Where are you going?

Whether you want on-trip benefits only or same-day travel insurance, you can find it with Travel Med Go.

How our last-minute travel insurance can help you

Taking a spur-of-the-moment vacation? Want coverage that starts once you leave home? Our Travel Med Go plan may offer the safety net you’re looking for. Think of it as your travel toolkit for surprises as unexpected as your spontaneous trip!

If you want travel medical insurance …

Our Travel Med Go plan offers up to $50,000 emergency medical expense coverage.

See medical benefits

If you like having options …

You can add up to seven upgrades to our last-minute travel insurance, from rental car damage to additional medical.

Explore our upgrades

If you want coverage for emergency medical evacuations …

Our Travel Med Go plan offers up to $250,000 to help you get the medical care you need.

Unlock our upgrades

If you want 24/7 travel support …

Our assistance provider is always available to help, from finding a local doctor to emergency funds transfer.

See assistance benefit

Here's what you get with our

Travel Med Go plan

If you’re about to travel and realize you’ve forgotten to protect your trip, our Travel Med Go plan offers our best last-minute travel insurance. It’s designed for travelers who want on-trip travel medical insurance and more. Check out the benefits below.

Before you buy: Want pre-existing medical condition coverage, kids-included pricing, or access to our cancel for any reason upgrade? We only offer these on our top-tier Ultimate plan.

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Benefit	Benefit Limit
Emergency medical*	Up to $50,000
Emergency evacuation and repatriation	Up to $250,000
Trip interruption	Up to 100% of trip cost ($1,000 maximum)
Travel delay	Up to $500 ($200 per day maximum)
Baggage and personal belongings	Up to $1,000 ($500 per item limit)

Our plan benefits and coverage details	Travel Med Go
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.	$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.	$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.	$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.	$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.	$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.	$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.	$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.	$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.	180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.	Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.	$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.	$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.	Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.	Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.	All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.	21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.	Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.	Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.	Available (additional $250,000 for emergency medical expense only) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.	Available (provides coverage for certain additional activities not included in the base plan) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.	Available Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.	Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.	Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.	Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Our plan benefits and coverage details
Travel Med Go
Trip interruption and delay
Protects unused, prepaid, and nonrefundable expenses and additional transportation to join the departed trip or return home if your trip is interrupted for an eligible reason.
$1,000 maximum
Reimbursement for reasonable additional expenses — such as accommodations, local transportation, and meals — if your trip is delayed for an eligible reason.
$500 ($200 daily limit)
Reimbursement for reasonable additional lodging, meal expenses, and the prepaid, unused, and nonrefundable portion of the trip if you miss a connection for an eligible reason.
$300
Reimbursement for luggage and personal articles if your bags are lost, stolen, or damaged.
$1,000 ($500 per item limit)
Reimbursement for personal articles — such as reasonable additional clothing and toiletries — if your bags are delayed by a common carrier.
$500
Emergency evacuation and repatriation
Coverage for physician-ordered medical evacuation to a hospital or home if an injury or sickness occurs while traveling. Also includes coverage for repatriation of remains if you pass away while traveling.
$250,000
Emergency medical expense
Coverage for emergency medical treatment if you have a sickness or injury while traveling on an insured trip. Residents of NH have up to $50,000 in emergency medical coverage with the Ultimate plan. Residents of CT, IN, KS, MS, MT, VT, and WA have a $50 deductible.
$50,000
Coverage for emergency dental treatment if you’re injured while traveling on an insured trip. Residents of CT, IN, KS, MO, MT, VA, and WA have a $50 deductible.
$500
This represents the number of days to “look back” at changes in medical history and determine if a claim is related to a pre-existing medical condition. The days are counted backward from the day preceding the policy purchase date.
180 days Does not apply to NH residents
If you need to file a claim, your plan benefits will be used first as primary coverage. Our Essential plan provides excess medical coverage unless you’re a CT resident, in which case you’d have primary coverage.
Included
Accidental death and dismemberment
Coverage if you have an eligible loss, such as your life or a limb, as a result of an eligible injury while on an insured trip. Exclusions may apply. See policy for details.
$10,000
Coverage if you’re exposed to weather or disappear due to an accident that results in an eligible loss.
$10,000
Other benefits
If you need help while you’re traveling, our team of assistance experts is available 24/7 to help you with medical emergencies, language interpretation, prescription refills, and much more.
Included
The plan you choose will provide coverage for a trip length up to the number of days shown. It’s important to check that the plan’s maximum trip length will insure your entire trip or coverage may not apply.
Up to 60 days
We offer coverage for most U.S. states and international locations, excluding trips to, through, or from destinations sanctioned by Zurich Group or the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC). Please check the OFAC website and our travel alerts page for information on affected countries.
All domestic and international locations without Zurich Group or OFAC sanctions. For a list of our restricted destinations, please check our travel alerts page.
This is the number of days after purchasing your policy during which you may cancel your policy and receive a premium refund, as long as you have not departed or filed a claim. We count the date you purchase your policy as day one of your review period.
21 days
We provide coverage for certain sports and activities, including kayaking, horseback riding, and hiking. To include coverage for excluded activities, such as skiing or scuba diving more than 75 feet, consider adding our adventure activities upgrade.
Included, but limited to eligible activities (optional upgrade available for additional activities)
Optional upgrades
If you include this upgrade in your policy, you can have coverage up to $50,000 ($100 deductible) for collision, vandalism, windstorm, theft, hail, fire, or flood damage to your rental car while on your trip. This upgrade is not available in all destinations, including Costa Rica, Ireland, Jamaica, and Mexico. Please contact our customer service team at 1-800-228-9792 to check if coverage is available for your trip.
Available ($50,000 with $100 deductible)
If you include this upgrade in your policy, you can increase your emergency medical expense coverage limit by $250,000. Not available to NH residents.
Available (additional $250,000 for emergency medical expense only) Not available to NH residents
If you include this upgrade in your policy, you can have protection for the following activities that are excluded from coverage in our base plans: snow skiing, skydiving, parachuting, free falling, cliff diving, B.A.S.E. or base jumping, hang gliding, parasailing, travel on any air supported device other than a regularly scheduled airline or air charter company, mountain climbing, free climbing, scuba diving at a depth greater than 75 feet, and participating in underwater activities if the depth of the water is greater than 75 feet. This upgrade provides up to $10,000 coverage for an organized search & rescue by appropriate authorities, should you or a traveling companion become lost, disoriented, or missing during your trip. It also offers up to $100,000 coverage in case an event on your trip results in imminent physical danger to you and your traveling companions and you require additional accommodations, transportation, or extrication from your destination. This upgrade isn’t available to IL residents. Exclusions on activities listed above don’t apply to IL residents.
Available (provides coverage for certain additional activities not included in the base plan) Search and rescue: $10,000 Security evacuation: $100,000
If you include this upgrade in your policy, you can have coverage if you suffer from the permanent loss of life from an eligible injury while boarding, as a passenger on, or disembarking from an aircraft of a commercial airline or air charter company licensed to carry passengers for hire during a trip, up to the maximum eligible amount selected. This upgrade isn’t available to NH residents.
Available Limit options: $200,000, $500,000, or $1,000,000) Not available to NH residents
If you include this upgrade in your policy, you can have coverage if your trip is delayed for an eligible reason and you have extra pet boarding fees. Plus, if your pet traveling with you has a sickness or injury, you can have coverage for pet veterinarian expenses up to the maximum eligible amount. This upgrade isn’t available to NY and VA residents.
Available Pet care: $250 Pet veterinarian expense: $2,500
Reimbursement for expenses such as the cost of repairs if you cause accidental damage to your accommodations.
Available ($2,000)
Increase your benefit limit for lost or stolen baggage and add coverage for lost or stolen electronics and professional equipment. This also includes benefits for sporting equipment delay or rental if delayed by a common carrier.
Available (additional $4,000) Per item limit: $1,500 Electronic and professional equipment limit: $2,000 Sporting equipment delay limit: $1,500 Sporting equipment rental limit: $2,000

