On February 16, 2025 By newsroom Topic: Traveler buyers guide
If you’re traveling internationally, planning for potential health issues is critical, as your U.S. health insurance may offer limited coverage abroad. Here's how to navigate health insurance for overseas travel:
Check Your Health Plan:
- Coverage for overseas treatment is often limited or reimbursed at out-of-network rates.
- Medicare: Generally does not cover international care, though some Medicare Advantage and Medigap plans may include worldwide emergency coverage.
- Ask about exclusions (e.g., injuries from high-risk activities) and preauthorization requirements.
International Travel Health Insurance:
- Covers gaps in your existing policy.
- Typically excludes pre-existing conditions unless you purchase a waiver.
Be Prepared to Pay Upfront:
- Many foreign healthcare providers require payment at the time of treatment.
- Carry a credit card with a high limit to handle unanticipated medical expenses.
Compare Plans:
- Use platforms like InsureMyTrip, QuoteWright, or Squaremouth for tailored comparisons.
- Policies are less expensive for younger travelers or those choosing basic coverage.
Understand Costs:
- Comprehensive coverage for a 35-year-old might cost <$15 per week.
- Coverage for a 65-year-old, including medical evacuation and trip cancellation, ranges from $220 to $600+ weekly.
Medical Evacuation Insurance:
- Covers costly air ambulances ($20,000–$250,000) to transport you to quality care.
- Repatriation costs for returning to the U.S. with medical support can range from $10,000 to $50,000.
Carry Documentation:
- Get clear copies of bills, medical records, and discharge notes to streamline reimbursement.
Know Who to Call:
- U.S. Embassy: Can help locate local medical services and notify family if necessary.
- IAMAT & ISTM: Provide resources for finding local doctors and clinics.
With the right preparation, you can travel confidently, knowing you're covered for unexpected medical issues abroad.
