If you're planning a trip with multiple destinations, such as a vacation to Europe, you'll want to select the country that you plan on spending the most time in. Your travel medical insurance will cover you for the entirety of your trip and in countries outside of your own.

Yes, the insured does not have to be the one that fills out the application. You can purchase a travel medical plan for your parents, friends, or relatives as long as you have the necessary information.

As an international student studying in the USA, you will need to purchase student insurance from a US based company. Your domestic insurance policy will most likely not cover you while you are in the US. Most universities have standard visa and insurance requirements for students.

Travel is inherently risky, and so insurance can safeguard you from certain financial losses that often occur while traveling. If you have to cancel your beach rental for a covered reason, for example, trip cancellation/interruption benefits can reimburse you for your non-refundable, pre-paid trip costs (up to the amount of your plan limits). If your snowboarding gear gets stolen during your winter vacation, baggage loss/damage benefits can reimburse you for the loss. Depending on the plan you choose, travel insurance also can reimburse eligible medical costs in case of a covered medical or dental emergency; reimburse you for losses caused by a covered travel delay or baggage delay; protect you from paying for rental car damage or loss; and help in other situations as well.

That depends on your budget, your destination and your specific situation. If your biggest worry is protecting your vacation investment in case of a last-minute cancellation or trip interruption, then you need a plan with trip cancellation/interruption benefits. If you’re more concerned about mishaps that occur while traveling — such as baggage loss or delay, or trip delays — look for a plan with post-departure benefits. And to protect yourself in case of a medical emergency while traveling, we recommend a plan that includes emergency medical and emergency medical transportation benefits.