Plan Smart. Travel Confidently.
From Paris to Patagonia, every trip has its share of surprises — some delightful, others expensive.
Whether you’re exploring Europe, cruising the Caribbean, driving through Mexico, or trekking into remote regions, the right travel insurance turns “what-if” into “I’m covered.”
Europe Travel Insurance Requirements & Common Risks
Schengen Visa Requirements
If you’re traveling to Europe, check whether you need a Schengen Visa. Many travelers must show proof of travel medical insurance that includes:
- Minimum coverage of €30,000 (≈ $33,000 USD)
- Coverage for emergency care, evacuation, hospitalization, and repatriation
- Validity across all 26 Schengen nations
TME Travel Insurance offers two Comprehensive Trip Protection Plans and a Travel Medical Plan that meet Schengen standards.
Even if a visa isn’t required, $50,000–$100,000 in coverage is smart protection against Europe’s notoriously high healthcare costs.
Common European Travel Risks
- Flight delays and cancellations due to unpredictable weather
- Pickpocketing in major tourist cities like Paris, Rome, and Barcelona
- Ski injuries or accidents in the Alps
TME Tip: Consider the TME Elite Plan for premium protection, including:
- $100,000 in emergency medical expense coverage
- Reimbursement for pre-paid lift tickets if 50%+ of trails closed (Dec 1–Mar 31)
- Coverage for pre-paid golf rounds canceled or delayed over 3 hours due to weather
Caribbean & Cruise Travel Insurance
Why Coverage Is Essential
Several Caribbean destinations now require proof of medical coverage for entry as well. Even where optional, travel insurance is crucial — in addition to hurricane season (June–November), when weather disruptions occur, some island hospitals may have limited medical capabilities as well.
Key Caribbean Travel Insurance Benefits
- Trip Cancellation & Interruption – protect your prepaid accommodations and excursions from a number of perils that can occur such as an accident or illness, loss of job, a family member passing away and more.
- Trip Delay & Missed Connection – reimbursement for weather-related delays or missed sailings
- Medical Evacuation Coverage – essential for some islands with hospitals that may be limited in the level of care they can provide
TME Travel Insurance provides coverage for cruises, island stays, and multi-destination itineraries, so your tropical getaways are relaxing — even if the weather doesn’t cooperate or some other unexpected event occurs.
Mexico Travel Insurance: Smart Protection for Every Traveler
Why You Need It
While Mexico doesn’t require travel insurance, most U.S. health plans offer limited or no emergency medical expense coverage abroad.
A travel medical plan protects you from costly medical bills, emergency evacuations, plus lost or stolen luggage — especially if you’re adventuring outside major cities.
Key Coverage Features
- Emergency Medical & Evacuation Benefits
- Trip Cancellation & Interruption
- Baggage & Theft Protection
Common Travel Risks in Mexico
- Water-sport or adventure injuries
- Theft in tourist zones
- Car accidents (remember, Mexican auto liability insurance is mandatory)
TME Tip: Driving to Mexico? Visit Mexico Insurance Online, a trusted auto insurance provider for U.S. and Canadian travelers driving south of the border.
Remote Travel Insurance: Protection Beyond the Beaten Path
Why It Matters
Heading to Patagonia, the Himalayas, or on an African safari? Remote destinations often mean limited medical facilities. A strong travel insurance plan with emergency medical expense, air evacuation with repatriation coverage and 24/7 assistance services can be the difference between having peace of mind and a logistical nightmare.
Key Remote Travel Insurance Benefits
- Air Evacuation & Repatriation for medical emergencies
- Trip Interruption coverage for severe weather or transport breakdowns
- 24/7 Global Assistance Services
TME Tip: Every TME Travel Insurance plan includes 24/7 Global Assistance — from medical coordination and legal referrals to emergency cash transfers, translation services, and lost-document help. Wherever you are, we’re only a call away.
Travel Confidently with TME Travel Insurance
Whether you’re skiing the Alps, cruising the Caribbean, exploring ancient ruins in Mexico, or hiking off-grid, TME Travel Insurance protects your health, your plans, and your peace of mind.
Choose a trip insurance that works for you — and travel confidently, wherever your travels take you.
Bonus Read: Essential International Travel Planning Tips
Before you head abroad, check out our article on Essential International Travel Planning Tips to learn more about:
- How to verify visa requirements for your destination
- How to enroll in the U.S. State Department’s STEP Program for travel alerts and embassy support
- Why your passport must be valid for at least six months beyond your return date