International Travel Insurance
That Actually Protects You
Your health insurance stops at the border
Most Americans don't realize their domestic health plan offers little to no coverage once they leave the country. A hospital stay abroad can cost tens of thousands of dollars out of pocket — and Medicare doesn't travel at all.
Covoya connects you to the world's top international insurance carriers — GeoBlue, Cigna Global, IMG, and more — in one place, so you can compare real plans and get real coverage before you go.
What your domestic plan excludes abroad
- Emergency hospitalization in a foreign country
- Medical evacuation back to the US (can cost $50,000+)
- Trip cancellation due to illness or emergencies
- Prescription drugs and specialist visits abroad
- Any coverage under Medicare outside the US
What Covoya plans cover
- Emergency medical treatment in 190+ countries
- Medical evacuation and repatriation
- Trip cancellation, delay, and interruption
- Lost baggage and travel inconvenience
- Pre-existing condition options available
Coverage for every kind of traveler
Whether you travel once a year or live abroad full-time, there's a Covoya plan built around your life.
Single-Trip
One trip, fully covered. Perfect for vacations, family visits abroad, or one-time international travel.
- Up to 180 days of coverage
- Emergency medical & evacuation
- Trip cancellation & interruption
- Lost baggage protection
Annual Multi-Trip
Unlimited trips for 12 months. Built for frequent travelers, business travelers, and anyone who travels more than twice a year.
- Unlimited trips, up to 70 days each
- One policy, one annual premium
- Business travel ready
- Cancel-for-any-reason add-on
Expat & Long-Term
Living or working abroad? Get primary health coverage that replaces your domestic plan — for expats, retirees, and students.
- Full primary health coverage
- Covers pre-existing conditions
- Prescription drug coverage
- Dental & vision add-ons
What every Covoya plan includes
Core protections that every international traveler needs — whether you're gone 10 days or 10 months.
Emergency Medical Coverage
Hospital stays, ER visits, doctor visits, surgeries, and prescription drugs abroad — covered up to policy limits, with direct billing to many providers so you pay nothing out of pocket.
Medical Evacuation & Repatriation
If you need to be flown to a higher level of care — or brought home — Covoya arranges and covers emergency air ambulance, medical escort, and repatriation of remains if the worst happens.
Trip Cancellation & Interruption
If illness, injury, or a covered emergency forces you to cancel before departure or cut your trip short, Covoya reimburses your non-refundable flights, hotels, and prepaid expenses.
Travel Delay & Missed Connections
Stuck at the airport longer than 6 hours? Covoya covers meals, lodging, and additional transportation costs from covered delays — including severe weather and airline mechanical issues.
Baggage Loss & Personal Effects
Lost, stolen, or damaged baggage is covered — including electronics and valuables up to policy limits. Baggage delay reimbursement for essentials if your luggage arrives late.
24/7 Global Assistance
One number, anywhere in the world. Medical referrals, hospital coordination, emergency cash advances, lost passport assistance, and translation services — around the clock.
Built for every kind of international traveler
Frequent Travelers
Stop buying a new policy every trip. One annual plan covers every international journey for 12 months.
Expats & Long-Term Residents
Living abroad? Get primary health coverage that fully replaces your domestic plan — wherever you call home.
Students Abroad
Study abroad programs often require proof of coverage. We make it simple and affordable to stay compliant.
Business Travelers
One policy card in your wallet. Coverage in 190+ countries for every client meeting, conference, or project site.
Leisure Travelers
From a European vacation to a Southeast Asia adventure — protect your trip investment and your health.
Retirees Traveling Abroad
Medicare stops at the border. We connect retirees with coverage designed specifically for international travel.
Get covered in three steps
No lengthy forms. No phone calls. Real international coverage delivered to your inbox in minutes.
Tell us where you're going
Enter your destination, travel dates, traveler details, and what type of trip it is. Takes about 90 seconds.
Compare top-rated plans
See real quotes from GeoBlue, Cigna Global, IMG, and other leading carriers — side by side, in plain English. Filter by price, coverage, and deductible.
Travel with confidence
Your policy documents arrive instantly. Our 24/7 global assistance line is included — one call connects you to real help, anywhere in the world.
Why Covoya beats going abroad uninsured
Your domestic health plan wasn't built for international travel. Real gaps exist — and they can cost you everything. Covoya fills every one of them.
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