Whether you are going to Europe for a vacation or visiting family in Asia or you travel internationally a lot, your health insurance in the U.S. Does not cover you outside the United States. International travel medical insurance covers emergency bills, hospitalization, evacuation and more when you are abroad.
Blue Cross Blue Shield Global Solutions offers international travel insurance for people living in the U.S. You can get single trip plan if you travel once in a while or a multi-trip plan if you travel often. Both plans have a network of doctors and hospitals in over 190 countries.
You can compare and purchase these plans through American Visitor Insurance, which helps you evaluate coverage options, pricing, and benefits across multiple providers to find the best plan for your travel needs.
Blue Cross Blue Shield Insurance offers flexible international travel insurance options for U.S. residents traveling abroad. Whether you're planning a one-time trip or traveling multiple times throughout the year, BCBS provides both single trip and multi-trip (annual) coverage options to match different travel needs.
Both options include benefits such as emergency medical coverage, hospitalization, and access to a global network of healthcare providers.
Best for: U.S. residents taking one international trip lasting anywhere from 1 day to 6 months (up to 182 days).
BCBS Global Solutions Single Trip insurance comes in two tiers: Gold and Platinum. Both offer strong international medical protection. The difference comes down to one key factor whether you have a primary U.S. health insurance plan and whether you need pre-existing condition coverage. Both plans are available up to 95 years.
Best for: U.S. residents who don’t have a primary U.S. health insurance plan, or travelers in good health with no pre-existing conditions want solid emergency medical coverage at an affordable price, and are taking one international trip up to 182 days
The Single Trip Gold plan is an affordable, budget-friendly international travel insurance option for U.S. residents. It provides reliable medical coverage abroad at a low cost, making it a simple and easy way to stay protected during your trip.
Top Benefits of BCBS Single Trip Gold - Standard International ProtectionBest for: U.S. residents who have a primary U.S. health insurance plan and want coverage for pre-existing conditions while traveling abroad.
The Single Trip Platinum plan offers full coverage for pre-existing conditions, making it one of the best travel insurance options for Americans during international travel. It is ideal for travelers with ongoing health concerns who want the highest level of medical protection abroad and maximum coverage limits for serious or extended trips, providing complete peace of mind while traveling internationally.
Both plans are excellent options for U.S. residents traveling internationally, offering strong medical coverage and global support. The right choice depends on your health, travel frequency, and level of protection you need.
| If you are… | Choose… |
|---|---|
| Healthy, no primary plan | Gold |
| Healthy, have a primary plan | Gold (save money) |
| Have pre-existing conditions + primary plan | Platinum |
| Senior traveler (60+) with health history | Platinum |
| Traveling to high-cost medical countries | Gold (save money) |
| Healthy, have a primary plan | Platinum |
| Budget is your top priority | Gold |
| Maximum protection is your priority | Platinum |
Best for: U.S. residents taking 2 or more international trips per year, with each trip lasting up to 70 days.
If you travel internationally more than once a year whether for business, visiting family, or simply exploring the world buying a new single trip plan for every journey can be both expensive and time-consuming. A Multi Trip annual plan solves this problem with one policy, one purchase, and coverage for unlimited international trips over 12 months.
Blue Cross Blue Shield Global Solutions offers two annual multi-trip travel insurance plans for U.S. residents: Multi Trip Gold and Multi Trip Platinum. These plans are designed for frequent travelers who want continuous international medical coverage throughout the year without the hassle of purchasing a new plan for each trip.
Best for: Frequent international travelers who want affordable year-round coverage and whose pre-existing conditions are stable.
The BCBS Multi Trip Gold plan is ideal for frequent travelers seeking affordable, dependable global medical coverage throughout the year, covering unlimited trips within 12 months with each trip up to 70 days.
Top Reasons to Choose BCBS Multi Trip GoldBest for: Frequent international travelers who want the highest coverage limits and comprehensive pre-existing condition protection throughout the year.
The BCBS Global Solutions Multi Trip Platinum Plan provides premium year-long medical protection for frequent travelers and business professionals seeking higher coverage limits and access to the trusted Blue Cross Blue Shield Global Network.
Top Reasons to Choose BCBS Multi Trip PlatinumBoth Multi Trip Gold and Platinum plans are excellent annual travel medical insurance options for U.S. residents, offering coverage for unlimited international trips per year (up to 70 days per trip). The right plan depends on whether you’re looking for affordable coverage or higher limits with enhanced benefits.
| If you are… | Choose… |
|---|---|
| Lower cost annual plan | Gold |
| Higher medical coverage | Platinum |
| Basic protection for frequent trips | Gold |
| Maximum protection and benefits | Platinum |
| Lower deductible & higher limits | Platinum |
Not sure whether to choose a Single Trip plan or an Annual Multi Trip plan? The right option depends on how often you travel and how long you stay abroad. Use the comparison table below from American Visitor Insurance to find the best fit for your travel style and coverage needs.
| Feature | Single Trip | Multi Trip (Annual) |
|---|---|---|
| Best for | One international trip per year | 2 or more international trips per year |
| Coverage period | 1 day to 182 days per trip | 364 days (up to 70 days per trip) |
| Number of trips covered | One trip only | Unlimited trips in 12 months |
| Maximum trip length | Up to 182 days (6 months) | Up to 70 days per trip |
| Plan options | Gold & Platinum | Gold & Platinum |
| Medical maximum | Up to $1,000,000 | Up to $1,000,000 |
| Emergency evacuation | Up to $500,000 | Up to $500,000 (Platinum) |
| Pre-existing conditions | Platinum plan | Covered |
| Primary plan required | Platinum plan | Required for both |
| Cost structure | Pay per trip | One flat annual premium |
| Best value when | Traveling once a year | Traveling 2+ times a year |
| Ages covered | 14 days - 95 years | 14 days - 95 years |
| Purchase requirement | Before departing the U.S. | Before departing the U.S. |
No. Most U.S. domestic health plans, including Medicare and Medicaid, offer little to no coverage outside the United States. Even employer-sponsored plans typically stop covering you at the U.S. border. BCBS Global Solutions international travel insurance is specifically designed to fill this gap covering emergency medical expenses, hospitalization, and evacuation anywhere outside the U.S.
Yes. BCBS Global Solutions plans meet Schengen visa insurance requirements, providing the minimum $50,000 in medical coverage needed for entry into Schengen zone countries in Europe.
No. The Multi Trip plan covers each individual trip for a maximum of 70 days. If your trip is longer than 70 days up to 6 months you need a Single Trip plan, which covers trips up to 182 consecutive days.
Yes. The Multi Trip plan covers unlimited international trips to any eligible country throughout the year each trip can be to a different destination, as long as it is outside the United States and not to a sanctioned country.
It depends on the plan. Single Trip Gold does not require a primary health plan making it accessible to travelers without domestic coverage. All other plans Single Trip Platinum, Multi Trip Gold, and Multi Trip Platinum require you to be enrolled in a qualifying primary U.S. health insurance plan such as an employer plan, Medicare Advantage, or ACA plan.
If you have a pre-existing condition and hold a primary U.S. health plan, you should choose either Single Trip Platinum or Multi Trip Platinum. Both fully cover pre-existing conditions including chronic illnesses like diabetes, hypertension, heart disease, and asthma. Gold plans do not cover pre-existing conditions and could leave you with significant out-of-pocket costs if your condition flares up abroad.