'm going to keep working on behalf of the British people."

A second major wave of airstrikes has been carried out by American and British forces on Houthi targets in Yemen in response to the group's attacks on merchant ships in the Red Sea.

The first round of strikes did not deter the Houthis from continuing to attack shipping and the prime minister was pushed in the House of Commons today on what Britain's long-term strategy would be if the Houthis keep up their attacks.

On this episode of the Sky News Daily , Niall Paterson is joined by military analyst Michael Clarke and Sky's international affairs editor Dominic Waghorn to analyse the latest decisions made in the conflict.

Plus, Sky's deputy political editor Sam Coates discusses the politics behind the strikes and what the endgame looks like on home soil.

Click to subscribe to the Sky News Daily wherever you get your podcasts

Unavoidable hidden charges for online consumers, a practice known as drip pricing, is to be banned under a wider transparency drive.

The Department for Business and Trade (DBT) said additional fees, which are only revealed late in the checkout process and cost customers £2.2bn a year, must be included in the headline price under the planned Digital Markets, Competition and Consumers Bill.

The measure will affect things like tickets for trains and the cinema but not optional fees, such as airline seat and luggage upgrades.

The crackdown will also see fake reviews added to a list of banned business practices, with website hosts to be accountable for information on their pages.

New rules on grocery pricing also aim to make costs clearer for shoppers.

You can read more from Sky News in the link below:

Two by-elections being held in the middle of February could be a "watershed moment" for Rishi Sunak, our political editor Beth Rigby has heard.

The by-elections in Kingswood and Wellingborough could cause yet another headache for the prime minister, who has lost a number of seats this way since taking on the top job.

However, a senior MP on the right of the party has told Beth it could be more significant this time around.

"If we get slaughtered, the herd might well panic," they said.

It comes as Sky News is hearing that Sir Simon Clarke was saying "what everyone knows but won't say out loud" in calling for Mr Sunak to quit.

Beth says Sir Simon has voiced "a lot of disquiet going on among MPs, but I'm not getting any sense that this is a wider coordination of public calls for PM to go".

He said Mr Sunak has gone "from asset to anchor" and the party faces an electoral "massacre" under his leadership.

At noon, Prime Minister Rishi Sunak will face off with Labour leader Sir Keir Starmer in the Commons, for the first Prime Minister's Questions since the second round of Houthi strikes.

Sir Keir will ask his usual six questions, and Stephen Flynn his two for the SNP, before the floor opens to backbench MPs.

Here's who we expect to hear from...

There's been a great deal of dismissal of Sir Simon Clarke's call for Rishi Sunak to quit today, but our political editor Beth Rigby is hearing this might not be the whole picture.

A Tory source told her this is "what everyone knows but won't say out loud".

They added that scores of MPs privately agree with Sir Simon.

But Beth says she isn't picking up "any sense this morning that this has any momentum".

MPs including Dame Priti Patel, Tobias Ellwood, Sir David Davis and Sir Liam Fox have all publicly rebutted the call for Mr Sunak to stand aside.

Sources said Sir Simon took the decision to call for the prime minister to quit alone because he "wants to be honest and open about talks which have been held in private for months".

Another MP has told Beth that this is being driven by a handful of MPs in the "five families grouping", and it's an "operation like one of those farmyard vehicles, which just spends time spreading muck everywhere".

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It separately announced that the cost of a Second Class stamp would be capped until March 2027 to ensure an affordable option for consumers and businesses.

The possible relaxation of loss-making Royal Mail's Universal Service Obligation (USO), which currently demands deliveries six days per week, met furious union opposition earlier this week after Sky News revealed at the weekend that the discussion paper was to be published on Wednesday.

You can read more from Sky News below:

Kevin Hollinrake, the postal affairs minister, has insisted he does not think a "plot" against Rishi Sunak is brewing after a senior Tory MP called on him to quit.

Ex-minister Sir Simon Clarke said Mr Sunak has gone "from asset to anchor" and the party faces an electoral "massacre" under his leadership.

Mr Hollinrake told the BBC: "You're talking about an isolated position taken by one member of parliament. 

"We're not talking about the overwhelming view of the parliamentary party or the political party."

In a message to Sir Simon and "anyone else who shares his views", Mr Hollinrake said: "Get your head down and get some work done, let's turn this country around - which is what we're doing.

"Of course, we've been through a difficult time, we've been through COVID, the cost of living crisis, the troubles in the Red Sea. And what we see is a prime minister is taking action on all those fronts and delivering a plan that's working."

The Tory MP said: "We've always been a broad church, a coalition of different people with different interests and debate is very healthy in a parliamentary democracy, but we are united in many aspects, all significant aspects, which is tackle these systemic issues."

