Foreign travel in underwriting refers to applicant travel outside the home country that can affect mortality risk. Carriers evaluate destination, duration, frequency, purpose, accommodations, and medical contingency planning. Routine travel to low-risk countries is often insurable at standard classes; extended or frequent trips to high-risk regions may lead to ratings, exclusions, or postponement.

Advisors gather itineraries and purpose. Routine trips to low-risk countries are generally acceptable; prolonged stays in high-risk regions may be rated or postponed. Applications can be tied around travel or directed to traveler-friendly carriers.