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Short-Term & Travel Insurance
Between plans or leaving the country?
Don't leave your health to chance.
Short-term health plans bridge a gap in coverage. Travel medical plans protect you when your health plan stays home. We’ll help you choose the right one, and tell you honestly when you need something else.
Quick Match
Which coverage fits your situation?
Between jobs, waiting for new coverage
Missed open enrollment
Traveling outside the U.S.
Family visiting from abroad
Sound Familiar?
A gap in coverage
is a gap in protection.
One ER visit without coverage can cost more than a year of premiums. A short conversation can make sure you’re never exposed.
The problem
Your new job's coverage doesn't start for 60 days.
How we fix it
A short-term plan that bridges the gap until it does.
The problem
You missed open enrollment.
How we fix it
We check for a Special Enrollment Period first, then short-term options if you don’t qualify.
The problem
Your health plan doesn't travel with you.
How we fix it
Travel medical coverage for emergencies abroad, including evacuation.
The problem
Family is flying in from overseas for a visit.
How we fix it
Visitor medical plans so an emergency doesn’t become a five-figure bill.
Your Options
Short-term needs.
The right kind of coverage.
Bridge a gap
Short-Term Health
Temporary medical coverage for when you’re between jobs, waiting for a new plan to start or otherwise without insurance for a short time.
Length
Limited by federal and state rules
Approval
Based on health questions
Best for
Healthy people with a short gap
Tip
Short-term plans aren't Marketplace plans. If you qualify for a Special Enrollment Period, a Marketplace plan is often the better choice.
Leaving the U.S.
Travel Medical
Covers emergency medical care while you travel abroad, plus medical evacuation if you need to get to a hospital or home.
Length
Your trip dates
Covers
Emergencies, hospital, evacuation
Best for
Vacations, cruises and business trips
Tip
Many U.S. health plans offer little or no coverage outside the country. Check yours before you go.
Protect your trip
Trip Protection
Reimburses prepaid, non-refundable costs if you have to cancel or cut a trip short for a covered reason, like illness or a family emergency.
Covers
Cancellation, interruption, delays
Buy
Soon after you book
Best for
Big trips and cruises
Tip
Some benefits are only available if you buy within a set number of days after your first trip payment.
Visiting Florida
Visitor Medical
Medical coverage for parents, relatives and guests visiting from other countries, who usually aren’t covered by U.S. health plans.
Length
The length of the visit
Covers
Doctor visits, ER, hospital
Best for
Family visiting from abroad
Tip
Buy before your guests arrive. Most visitor plans don't cover conditions that start before coverage begins.
Know Before You Buy
Short-term health is a bridge,
not a destination.
We’d rather you have the right coverage than the easiest sale. Here’s the honest picture.
Good for
When it makes sense
- A short gap between jobs or plans
- Waiting for employer coverage to begin
- Healthy people who don't qualify for a Special Enrollment Period
- Lower premiums for basic emergency protection
Watch for
What it doesn't do
- It isn't Marketplace coverage and doesn't qualify for tax credits
- It can decline you or exclude pre-existing conditions
- It may not cover prescriptions, maternity or mental health care
- It isn't meant to replace long-term health insurance
Tip
Lost your job or coverage recently? You may have 60 days to enroll in a Marketplace plan, often with savings.
Before You Travel
Three things to do
before you pack.
Check your current plan
Find out what your health plan covers outside the U.S., if anything.
Buy before you leave
Travel plans need to start before your trip. Trip protection is best bought soon after booking.
Save the numbers
Keep your ID card and 24/7 assistance line on your phone and in your bag.
FAQs
Short-term and travel questions,
answered.
Is short-term health insurance the same as a Marketplace plan?
No. Short-term plans don’t have to follow the Affordable Care Act’s rules, so they can limit benefits and exclude pre-existing conditions. They’re designed to fill a temporary gap.
Can I be turned down for a short-term plan?
Yes. Short-term plans usually ask health questions and can decline coverage or exclude certain conditions. We’ll tell you up front what to expect.
How long can a short-term plan last?
It depends on federal and state rules, which have changed in recent years. We’ll explain what’s available in Florida today.
Does my health insurance cover me outside the country?
Many U.S. health plans offer little or no coverage abroad, and few cover medical evacuation. Check your plan before you travel, or ask us to.
Can I buy coverage for relatives visiting from another country?
Yes. Visitor medical plans cover guests while they’re in the U.S. It’s best to buy before they arrive.
Keep Exploring
More ways to protect
you and your family.
Health Insurance
On and off Marketplace plans, explained and compared.
Supplemental Insurance
Accident, critical illness and hospital coverage that pays you cash.
Dental & Vision
Plans that cover what health insurance doesn’t.
Free Coverage Review
Covered for the gap.
Covered for the trip.
Tell us where you’re headed or how long you need coverage. We’ll find the right plan, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.