Important:

^* This coverage only applies to emergency medical expenses that first arise during your trip. You’ll have a $50 deductible if your primary residence is in Connecticut, Indiana, Kansas, Missouri, Montana, Vermont, or Washington. Residents of New Hampshire are eligible for up to $50,000 emergency medical and dental coverage with the Ultimate plan.

Why vacation with ourlast-minute travel insurance?

You can match your coverage to your trip and move forward with a team that understands the ups, downs, and surprises of travel.

Personalize your policy

With up to seven optional upgrades like adventure activities and rental car damage, you can add coverage to Travel Med Go that fits your travel needs.

Unlock our upgrades

25+ years’ experience

We’ve been helping our travelers have safer trips for decades — and we continue innovating with award-winning technology.

Meet our team

24/7 travel support

Our assistance provider is here for you whenever and wherever you need help — from travel document replacement to finding emergency medical care on vacation.

See our assistance benefit

Get to know our coverage a little bit more

From quick fixes to big solutions, our benefits and upgrades offer helpful tools for a smoother journey.

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Unpack our benefits

We’re here to help you turn “what-ifs” into “we got this”. Whether it’s a delayed bag or a medical need, our benefits pack the support you want if something goes wrong.

Show me the benefits

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Discover our upgrades

Help protect your travels your way — with extra support for your extra trip details. Whether you’re renting a car or skiing on snowy slopes, our Travel Med Go plan has up to seven upgrades you can add to your coverage.

Take me to the upgrades

Pack our Travel On app

Keep your policy in your pocket — and more. Travel safer with our app’s tap-to-call 24/7 assistance, destination information, and real-time safety alerts.

Quick tips for buying last-minute travel insurance and more

Want to be in the know before you pack Travel Med Go? Check out these guides.