Lucy Powell, the shadow leader of the House, has said Tory infighting is "not that interesting anymore" as a senior MP calls for Rishi Sunak to quit.

Sir Simon Clarke yesterday warned that the Conservative Party faces an electoral "massacre" under Mr Sunak's leadership (see 06.35 post).

In response, Ms Powell said: "This is just another day of the soap opera that is the Conservative Party in Westminster.

"It's really not funny anymore, this is not something that I think most of my constituents... really care about.

"What they want is a government and a political system that is there to address the needs that they are facing, and the issues they are facing."

She went on to compare the infighting to BBC reality show The Traitors.

"It's like an episode of the Traitors - and I can't keep up with who's a Traitor and who's a Faithful and who is going to be banished and who isn't," Ms Powell said.

"It's just actually not that interesting anymore. We want to see a change of government, but we want to see it through a general election."

Wales's first minister Mark Drakeford has said he was "genuinely baffled" Rishi Sunak did not call him to discuss plans to support people affected by job losses in Port Talbot.

Last week, Tata Steel said it would cut up to 2,800 jobs in the UK.

The majority of those will be in the UK's largest steelworks in the South Wales town as the company replaces its blast furnaces with electric arc furnaces.

During first minister's questions on Tuesday, Mr Drakeford told the Senedd he contacted the prime minister's office last Thursday, when it became clear Tata would announce the closure of both blast furnaces in the town.

The first is expected to shut sometime in the middle of 2024 and the other during the second half of the year.

Tata said the move will cut carbon emissions by about 85% and the UK's overall CO2 output by about 1.5%.

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Medical Assistance Plus*

Enjoy your holiday safe in the knowledge that health professionals are just one click away. Included with all Post Office Travel Insurance policies.

*This service is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per policy and for each medical event up to 3 appointments per person listed on the policy.

Female wearing glasses looking at her phone on a video call with a doctor

What is Medical Assistance Plus?

Medical Assistance Plus, powered by Air Doctor is included when you take out any Post Office Travel Insurance policy.

We’ll even send you a reminder SMS message the day you travel^ or the day your policy begins^^ with links to launch the service.

^For Single-trip and Backpacker Travel Insurance policies ^^For Annual Multi-trip Travel Insurance policies

Holiday medical support 24/7 – all just a click away 

There's no worse feeling than falling ill on holiday. Getting help when you do can be stressful too. Our free outpatient service can help ease the burden.

Get help 24/7 

Access the medical support you need through one easy-to-use digital platform

Worldwide support

Get expert help from carefully vetted medical professionals in locations around the world

Choose your time and place

Choice of appointments at a clinic, your hotel or via an online video consultation 

No language barriers 

All medical support is given in your native language for ease of communication

Pick up medication nearby

Collect prescriptions from a chemist close to your location that has what you need in stock**

Cashless and claimless

No claims forms to complete on your return and no excess to pay**

How Medical Assistance Plus works

The service is quick to access and easy to use

One click to launch the service

Simply click on the link to access the Medical Assistance Plus facility  

Find a practitioner

The service geolocates your position and offers a list of specialists available nearby 

Book your consultation

Choose from in-clinic, at your hotel or via videocall, and get your prescription sent to a local pharmacy**

Triage for inpatient cases

If you a need to go to hospital, we’ll transfer your case to our emergency medical team in the UK

**All appointment charges are covered by your travel insurance policy You will not need to pay any excess fees for this service. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating Doctor and you will need to pay for any medication and claim upon your return home. If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

What do I need to be able to use Medical Assistance Plus? 

If you bought Post Office Travel Insurance on or after 3 July 2023, Medical Assistance Plus is automatically part of your policy. You’ll just need a few things to start using the service:

Wi-Fi or data enabled on your device to reach the website or optional app 

Travel insurance policy number

Email address

Your date of birth

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance  

Common questions

I’m on my trip and need emergency medical assistance. what should i do.

The fastest way to get help is to call our emergency medical assistance line any time, 24/7.

If your policy number starts with TA or TC call 0208 865 3074.

If you use Medical Assistance Plus to access medical help in an emergency, the team will connect you with the emergency medical assistance team. So it’s quickest to call direct.

How much does Medical Assistance Plus cost? 

Nothing. Medical Assistance Plus is included in all policies sold from the 3 July 2023, no matter the type or level of Post Office Travel Insurance you’ve purchased. It applies whether you bought your insurance on the Post Office website, in branch, via our contact centre, on the app, or even through a comparison website.

How do I add Medical Assistance Plus to my policy? 

There's no need. Medical Assistance Plus is automatically included with every new Post Office Travel Insurance policy sold from the 3 July 2023.

What should I do if I’m having an issue with my policy registration?

