Travel Insurance
Also known as: Travel medical insurance, Holiday insurance, Trip insurance, Overseas health cover
Travel insurance covers unexpected medical costs, trip cancellation, and emergencies while you are abroad.
Last updated: 2 April 2026
Real-world example
You fall off a motorbike in Bali and break your collarbone. The ER visit, X-rays, and overnight stay at BIMC Hospital cost $2,800. Your travel insurance covers the full amount minus a $100 excess. Without insurance, you'd have paid the entire bill yourself before leaving the hospital.
Why travellers need to know
Travel insurance is the difference between a manageable incident and a financial crisis. A single ER visit in the US can exceed $5,000. Medical evacuation can cost $50,000-200,000. Most national health systems (NHS, Medicare) provide zero cover abroad. Even EHIC only covers public healthcare in the EU at local rates. Comprehensive travel insurance with at least $1 million medical cover is the baseline for any international trip.
Country-specific notes
Medical cover of $2M+ recommended due to US costs
US healthcare costs are so high that many insurers recommend $2 million+ medical cover for trips to the US specifically. A week in a US ICU can exceed $50,000. Budget travel insurance with $100,000 limits may be insufficient for serious incidents.
Warning
Check your policy's US-specific sub-limits. Some policies that offer $5M cover worldwide cap US medical expenses at a lower figure.
Frequently asked questions
How Nomedic helps
Store your policy number, insurer hotline, and cover limits in your Nomedic record so they are accessible at the moment you need them, not buried in an email.
Your health records, anywhere you go
Your insurance details, stored with your health records.
Free to start. No credit card required.