TRAVEL & INTERNATIONAL INSURANCE
Travel & International Medical Insurance
International travel can create insurance needs that are different from the health insurance you use at home. Travel medical insurance, travel protection, and international health insurance are designed for different situations.
Review IMG plans online or contact me for assistance
START HERE
What Kind of International Insurance Do You Need?
The right type of coverage depends on where you are traveling, how long you will be away, your home country, your destination, and what you want the insurance to protect.
IMG offers several categories of international insurance. Instead of assuming that one plan is right for every traveler, it is important to first understand the purpose of each type of coverage.
UNDERSTAND THE DIFFERENCE
Travel Medical, Travel Protection & International Health
These types of insurance may sound similar, but they are designed for different needs.
Travel Medical Insurance
Temporary medical coverage for eligible travelers who become sick or injured while traveling outside their home country.
Depending on the plan, coverage may include eligible medical expenses and emergency medical evacuation benefits.
Travel Protection
Travel protection products may help protect against certain covered financial losses connected with a trip.
Depending on the plan, covered events may involve trip cancellation, trip interruption, travel delay, baggage, medical expenses, or other specified travel-related losses.
International Health Insurance
International health insurance is designed for certain people who live or work internationally and need longer-term private medical coverage.
These plans are different from temporary travel medical insurance.
COMMON SITUATIONS
Who May Want to Explore International Insurance?
IMG offers products for several types of international travelers. Eligibility and available plans depend on the individual situation and the applicable product.
Visitors to the United States
Family members, parents, relatives, or other eligible international visitors coming to the United States may want to explore temporary travel medical insurance.
Traveling Outside Your Home Country
International vacationers and business travelers may want to understand what medical coverage they have while outside their home country and whether additional travel medical insurance is appropriate.
Students & Exchange Visitors
International students, scholars, and exchange participants may have insurance requirements or medical coverage needs while studying or participating in a program abroad.
Longer-Term International Residents
Expats and certain global citizens living or working internationally may need to consider longer-term international health insurance rather than temporary travel medical insurance.
IMPORTANT DISTINCTION
Travel Insurance Is Not ACA Marketplace Coverage
Travel medical insurance and international insurance products are separate from ACA Marketplace health insurance.
These products should not be assumed to provide the same benefits, protections, eligibility rules, or coverage structure as an ACA Marketplace major medical plan.
If you are a Texas resident looking for regular individual or family health insurance rather than travel-related coverage, visit my Texas Health Insurance or ACA / Obamacare pages.
BEFORE YOU BUY
What Should You Compare?
Do not choose an international insurance plan based only on price. Review the actual plan documents and consider the benefits and limitations that matter for your trip or international situation.
Medical Benefits
Review eligible medical benefits, maximum limits, deductibles, and other cost-sharing provisions.
Emergency Evacuation
Review whether emergency medical evacuation benefits are included and the conditions that apply.
Trip Protection Benefits
If trip cancellation, interruption, delay, or baggage protection is important to you, review the specific covered reasons and benefit limits.
Pre-Existing Conditions
Review how the specific plan treats pre-existing conditions and whether any applicable benefit, limitation, exclusion, or eligibility requirement applies.
Destination & Eligibility
Plan availability can depend on factors such as home country, destination, age, trip duration, residency, and other eligibility requirements.
Exclusions & Limitations
Read the certificate, policy, or other governing plan documents so you understand exclusions, limitations, requirements, and covered benefits.
SHOP ONLINE
Prefer to Review IMG Plans Yourself?
You can use my IMG producer link to review available international insurance plans and obtain a quote online.
The IMG website will ask for information about your travel or insurance needs and show products that may be available based on the information you enter.
This link takes you to an IMG website where you can review available products and plan information. Product availability, eligibility, benefits, exclusions, limitations, pricing, and policy terms vary by product and individual circumstances. Review the applicable insurance contract and plan documents before purchasing.
ENGLISH & 中文
Want Help Before You Choose?
If you are considering travel medical insurance, visitor coverage, travel protection, student coverage, or international health insurance, you are welcome to contact me before making a decision.
I can help you understand the general differences between available options and identify important questions to review, including eligibility, medical benefits, deductibles, exclusions, limitations, emergency evacuation benefits, and other applicable plan terms.
The appropriate product depends on the traveler's situation, destination, home country, travel dates, eligibility, and the specific plan terms.
如果您希望用中文了解旅游医疗保险、访美医疗保险、 旅游保障计划、留学生保险或国际健康保险， 欢迎与我联系。
IMG
International Medical Group (IMG)
IMG offers international insurance products for different types of travelers and international situations, including travel medical insurance, travel protection products, and international health insurance.
The products available to you, the insurer or underwriting company, benefits, and policy terms depend on the specific plan and applicable jurisdiction.
Please review the information provided by IMG and the applicable insurance contract before purchasing.
LICENSE INFORMATION
Jean Rao
Licensed name: Qin Rao
Texas Insurance License #: 3499032
National Producer Number (NPN): 22225585
Important Information
Information on this page is provided for general educational and informational purposes only. It does not constitute an insurance contract, guarantee of coverage, guarantee of benefits, or recommendation that a particular insurance product is appropriate for you.
Travel medical insurance, travel protection, international health insurance, and other international insurance products can have different eligibility requirements, benefits, deductibles, exclusions, limitations, maximums, and other policy terms.
Product availability and policy terms may vary based on residency, destination, age, travel dates, state, country, and other applicable factors.
The information displayed on IMG websites may summarize certain features of available products. The applicable insurance contract, certificate, policy, application, endorsements, riders, and other governing plan documents determine the actual coverage, benefits, exclusions, and limitations.
Travel-related insurance products described on this page are separate from ACA Marketplace health insurance.
Last reviewed: September 2026