Your U.S. Health Insurance
Stops at the Border
What every Florida and Texas traveler needs to know about international coverage — and why waiting is a mistake.
By Orca Insurance Group • Winter Park, FL • (407) 379-1167 • See our Travel Insurance page
You’ve booked the flights. You’ve got the hotel, the itinerary, the excitement. But there’s one thing most Florida and Texas travelers forget until it’s too late: your U.S. health insurance doesn’t work overseas — and that includes Medicare.
At Orca Insurance Group, we offer HTH TripProtector — a comprehensive international travel and health plan underwritten by Nationwide Mutual Insurance Company. Here’s what you need to know before your next trip.
The Hard Truth About Your Health Insurance
Most domestic health plans provide severely limited — or zero — coverage outside the United States. If you’re on Medicare, you’re essentially uninsured the moment your flight leaves U.S. airspace. Original Medicare and most Medicare Advantage plans: no meaningful international coverage. Period.
Real-world scenarios without travel insurance:
- A broken leg in Italy — $30,000+ in hospital bills, all out of pocket
- An emergency appendectomy in Thailand — easily $15,000–$40,000
- A cardiac event on a cruise — medical evacuation alone can run $100,000–$200,000
- A trip cancellation due to illness — lose every non-refundable dollar you spent
What HTH TripProtector Covers
TripProtector goes well beyond basic emergency coverage. It’s built for the full range of things that can go wrong on an international trip:
Medical Coverage
- Emergency medical treatment abroad
- Prescription drugs while traveling
- Emergency medical evacuation
- Pre-existing condition coverage*
- No precertification penalty
Trip Protection
- Trip cancellation up to $50,000
- Natural disaster coverage
- Terrorism incident coverage
- Airline bankruptcy protection
- 24/7 mPassport app support
*Pre-existing condition coverage available on Classic and Preferred plans when enrolled within 14 or 21 days of initial trip deposit.
Three Plans. One Big Decision.
The Rule You Cannot Ignore
⚠️ Enroll within 14 days of your first trip payment (Classic) or 21 days (Preferred) to get pre-existing condition coverage.
After that window closes, pre-existing condition protection disappears completely. Book your trip and buy your travel insurance on the same day. Don’t wait.
Built for Florida and Texas Travelers
Florida and Texas are two of the most travel-active states in the country. Our clients fly to Europe, cruise the Caribbean, visit family in Latin America, lead mission trips, and study abroad. Whether you’re a retired couple from Winter Park planning a river cruise through Germany or a Dallas business traveler heading to Asia — TripProtector has a plan sized to your trip.
Perfect for:
- Retirees and seniors on Medicare
- Families on international vacations
- Cruises through multiple countries
- Mission and religious travel groups
Also great for:
- Business travelers heading abroad
- Students studying internationally
- Adventure travel and outdoor trips
- High-value tours requiring cancellation protection
Get Covered Before You Leave
Our team at Orca Insurance Group can walk you through your options and get you enrolled in minutes. Local, independent, no-runaround advice.
2335 Temple Trail, Suite 5 • Winter Park, FL 32789 • [email protected]
