Licensed in FL · GA · NC · TX · Mon–Fri 9–6
EN ES
Get a Quote
Personal Insurance
Business Insurance
Resources
Obamacare Get a Quote

Travel & International Medical · Florida

Florida Travel Insurance: Trip & Medical Coverage

From a week in Cancún to a semester abroad, secure the exact trip protection you need. Quote your travel insurance online or let a bilingual Miami agent assist.

Travelers with suitcase and passport beside a plane and globe emblems, flat vector travel insurance illustration

What does comprehensive travel insurance cover for Florida residents?

Comprehensive travel insurance for Florida residents provides dual protection: trip cancellation coverage for prepaid, non-refundable expenses if your trip is interrupted, and travel medical insurance for emergency treatment, evacuation, and repatriation while traveling abroad or out-of-network. It also covers delayed or lost baggage.

Travel Insurance in Miami: Quote It Yourself or Call Us

Travel insurance in Florida is really a shelf of very different products wearing one name. There is trip cancellation protection for the money you've paid, and travel medical coverage for emergencies abroad. There are plans built for visitors coming TO the United States, and coverage for students and workers living overseas. American US Insurance offers the full IMG lineup, a carrier that specializes in international coverage. So this page works two ways. Browse the coverage types below and quote the exact plan yourself online, or send the form and a bilingual agent matches the plan to your trip. Either way, American US Insurance is your agent of record, in Miami and across Florida. Sailing from a Florida port? Our cruise travel insurance guide covers what a cruise plan should include.

Trip Cancellation Insurance With Emergency Medical

These plans protect both sides of the trip. They bundle cancellation, interruption, emergency medical, and evacuation into one plan, so the prepaid money and the medical emergency are both covered.

iTravelInsured Choice

Trip cancellation up to 100% of trip cost and interruption up to 150% — plus emergency medical benefits, telehealth access, and travel delay coverage.

iTravelInsured Travel (Lite / SE / LX)

Three protection tiers with emergency medical and evacuation on every one — up to $500,000 in primary medical and $1,000,000 in evacuation and repatriation on LX.

Travel Medical Insurance for Trips Abroad

For U.S. residents leaving the country: emergency medical, evacuation, and repatriation coverage that your domestic health plan doesn't pack for the trip.

Patriot Lite Travel Medical

Short-term travel medical for individuals, families, and groups — 5 days to 2 years, with coverage for acute onset of pre-existing conditions.

Patriot Platinum Travel Medical

First-class short-term coverage up to 3 years — higher maximums, 24/7 telehealth, illness and accident coverage to the policy maximum.

Patriot Multi-Trip

One annual policy for frequent travelers — every trip up to 30, 60, or 90 days covered, $1,000,000 maximum limit.

GlobeHopper Senior

Travel medical built for travelers 65+ — single trips extendable to 12 months, deductibles from $0 to $2,500.

Visitors Insurance for Family Visiting the USA

U.S. healthcare prices are the world's harshest surprise — these plans cover family and friends while they're here.

Patriot America Plus

Travel medical for non-U.S. residents visiting the USA — 5 days to 2 years, renewable, with acute-onset pre-existing condition coverage.

International Student and J-1 Visa Insurance

Study abroad and exchange visas come with insurance requirements — these plans are built to satisfy them.

Patriot Exchange Program

Medical coverage for exchange students and cultural programs (J-visa friendly) — 1 month to 4 years, $5,000,000 maximum, low deductible options.

Student Health Advantage

Long-term medical for international students and scholars — 1 month to 5 years, PPO network coinsurance in the U.S.

Student Health Advantage Platinum

The elevated tier of the student plan — higher limits and richer benefits for longer programs.

Expat Health Insurance, Group and Marine Crew Plans

For lives lived abroad: expats, families on the move, employer groups, and working crews.

Global Medical Insurance

Annually renewable worldwide major medical for individuals and families — deductibles from $100 to $25,000, long-term by design.

GEO Group

Group health for staff sent abroad by their employer. Life, dental, and daily indemnity options, plus full takeover terms.

International Marine Medical

Worldwide group coverage for professional marine crew — $5,000,000 per-person maximum, primary to the vessel's P&I.

You'll complete your purchase on IMG's secure portal — American US Insurance is your agent of record.

Additional Personal Insurance Options

Travel and Cruise Insurance Guides

Start Here

Compare Travel Insurance Quotes Online

A quick form submits your trip details to a bilingual agent to start your quote, while you proceed straight to the full plan catalog to quote online at your pace.

You'll complete your purchase on IMG's secure portal — American US Insurance is your agent of record.

Request My Travel Insurance Quote

Common Questions

Florida Travel Insurance Questions, Answered

What does comprehensive travel insurance cover for Florida residents?

Comprehensive travel insurance for Florida residents provides dual protection: trip cancellation coverage for prepaid, non-refundable expenses if your trip is interrupted, and travel medical insurance for emergency treatment, evacuation, and repatriation while traveling abroad or out-of-network. It also covers delayed or lost baggage.

Does my domestic U.S. health insurance work internationally?

Usually not. Most domestic health networks, including ACA Marketplace plans, provide little to no coverage abroad. Travel medical insurance specifically fills this gap, covering emergency overseas treatment, hospital stays, and high-limit medical evacuation that standard policies exclude.

Can international visitors to the USA purchase medical insurance?

Yes. Visitor health plans cover non-U.S. residents during their temporary stay. Given the extremely high cost of American healthcare, comprehensive visitor insurance is vital for visiting relatives or parents, with premium plans even covering the acute onset of pre-existing conditions.

When is the best time to buy trip cancellation insurance?

You should purchase trip cancellation coverage as soon as you make your first non-refundable trip deposit. Buying early unlocks time-sensitive benefits like "Cancel for Any Reason" upgrades. For Florida cruisers, early purchase is crucial because you cannot insure a trip against a hurricane once the storm is named.

Does travel insurance cover hurricanes?

Trip cancellation plans generally cover cancellations and interruptions caused by severe weather. The policy must be bought before the storm was named or foreseeable. Timing is the entire game, so buy when you book.

What type of insurance do international students need in the US?

Most universities and J-visa exchange programs mandate specific international student health insurance that meets strict coverage, repatriation, and emergency evacuation minimums. Dedicated student travel medical plans are designed out-of-the-box to satisfy these institutional and visa requirements.

Can I buy these plans myself online?

Yes. Every plan on this page quotes and issues online through IMG's secure portal, with American US Insurance as your agent of record. And if you'd rather have a human compare them first, that's what the form and a bilingual agent are for.

How do I get travel insurance in Miami?

Two ways from this page. Quote the plan yourself through any Get Quote link, or send the form. A bilingual agent matches the plan to the trip, and you enroll knowing it's right. Either path, we're your agent in Miami.
800-868-9170