Travel Medical Insurance in Charlotte, NC

Single Trip — one trip of up to 182 days. Medical maximums from $50,000 to $1,000,000. The Platinum tier covers pre-existing conditions; the Gold tier does not.

Multi-Trip — unlimited trips in a 364-day period, covering the first 70 days of each trip. Both tiers cover pre-existing conditions.

Living Abroad — long-term coverage for anyone overseas at least three months a year, with options for students, maritime crew, and missionaries.

Eligibility — U.S. residents age 95 and younger. Coverage must be purchased before you depart.

Does Medicare cover me outside the United States?
Generally no. Original Medicare pays for foreign care only in a few narrow situations, and most Medicare Advantage plans limit it to emergencies.

Is this the same as trip cancellation coverage?
No. Trip cancellation covers your money. This covers doctors, hospitals, prescriptions, and evacuation while you are abroad.

What does it cost?
Plans start from about $2 a day, depending on traveler age, trip length, medical maximum, and deductible.

Can I get covered with a health condition?
Single-trip Platinum includes pre-existing-condition coverage and requires an eligible primary health plan; Gold does not cover pre-existing conditions. Multi-trip options also have primary-plan requirements. Review the selected policy’s eligibility, exclusions and benefit terms rather than assuming every treatment will be paid.

How late can I buy it?
Make the initial purchase in your home country before departure; the provider permits purchase up to one day before you leave. For a single-trip policy, you may request an extension or one consecutive re-enrollment while overseas, subject to the program’s terms. Confirm dates and approval before relying on continued coverage.

Who underwrites these plans?
Blue Cross Blue Shield Global Solutions, formerly GeoBlue, is the trade name of Worldwide Insurance Services, LLC and administers the individual travel coverage. The insurance policies are issued by 4 Ever Life International Limited, Bermuda. Confirm the issuer on your policy and review the current insurer disclosures before purchase.