Instant online quote

Travel well.
Come home safely.

International travel medical insurance, explained plainly. Emergency treatment, air ambulance and repatriation while you're abroad — with your own choice of doctor and hospital. Price it yourself in about a minute.

Cover to US$5,000,000 24/7 emergency assistance Pre-existing conditions considered Meets Schengen visa requirements

Cover applies while you are outside your country of residence — it does not cover you at home.

1Your trip 2Choose a plan 3Your details 4Submitted 0% complete
Step one

Tell us about the trip

Four things and you'll have a price. Nothing here commits you to anything.

Choose your departure date.
Return must be on or after departure.
Cover runs from the day you leave to the day you return.
Everyone on the policy is priced by their age at the start of travel. Cover is available up to age 79.

No card details needed for a quote.

Your premium
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Every option, priced

Same medical cover on all of them. The only difference is how long you're covered for.

Optional

Add the non-medical cover

The core plan covers your health. These two cover the rest of what can go wrong.

Non-medical benefits +US$0 Delayed or lost baggage · travel delay beyond 5 hours, including overnight accommodation and meals · personal liability for injury or property damage · accidental death and dismemberment.
Trip cancellation +US$0 Refunds prepaid, non-refundable trip costs if you have to cancel because of acute illness, injury or death.
Breakdown

What makes up the price

Step three

Your details

Everything the insurer needs to issue the policy. Takes about two minutes.

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Main traveller

Required.
Required.
Required — the policy is issued against this.
Enter a valid email address.
Required.
Required.
Required.
Required.

Health declaration

Please answer, even if the answer is "None".
A pre-existing condition that has been stable for six months — no symptoms, no new treatment, no change of medication — can be covered. Declaring honestly is what protects your claim; leaving something out is what gets claims declined.

Payment

🔒 We never take card numbers on this page. Card details are never sent by email or stored on this website. Tell us how you'd like to pay and we'll take it through a secure channel.

Five things to understand before you apply

These are the conditions people most often get caught out by. Please read them — they decide whether a claim gets paid.

  1. You are not covered in your own country. Cover is worldwide but excludes your country of residence. This is travel insurance for while you are abroad — it is not a local health plan and it does nothing for you at home.
  2. Call the insurer before you are treated, not after. Hospital admission — notify immediately. Anything else needing a doctor — notify within 72 hours. Hospital admissions, evacuations, repatriation and major scans (MRI, CT, PET, endoscopy, biopsy) need pre-authorisation at least 72 hours ahead wherever the situation allows. Calling first is what gets the hospital billed directly instead of you.
  3. A pre-existing condition must have been stable for six months. No symptoms, no new treatment, no change of medication or dosage in the six months before you travel. If it was diagnosed, treated or re-medicated inside that window it will not be covered — so declare it above and let us check it before you pay anything.
  4. Cover does not start when you submit this form. It starts when the premium is received and the insurer issues your certificate. If you are flying soon, say so above and call us.
  5. Keep every piece of paper. Claims need itemised bills with proof of payment, boarding passes and travel documents, the airline's original Property Irregularity Report for delayed baggage, and police or accident reports where relevant. No paperwork, no reimbursement.
Please confirm you've read the conditions.
Please confirm to continue.

Want the full policy wording first? Ask us to email it to you — no obligation, and nothing is charged until you say so.

Step three

How to apply

Applications for Travel VIP are handled directly by VUMI®. Take your estimate with you — everything you need is below.

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What you'll need to hand

The insurer asks for very little. Have this ready and it takes a few minutes.

  1. Who is travelling. Full name exactly as it appears in the passport, for every person on the policy.
  2. Date of birth and passport number. For each traveller — this is what the policy is issued against.
  3. Which plan. Single trip for your dates, or the annual plan at 30, 45 or 90 days per trip. Your estimate above tells you which is cheaper.
  4. Mailing address and email. For the main traveller only.
  5. Who is paying. The main traveller, or somebody else paying on their behalf.

Or go directly to VUMI®

VUMI® underwrites the policy, takes the premium and issues your certificate. Nothing on this website collects your details or your payment.

⚠️ Read the conditions before you pay. The five points below decide whether a claim gets paid — especially that you are not covered in your own country and that VUMI® must be contacted before treatment. Ask VUMI® for the full policy wording and conditions of coverage before committing.

Five things to understand first

These are the conditions travellers most often get caught out by.

  1. You are not covered in your own country. Cover is worldwide but excludes your country of residence. This is insurance for while you are abroad — it does nothing for you at home and does not replace local health cover.
  2. Call the insurer before you are treated, not after. Hospital admission — notify immediately. Anything else needing a doctor — within 72 hours. Admissions, evacuations, repatriation and major scans (MRI, CT, PET, endoscopy, biopsy) need pre-authorisation at least 72 hours ahead. Calling first is what gets the hospital billed directly instead of you.
  3. A pre-existing condition must have been stable for six months. No symptoms, no new treatment, no change of medication or dosage in the six months before you travel. Declare it — an undeclared condition is the most common reason a claim is refused.
  4. Cover starts when the premium is paid and the certificate is issued. Not when you enquire, and not when you fill in a form.
  5. Keep every piece of paper. Claims need itemised bills with proof of payment, boarding passes and travel documents, the airline's original Property Irregularity Report for delayed baggage, and police or accident reports where relevant.

