One trip
A plan for specific dates: a flight to see family, a vacation, a tour.
- Cancellation and interruption up to the trip cost you insure
- Doctor and evacuation, if the plan includes them
- Flight delays and baggage
Travel insurance
Travel insurance: trip cancellation, medical care abroad, baggage
Flying to see family, touring Europe, going on a cruise or traveling with kids and parents? One plan can pay back prepaid trip costs if you cancel for a covered reason, and pay for a doctor abroad if medical coverage is included. We help you choose and tell you plainly what a plan does not cover. Service in Russian and English.
Who it is for
- Flying to see family
- Europe and Turkey
- Armenia, Kazakhstan, Israel
- Cruises
- Expensive tours
- Trips with kids
- Travelers over 65
- Insurance for a Schengen visa
What a travel plan can cover
- Trip cancellation and interruption: your prepaid, nonrefundable costs back when you cancel or cut the trip short for a reason listed in the policy
- Emergency medical care and medical evacuation during the trip, in plans that include them. A cancellation-only plan usually does not pay for a doctor abroad
- Flight delays and missed connections: hotel and meals while you wait, within the plan's limits
- Lost, damaged or delayed baggage
- Cancel for any reason (CFAR) as an add-on, where the plan offers it
What kind of trip is it?
Each kind of trip has its own risks. Here is what to look at first.
Cruise
On a cruise the big risks are the ship's doctor, an evacuation from the ship and missing the departure. Medicare helps on board only in narrow cases.
- Medicare Part B may pay for care on board only when the ship is in a U.S. port or no more than 6 hours from one
- Medical evacuation from the ship or a port
- Missed departure because of a delayed flight, in plans that include it
Family with kids and parents
One plan for everyone on the trip. For parents over 65 the medical part matters most: Medicare usually does not pay abroad.
- All travelers on one plan, where the insurer allows it
- Pre-existing conditions: many plans waive the exclusion only if you buy soon after the first trip payment
- Evacuation home or to a hospital that can treat the patient
How it works
- 1
Tell us about the trip
Where you are going, including connections, the dates, who is traveling and their ages, and how much of the trip is prepaid and nonrefundable.
- 2
Compare what the plans cover
Cancellation and interruption, medical limits, evacuation, pre-existing conditions and CFAR. If something is unclear, a licensed producer explains it in Russian or English.
- 3
Buy early
Best right after the first trip payment: pre-existing condition coverage and CFAR are usually available only soon after it. On the trip, keep the policy and the insurer's assistance number with you.
Medicare abroad and other rules to know
| Original Medicare outside the U.S. | Usually does not cover care; in most cases you pay all costs |
|---|---|
| Care on a cruise ship | Part B may pay only when the ship is in a U.S. port or within 6 hours of one |
| Medigap and Medicare Advantage | Some Medigap policies may cover emergency care; Advantage plans generally do not, some add it as an extra benefit |
| Prescription drugs bought abroad | Not covered by Medicare drug plans (Part D) |
| Medicaid and the U.S. government | Do not pay for medical care abroad |
| Schengen visa | Travel medical insurance of at least €30,000, valid in all Schengen countries for the whole stay |
| New Jersey: canceling a new plan | Full refund for at least 10 days after you get the documents (15 if mailed), if the trip has not started and no claim was filed |
Sources: medicare.gov, travel.state.gov (U.S. Department of State), the EU Visa Code (Regulation 810/2009, Article 15) and New Jersey's Travel Insurance Act (P.L.2025, c.153). For Medicare, the U.S. means the 50 states, D.C., Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands and American Samoa.
Frequently asked questions
Will Medicare or my U.S. health insurance pay for a doctor abroad?
Usually not. Medicare.gov says Medicare usually does not cover care outside the U.S., and the State Department warns that most hospitals abroad do not accept U.S. health insurance and many ask for payment or a deposit before treatment. Check your Medigap or health plan before the trip and choose a travel plan with emergency medical coverage.
What is medical evacuation and why does it matter?
It is transport to a hospital that can treat you, or back home, often by air ambulance. The State Department estimates an air ambulance back to the U.S. at $20,000 to $200,000, depending on where you are and your condition, and most health plans do not pay for it. That is why it suggests buying evacuation coverage as part of travel insurance.
What is cancel for any reason (CFAR)?
An add-on that lets you cancel the trip for any reason, even if you simply changed your mind. It usually returns only part of the prepaid cost, has to be bought soon after the first trip payment, and requires canceling some time before departure. Not every plan offers it.
My parents have chronic conditions. Will the plan cover them?
Many plans exclude conditions you had before buying. The exclusion is usually waived if you buy soon after the first trip payment, insure the full nonrefundable cost and are medically able to travel on the day you buy. Not every plan has this waiver, so we look for it separately.
I have a green card and need a Schengen visa. What insurance does the visa require?
EU visa rules (Regulation 810/2009, Article 15) require travel medical insurance for the whole stay, valid in all Schengen countries, with at least €30,000 of coverage for emergency care, hospital treatment and medical repatriation. Not every U.S. travel plan meets these terms, so tell us the plan is for a visa. The consulate decides whether to accept it.
My parents are flying to visit us in the U.S. Is this the right insurance?
No. This page is about trips that U.S. residents take abroad. Guests coming to the U.S. need a separate visitor medical policy: that is health insurance, and the right person to ask is a health insurance specialist.
Can I insure a trip to any country?
Not always. Some insurers do not cover trips to, through or from countries under U.S. sanctions, and many plans do not cover destinations under a State Department Level 4 (Do Not Travel) advisory at the time of purchase. Send us the full route with connections and we will check the terms.
Who sells the plan, and in which states?
The policy is issued by an insurance company; Dmitry Borovoy, a licensed property and casualty insurance producer, helps you choose and place it. New Jersey's Travel Insurance Act (P.L.2025, c.153) expressly allows a producer with property or casualty authority to sell travel insurance. We serve residents of the states where Dmitry holds a producer license (22 today) and check your state's rules before placing a plan.
Booked your tickets? Now is the time to insure the trip
Pre-existing condition coverage and CFAR are usually available only soon after the first trip payment. Send us the route and dates, and we will help you choose. We speak Russian and English.
The policy is issued by an insurance company: coverage, exclusions and price follow its terms, and you pay the insurer. Plans are chosen and placed by Dmitry Borovoy, a licensed property and casualty insurance producer (NPN 22313558); his commission is paid by the insurance company or the partner, and your price does not change because of it. About the license