Firstly, verify that the policy number is correctly registered and that all your verification information is entered in the Medical Assistance Plus app.  You just need to enter in the 8 digits after the ‘TC’ or ‘TA’ in your policy number – not the / or anything after it. 

If you’re still experiencing issues with policy registration and profile validation, please head to the “Contact us” section in the app to get assistance from our Customer Care team.     

What illnesses and situations can I use Medical Assistance Plus for?

Medical Assistance Plus is for outpatient medical care only. This includes any non-emergency medical services, including:

  • GP (General Practitioner)
  • orthopaedist
  • paediatrician
  • gynaecologist

If an online or in-person consultation concludes that in-patient care is required, your medical case will then be handed over to the emergency medical team in the UK to be managed for wherever you are.

  • Read all Medical Assistance Plus FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Travel insurance policy types

Single-trip travel insurance.

  • Cover for a one-off trip in the UK or abroad
  • Perfect for one-off trips or longer holidays of up to 365 days>
  • No age limit

Annual Multi-trip Travel Insurance

  • Cover for multiple-trips for a 12-month period
  • You can go away multiple times in the policy year with various trip durations available>>
  • Available for everyone aged up to 75 years 

Backpacker Insurance

  • Cover for a one-off trip up to 18 months
  • Option to return home for up to 7 days on 3 occasions
  • For people aged 18 – 60 wanting to travel the world for a gap year or career break 

> For Economy, Standard and Premier policies, the Singe trip policy will cover you for one trip up to:

365 days for persons aged up to and including age 70

90 days for persons aged between 71 and 75

31 days for persons aged between 76 and above

>> For Economy, Standard and Premier policies under Annual Multi-Trip although you can take as many trips as you want within the policy year, there is a maximum duration for each individual trip. This limit varies depending on the cover level chosen and will be 17 or 31 days. On some policies the limit can be extended to 31, 45 or 60 days for an additional premium

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

IMAGES

  1. Post Office Travel Insurance: A Getting Started Guide from the Experts!

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  3. Post Office Travel Insurance: A Getting Started Guide from the Experts!

    post office travel and health insurance

  4. Post Office Travel Insurance: A Getting Started Guide from the Experts!

    post office travel and health insurance

  5. Post Office Travel Insurance: A Getting Started Guide from the Experts!

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  6. Post Office Travel Insurance: A Getting Started Guide from the Experts!

    post office travel and health insurance

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COMMENTS

  1. Postal Service Health Benefits (PSHB) Program FAQs

    The Postal Service Health Benefits (PSHB) Program is a new, separate program within the Federal Employees Health Benefits (FEHB) Program, administered by the Office of Personnel Management (OPM) which will provide health insurance to eligible Postal Service employees, Postal Service annuitants, and their eligible family members starting in 2025.

  2. Travel Insurance Coronavirus

    Cover for a one-off trip up to 18 months Option to return home for up to 7 days on 3 occasions Available for those aged 18 - 60 Medical Assistance Plus: 24/7 holiday health support Enjoy your holiday safe in the knowledge that health professionals are just one click away.

  3. USPS fact sheets on the new Postal Service Health Benefits Program

    Since the enactment of the Postal Service Reform Act (PSRA) last year, NALC has been working with the Postal Service, the Office of Personnel Management (OPM), our sister postal unions, and other stakeholders on the implementation of the Postal Service Health Benefits (PSHB) Program, a new postal health insurance program required under the PSRA in 2025.

  4. How can I use insurance?

    How can I use insurance? - USPS

  5. USPS Health Benefits Plan

    USPS Health Benefits Plan Changes took effect Jan. 1 Jan. 13, 2022 at 9:10 a.m. EST The CareFirst BlueCross BlueShield website has information for USPS Health Benefits Plan enrollees. CareFirst BlueCross BlueShield became the new administrator of the USPS Health Benefits Plan on Jan. 1.

  6. What does insurance cost?

    What does insurance cost? USPS offers various insurance options for domestic and international mailings, depending on the service, value, and destination of your items. Learn how to calculate the insurance fees, what is covered, and how to file a claim if your mail is lost or damaged.

  7. Travel Insurance for the USA

    The Electronic System for Travel Authorisation is an automatic visa waiver programme designed for people from participating countries who are visiting the USA for leisure or business for up to 90 days.

  8. Travel Insurance

    Does Post Office Travel Insurance include cover for Covid-19? I'm on my trip and need emergency medical assistance. What should I do? How do I renew or cancel the renewal of my Travel Insurance policy? My policy includes Flight Delay Assistance. How do I register a flight? Read all travel insurance FAQs Latest travel alerts

  9. Benefits Programs and Key Dates

    During Open Season, you have the opportunity to enroll, cancel, or change your enrollment in a number of benefits pro- grams. The LiteBlue Open Season page ( liteblue.usps.gov/openseason) provides more information, resources, and tools to help you evaluate your options and select the right benefits plan.

