You’ve planned the trip, booked the flights, and packed your bags the last thing you need is a setback you can’t afford. From trip cancellations to medical emergencies overseas, unexpected events can drain your savings fast.
Many travelers assume their health or credit card coverage will protect them abroad, but most policies have gaps once you leave the country.
At Trailstone Insurance Group, we help you find travel insurance that covers the risks you can’t see coming, so you can focus on the adventure, not the “what ifs.”
Most travelers don’t realize how expensive an emergency abroad can be until it happens. These common costs show why the right travel insurance isn’t optional, it’s essential.
Did You Know?
An emergency medical evacuation from another country can cost $50,000–$200,000 depending on location.
U.S. health insurance often covers 0% of medical bills outside the country unless you purchase a special rider.
The average overseas hospital stay can cost $3,000–$10,000 per day, and many require payment before treatment.
Many travelers assume their regular health insurance will cover them abroad, but most plans exclude or severely limit coverage outside the U.S.
That means a broken bone in Europe or an emergency evacuation from a remote island could leave you paying tens of thousands out of pocket. Credit card travel protection often falls short too, covering only small portions of medical costs or trip interruptions.
With the right travel insurance, you’ll have access to 24/7 emergency assistance, full overseas medical coverage, and reimbursement for trip disruptions, so one unexpected event doesn’t end your adventure or drain your savings.
— Katrina A. Littleton, CO
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.
In many cases, U.S. health insurance plans provide little or no coverage outside the country. Medicare generally does not cover international medical care. Travel insurance fills this gap by covering emergency medical treatment, hospital stays, and even medical evacuation if you need to return home for care.
Travel insurance isn’t legally required for most destinations, but some countries do make it mandatory for entry. Even when it’s optional, Trailstone strongly recommends it, especially for international travel, so you’re not left paying out-of-pocket for major medical bills, trip cancellations, or emergencies abroad.
Travel insurance helps protect you against unexpected costs while traveling. Most policies include coverage for trip cancellations or interruptions, emergency medical expenses, lost or delayed baggage, and sometimes travel delays. Depending on the plan, you may also get coverage for emergency evacuations or accidental death benefits.
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.