Take your estimate with you

Email it to yourself or print it, so you have the figures when you speak to VUMI®.

Application received

We have everything we need. You'll get a reply within one working day with your certificate and payment instructions.

⏳ You are not covered yet. Cover begins once the premium is received and the insurer issues your certificate. If you're travelling within 48 hours, call us so it can be pushed through today.
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The cover

What you're actually buying

This is a full international medical plan, not a basic travel add-on. You pick the doctor and the hospital, anywhere in the world.

⚠️ This table is a summary. The binding document is the policy wording and the certificate issued to you. Where anything here differs from the policy wording, the policy wording governs. Ask us for the current wording before you buy — we'll send it across.
Pre-existing medical conditions
Unusually for a travel plan, pre-existing conditions can be covered — up to US$500,000. The condition must have been stable for at least six months before you travel: no symptoms, no new treatment, and no change to medication or dosage.

If something was diagnosed, treated, or had its medication adjusted inside that six-month window, it will not be covered. If you're not sure, declare it on the application and let us check it with the insurer before you pay anything. That costs nothing, and it's far better than finding out at a hospital counter.
Evacuation, repatriation and getting home
If you're somewhere that can't treat you properly, the insurer arranges and pays for emergency medical evacuation to the nearest facility that can — including air ambulance where it's medically necessary.

If the worst happens, repatriation of remains is covered, so your family isn't left arranging and funding that from home. The plan also covers airfare for a family member to fly out and be with you if you're hospitalised abroad, and a return flight home if illness cuts your trip short.
Where you're covered — and where you're not
Cover is worldwide, excluding your country of residence. That means you are covered the moment you are abroad, and not covered at home. This is travel insurance, not a local health plan — it sits alongside whatever local cover you already have, it doesn't replace it.

Certain countries may also be excluded to comply with the conditions of coverage — typically places under sanction or subject to official travel warnings. If your itinerary is unusual, ask us to check it before you buy.

One useful consequence: the plan exceeds the insurance requirements of the Schengen visa, so you don't need a separate policy for a European application.
Calling before treatment — the rule that decides your claim
This is the condition people get caught by, so it's worth being precise:

· Hospital admission — notify the insurer immediately.
· Illness or accident not needing admission — notify within 72 hours.
· Pre-authorisation, at least 72 hours ahead — all hospital admissions, emergency transport, repatriation or evacuation, major procedures (MRI, CT, PET, gastroscopy, colonoscopy, biopsy) and non-emergency benefits such as physiotherapy.

Notifying first is what allows direct billing to the hospital, so you aren't fronting thousands on a card. If direct payment isn't possible the insurer reimburses at usual, customary and reasonable rates — but you'll need itemised bills with proof of payment, and for baggage claims the airline's original Property Irregularity Report.
What the 24/7 assistance line actually does
One number, answered any hour, in English or Spanish. They will find you a hospital, confirm cover to that hospital directly, and where possible settle the bill with the provider so you're not fronting thousands on a credit card in a foreign country.

Call them before treatment wherever the situation allows — it's the difference between a settled claim and an argument over paperwork weeks later.
What isn't covered
Typical exclusions include: conditions that weren't stable for the required period; travel undertaken against medical advice or specifically to seek treatment; pregnancy and childbirth beyond defined limits; self-inflicted injury; incidents while under the influence of alcohol or drugs; professional or high-risk sports; war and civil unrest; and claims arising in a country you were officially advised not to travel to.

That's a summary, not the full list. Read the exclusions section of the policy wording properly before you buy — ask us and we'll send it.
Questions

Before you buy

The things travellers ask us most.

One trip or the annual plan — which is cheaper?
It depends entirely on the days. A single trip is priced per day, so short trips are cheap and long ones add up quickly. The annual plan is a flat price for twelve months of unlimited trips.

Our quote engine prices both against the trips you told us about and tells you which one wins, in dollars. You don't have to work it out yourself.
Isn't my credit card cover enough?
Usually not. Card cover is typically capped far lower than people expect — often US$50,000 or less — and normally requires that you booked the entire trip on that card. A single night in a US intensive care unit can pass US$20,000, and a serious event with an air ambulance home runs into six figures.

Check your card's actual limit. If it's below US$500,000, it won't carry you through a major medical event abroad.
What if my trip runs longer than planned?
Single-trip cover can be extended as many times as needed, provided the extensions are consecutive and the total doesn't exceed 365 days. On an annual plan, if one trip runs past your 30, 45 or 90-day limit, it can be extended for an additional daily premium.

Contact us before the original cover expires. Extending is simple; restarting after a gap is not.
Is there an age limit?
Cover is available up to age 79. Travellers aged 70–79 carry a US$500,000 maximum rather than US$5,000,000 — still substantial, but worth knowing if you're travelling to the United States. If you're 80 or over, contact us directly and we'll look at other markets for you.
How fast can I be covered?
Usually the same working day. Once you submit, the application goes into the insurer's portal, the premium is taken, and the certificate is emailed to you. If you're flying within 48 hours, say so on the form and we'll prioritise it.

Travelling soon?

Price it in about a minute — then apply the same day.

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Your premium
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