Travel insurance can feel overwhelming — but it doesn’t have to be. At TME Travel Insurance, we’ve simplified the process by offering three smart, flexible plan types that fit every kind of traveler. Whether you’re heading to your second home for a few weeks, checking off bucket-list destinations, or traveling the globe all year long, we’ve got you covered.
Here’s a quick breakdown to help you choose the plan that’s right for you:
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1. Emergency Medical Evacuation Only Plan
Let’s start with the essentials. This stand-alone Emergency Medical Evacuation Plan is designed to get you home if a serious medical emergency strikes while you’re traveling. It covers the cost of medically necessary transportation back to your hospital of choice — a service that can easily top $100,000 or more.
Best for:
• Travelers heading to a second home or timeshare
• Those who already have solid international health insurance
• Anyone with minimal or no prepaid travel expenses (airfare, hotels, cruises)
Need-to-know: You can purchase this policy for a single trip or opt for an annual plan if you travel frequently.
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2. Travel Medical Plan (with Evacuation)
The Travel Medical Plan goes a step further than evacuation only coverage by also adding coverage for emergency medical expenses due to unexpected illness or injury abroad. Most U.S. health plans — including Medicare — offer limited or no international coverage, so this plan fills a critical gap.
Best for:
• Travelers without any non-refundable trip costs
• Those seeking coverage for medical emergencies to reimburse out of pocket costs when traveling out of network or abroad
• People without existing international health coverage
Flexible options: Buy it for a single trip or get annual multi-trip coverage if you’re always on the move.
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3. Comprehensive Trip Protection Plans
If you want all-in-one coverage and maximum peace of mind, this is the plan for you. Our Comprehensive Trip Protection Plans bundle together everything you need: trip cancellation and interruption, medical expense coverage and medical evacuation, baggage loss or delay, missed connections, and much more.
Best for:
• Travelers with prepaid travel expenses they want to protect
• Anyone who wants protection for both medical and travel-related issues
• Those looking for optional upgrades like Cancel for Any Reason (CFAR)
TME offers three tiers of this plan:
✅ Choice (good)
✅ Preferred (better)
✅ Elite (best — optional CFAR if purchased within 14 days of initial trip deposit)
Pick the one that best fits your budget and coverage needs.
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TME Pro Tip:
If your trip includes non-refundable costs — flights, cruises, tours, hotels — then a Comprehensive Trip Protection Plan is likely your best bet. If a travel supplier offers coverage just for a portion of the trip, like a cruise, an excursion or one accommodation but not the next, you typically end up with gaps in coverage or missing benefits that fall short of your overall needs. A comprehensive trip plan can cover all aspects from departure until return in one plan typically costing you less and providing more in coverage. Around 80% of all travelers choose this type of plan!
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Enhancing Peace of Mind – all plans also include Travel Assistance Services, which can be extremely helpful should you lose your passport or travel documents, need to refill a lost prescription or eyeglasses, need a doctor or legal referral, emergency translation services, emergency cash advance and much more.
Still Unsure Which Plan to Select?
If you’re not sure which policy fits your trip, don’t worry —we’re here to help. At TME Travel Insurance, our mission is to give you peace of mind every step of the way, so your next adventure is as stress-free as it is unforgettable. Contact your agent or TME Travel Insurance to assist in finding you the plan that fits your needs.