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Get Travel Insurance Advice

Get the best travel insurance advice from the insurance experts at Friendly Global. With a combination of 25+ years of unbiased insurance advisement and a customer focused vision, we offer helpful travel insurance advice and tips.

Friendly Tip 1

If you’re having trouble deciding between international health insurance and emergency medical insurance, consider what type of trip you plan to take.

International health insurance is considered comprehensive, because it covers preventative care visits necessary to maintain your health and ensures you stay well and is advised for travelers relocating for a year or longer. This type of coverage is also recommended for families with small children, older travelers, and those with chronic or pre-existing conditions.

Emergency medical insurance is usually considered if a higher-than-normal risk is anticipated on the trip, or if the traveler is only looking for emergency medical as coverage for the trip.

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Friendly Tip 2

It’s important to keep in mind that if you are buying international health insurance, you should also consider travel insurance separately against unforeseen travel related events such as trip cancellation, trip interruption, and lost luggage.

Most travel insurance policies include limited emergency medical protection which is usually sufficient for short vacations and quick business trips. However, in certain cases when traveling 3-12 months or longer, in addition to your travel insurance, international comprehensive medical insurance is recommended for travelers with small children, older travelers, and those with chronic or pre-existing conditions.

Friendly Tip 3

For those having difficulty deciding between emergency medical insurance and travel insurance, check out this tip.

Most travel insurance policies include limited emergency medical protection which is usually sufficient for short vacations and quick business trips. However, if you are traveling for more than 3 months and have young children or elderly individuals going on your trip, especially those prone to falls or injury, emergency medical insurance is recommended – at a minimum.

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Emergency medical care plans cover emergency medical expenses that travel insurance may not fully cover, such as emergency room visits, emergency treatment, repatriation, emergency evacuation, and 24/7 access to an emergency assistance medical hotline to speak with medical experts, among other benefits. Emergency medical insurance is also a good idea for anyone engaging in extreme sports or risky activities. For example, some emergency medical plans offer adventure sports coverage such as bungee jumping or scuba diving as an optional add-on benefit.

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Friendly Tip 4

Overall, about 4% of flights from all major carriers in the United States were canceled in 2022, which accounts for over 60,000 flights– the highest cancellation rate in nearly a decade, according to the Bureau of Transportation Statistics (except for 2020, due to the COVID-19 pandemic).

Flight cancellations have ranged from about 1.7% to 6.7% in the last decade, making flight cancellation a major concern for travelers. Having comprehensive travel insurance can mitigate the risk of having a flight cancelled, saving time, money, and in some cases your trip!

Friendly Tip 5

Families with children may be able to save money on insurance coverage. Some airlines and cruises will give discounts for children under the age of 12. Additionally, some companies understand the importance of your child’s safety on a budget and will provide free insurance for travelers under 17 years old.

Always check to see if insurance companies have discounted insurance rates or free insurance options for children and what ages qualify.

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a clipboard with a travel insurance form on it next to a calculator.

Friendly Tip 6

Did you know that the U.S. Center for Disease Control and Prevention (CDC) recommends that travelers obtain health insurance that covers medical care abroad. They also urge those who plan to travel to remote areas to buy additional insurance that will cover health care and emergency evacuation.

It’s also a good idea for U.S. citizens to enroll with the U.S. Department of State’s Smart Traveler Enrollment Program (STEP) to check for and monitor any travel advisories for your destination.

Friendly Tip 7

Did you know that international health insurance provides resources for travelers and expats to help them find health specialists, doctors and medical facilities, 24/7 health services, translators, and more.

While it might seem like a simple thing to some, having someone who speaks your language and understands local healthcare practices in your corner during a healthcare emergency, or even in your day-to-day life, can add peace of mind and make getting the care you need much easier.

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Friendly Tip 8

Navigating the world of insurance can be difficult, but it doesn’t have to be. We have done a deep dive into the best insurance companies, based on their reputation, plans, and their history of paying customers’ claims and got the answers for you.

Friendly Global only recommends top-rated companies with 24-hour assistance and multiple tiers of coverage benefits, so you can choose the level of coverage you need and get help when and where you need it.

Friendly Tip 9

Wondering about your dental care or eye care abroad? Comprehensive international health insurance, also known as full-medical insurance, is a great way to take care of your health (including your eyes and teeth), no matter where you are traveling or how long you will be gone.

The American Dental Association (ADA) recommends that healthy adults visit a dentist at least once or twice per year to have their teeth examined and cleaned. According to the American Optometric Association (AOA), health adults should go to the eye doctor for an eye exam at least every two years and adults over 65 should have an annual eye exam.

International health care plans cover most medical expenses and may also offer maternity care, dental, and vision, among other health care benefits. These benefits are often considered add-ons to the policy with additional premium cost but are highly recommended for anyone with vision or dental issues that need to be examined and treated regularly.

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Friendly Tip 10

We highly recommend that seniors over 65 who are dependent on Medicare purchase comprehensive medical insurance or emergency medical insurance, in addition to senior travel insurance for any trips out of the country. International insurance helps cover any unexpected medical bills or costs, which can be a literal and figurative lifesaver in many situations. 

Get more travel insurance advice from a Friendly Global advisor. Talk to us about your travel and insurance needs to get personalized recommendations, tips, and answers to all your questions.  

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Travel Insurance Advice & Tips For Everyone

Friendly Global offers travel insurance advice for international travelers, whether this is your first trip outside of your home country or you’re an experienced globe trotter.