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Need to calculate your trip cost?

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Want to know more about our last-minute travel insurance?

Let’s dive into the details so you know how Travel Med Go works — and how we can help care for you on your trip.

Yes, absolutely! We know life doesn’t always follow a schedule, and sometimes the best trips are the ones you book on a whim.

Our Travel Med Go plan is designed for this exact situation. You can purchase this last-minute travel insurance plan any time before you leave home to start your trip. This makes it a great option for spontaneous getaways or for those times when arranging travel protection slips your mind until the last moment.

We don’t offer a plan with medical benefits only — but if emergency medical coverage is at the top of your priority list, our Travel Med Go plan might offer the best last-minute travel insurance for your trip.

Travel Med Go takes medical-only travel insurance to the next level with:

$50,000 for emergency medical expenses
$250,000 for emergency medical evacuation
On-trip benefits like trip interruption, baggage protection, and 24/7 emergency assistance

Want more than $50,000 for emergency medical expenses? You can add our additional medical upgrade to our Travel Med Go plan to boost the benefit by $250,000 (that’s $300,000 total!). You can also choose our Ultimate plan for:

Up to $250,000 in emergency medical coverage
Up to $1,000,000 for emergency medical evacuation
Many more top-tier benefits, including eligibility for the same medical upgrade

Yes! You can include up to seven upgrades with our last-minute travel insurance:

Rental car damage
Adventure activities
Accidental death for air travel
Additional medical
Pet care
Rental property security deposit
Additional baggage

Want to get more info on each upgrade? Check out our upgrades page.

Yes, our Travel Med Go plan can keep up with many of your outdoor adventures. Many popular activities like snorkeling, skiing, and zip-lining are automatically included. This means you can add a little excitement to your trip knowing you have a plan that works for many common adventures you might decide to try.

Planning more high-adrenaline pursuits? You can add our adventure activities upgrade to our Travel Med Go plan. This add-on extends your plan's support to a wider range of activities, such as bungee jumping or scuba diving.

To see exactly which activities are included as standard and which ones require the upgrade, you can review the full details in the Travel Med Go description of coverage (you’ll see it when you get a quote). This way, you can match your plan to the specific adventures you have in mind.

Absolutely. Here's why our Travel Med Go plan offers solid coverage for cruise trips:

You can buy this plan early or get same-day travel insurance up until you leave home for your cruise.
Its coverage can come in handy in a variety of unique situations that can happen at sea or in different ports of call.
You’ll have 24/7 travel assistance as your shipmate throughout your cruise adventure.

With benefits for things like emergency medical costs and emergency evacuation, packing our Travel Med Go plan can help you relax and enjoy your time on the water or on land.

No, our last-minute travel insurance doesn’t offer coverage if you need medical care for your pre-existing conditions on vacation. But our Ultimate plan can!

Our Ultimate plan offers a pre-existing condition exclusion waiver — meaning you can have coverage for your chronic illnesses if you:

Buy our Ultimate plan within 21 days of your first payment for your trip.
Insure your full trip cost.
Ensure you’re medically able to travel when you buy your policy.

Yes, our Travel Med Go plan works great for both international and domestic trips! Its medical benefits can be a lifesaver (literally) in other countries where your U.S. health insurance likely won’t apply.

How last-minute can you buy our Travel Med Go plan when you’re planning to venture abroad? You can get our short-term medical insurance for international travel up until you leave home. This flexibility is great for spontaneous adventures or for times when you haven’t gotten to booking your plan until the last minute.

Packing our travel insurance for your trip means you’ll also have 24/7 travel assistance for unexpected issues no matter where you land. Whether it's medical needs or a delay along the way, you'll have support ready when you need it, which can be invaluable when you’re away from home.

Travel Med Go — our best last-minute travel insurance plan — is designed for on-trip protection because its benefits kick in after you depart. Unlike our Ultimate, Advantage, and Essential plans, it doesn't include pre-departure trip cancellation coverage.

If you're looking for a plan that helps with prepaid, nonrefundable costs if you have to cancel your trip before it starts for an eligible reason, you might want to look into our comprehensive plans.

If you’re set on our Travel Med Go plan, your purchase timing doesn’t affect the price. Whether you get our Travel Med Go plan well ahead of time or right before your trip, the price is based on things like your age, trip length, trip cost, and any upgrades you choose.

Compared to our Ultimate, Advantage, and Essential plans, our last-minute travel insurance plan Travel Med Go often costs less because it doesn’t include trip cancellation. Only you’ll know if you need cancellation coverage or not, but if you’re departing soon or buying last minute, it may not be a priority for you.

The amount you pay for our Travel Med Go plan depends on trip and traveler details like your age, trip length, and trip cost. You can find out your cost in just a minute with a free online quote.

Ready to start your quote? Scroll up to the quote box and enter your destination or hit the “Get quote” button.

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