  10. Post Office travel insurance review

    11 min Read Published: 15 Jun 2023 Travel insurance is an essential addition to your holiday as it can cover the cost of unexpected expenses that may occur whilst you are away. You may also be able to claim for lost or stolen baggage and cancellation of your trip if you are unable to travel.

  11. Post Office Travel Insurance

    Recommended Plans Atlas America Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay. Safe Travels Comprehensive

  12. Want to Know More About Postal Service Health Benefit Plan Options?

    The United States Postal Service ® (USPS ®) is committed to providing quality healthcare options for pre-career employees. The USPS Health Benefit (HB) Plan is administered by CareFirst BlueCross BlueShield and is available to eligible pre-career employees (see poster below ).

  13. Post Office travel insurance review

    The latest data from the Financial Conduct Authority show that Post Office's underwriter - Astrenska - paid out 85-90% of claims made on annual European policies between July and December 2021. This was in line with the average rate of 85.95%. It accepted 85-90% of claims made on annual worldwide policies - above the average of 83.37%.

  14. How to Find the Best Travel Insurance

    Travel insurance can cover medical expenses, emergencies, trip interruptions, baggage, rental cars and more. Cost is affected by trip length, pre-existing medical conditions, depth of coverage ...

  15. Average Cost Of Travel Insurance 2024

    For a $5,000 trip, the average travel insurance cost is $228, and the range of rates is from $154 for a basic policy up to $437 for a policy with generous coverage . The cost of your trip has a...

  16. Travel Medical Insurance: Why You Need It + 5 Best Plans

    If you're comparing travel insurance plans and hoping to find the best option for unexpected medical expenses, read on to learn more. Allianz Travel Insurance: Best Single-Trip Medical Coverage ...

  17. Best Travel Medical Insurance Of 2024

    The Best Travel Medical Insurance for Visitors to the U.S. Atlas America - Best Overall. Patriot America Lite - Best for Cost. Patriot America Plus - Great for Trip Interruption Insurance ...

  18. Post Office Travel Insurance: A Getting Started Guide from the Experts!

    Annual Multi-trip The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

  19. Compare Post Office Travel Insurance

    Post Office travel insurance offers three different levels of cover - Economy, Standard and Premier. In fact, its Premier policy has a five-star rating from Defaqto. Post Office was the winner of the Best Travel Insurance Provider at the Your Money Awards 2023. It has paid out over £177 million in claims since launching travel insurance in 2007.

  20. Travel Insurance Costs Rise: January 22, 2024

    The average trip cost for international travelers was $4,991. For domestic travelers, the average trip cost was $2,781. International travelers paid an average of $315 for their travel insurance ...

  21. Best senior travel insurance 2024

    Trawick International's Safe Travels Voyager senior travel insurance policy pays up to $250 per person, per day, for trip delays, with a maximum benefit of up to $3,000 per person. The group ...

  22. Travel Insurance with Medical Conditions

    Post Office Travel Insurance covers most pre-existing medical conditions. Get a quote today to see if we can cover you. Get a quote online or by phone When you choose Post Office to provide your medical travel insurance, all you have to do is answer a few questions. We can either take you through your medical screening online or over the phone

  23. HTH Worldwide Travel Insurance Review 2024

    This plan gets 3 stars in our rating of the best travel insurance companies. Emergency evacuation: $1 million. Emergency medical: $250,000. Trip cancellation: 100% reimbursement for eligible trip ...

  24. Why you need to get medical insurance when traveling abroad

    Travel medical insurance can help cover the cost of an unforeseen event or emergency that results in an injury or illness during a trip. It covers things like an ambulance, X-rays and tests ...

  25. Single Trip Travel Insurance

    The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

  26. Worldwide Travel And Holiday Insurance

    Post Office Travel Insurance covers most pre-existing medical conditions. Get a quote today to see if we can cover you. If you have a serious pre-existing medical condition that Post Office Travel Insurance cannot offer cover for, the Money and Pensions Scheme (MaPS) have launched a directory listing companies that may be able to help you.

  27. Politics latest: Rishi Sunak under fire after Sky News captures

    Post Office inquiry: Bugs affected Horizon system for 'nearly two decades' ... said the 2p cut to the main rate of national insurance that came into force this month had already been a "tax cut ...

  28. Medical Assistance Plus │ Post Office® Travel Insurance

    Medical Assistance Plus* Enjoy your holiday safe in the knowledge that health professionals are just one click away. Included with all Post Office Travel Insurance policies. Get a quote *This service is not available for trips taken in the UK, only for international travel.