Planning surgery abroad is stressful enough without worrying about cancelled flights, lost luggage or an emergency evacuation. Below are five travel-insurance products that explicitly cover flights and related disruptions for medical-tourism trips, together with the key points you need to compare before you buy.
UnitedHealthcare Global – SafeTrip International Travel Medical Plus
Combines emergency medical cover (up to US $1 million) with trip-protection benefits that reimburse you for missed connections, flight delays, cancellations and lost baggage . There is no deductible, and the policy can be activated up to 24 hours before departure.
Global Protective Solutions (GPS) – Health Tourism in USA Complications & Travel Plan
Designed specifically for people travelling for planned surgery or dental work, GPS covers additional flight costs if a post-op complication forces you to change your return date . It also reimburses non-refundable tickets and hotels if the procedure is cancelled by the surgeon within 14 days of departure.
Pulse Globetrotter Medical Tourism Insurance (via Just Travel Cover)
This specialist policy bundles pre-planned treatment cover with standard flight protections: trip cancellation, delay, missed departure and baggage loss . Quotes are instant online, and coverage lasts from the outbound flight until 180 days after the procedure.
WorldTrips – Atlas Premium Travel Medical
Offers up to US $2 million in medical benefits plus US $1 million for emergency evacuation and generous flight-delay benefits (US $100–150 per day after a 6-hour delay) . Atlas Premium is popular with patients flying long-haul to Asia or Europe who want high limits and 24/7 multilingual assistance.
VisitorsCoverage – Comprehensive Trip Insurance Bundle
Sells policies that can be filtered for “medical tourism”; most plans reimburse 100 % of non-refundable flight costs if you cancel for a covered medical reason, and up to US $500 per day for meals and lodging if flights are delayed more than 12 hours .
Quick checklist before you buy
Confirm the policy covers the destination country and the exact procedure you are planning.
Verify that flight delay and baggage loss are included, not just medical expenses.
Check whether travel companions can be added to the same policy, often at a discount.
Look for 24/7 emergency assistance and direct-pay networks so you are not forced to front large sums mid-trip.
With one of these five plans in place, you can focus on healing while the insurer handles the turbulence—both medical and logistical.