Medical insurance for U.S. citizens traveling abroad.
If you open your passport to page two, you will see a warning
that says that anyone who is considering foreign travel should find out what
travel medical health insurance coverage, they will require while they are
outside the United States. For any US citizen going abroad, Medicare does not
cover the medical care costs outside the US and US territories, except in rare
cases in Canada and Mexico.
Even employer sponsored plans usually have limited overseas coverage, for emergency care only, provided you can prove the emergency.
Whether you are traveling on business or for pleasure, you
probably have gaps in your travel medical coverage that you are not even aware
Some hospitals, the world over do not provide treatment or
allow a discharge until they receive a guarantee of payment. In most cases, such
a guarantee can most easily be provided by your travel medical insurer.
In addition, in that pinch situation, your card must also
have a large enough credit limit to cover the estimated cost of medical care.
Local authorities usually have tie-ups with certain evacuation companies, which may not recognize either your credit card or your domestic insurance.
Most of the travel medical insurance plans, however, include medical assistance benefit giving you 24/7 access to a creditable evacuation company or will actually arrange for an evacuation through their own medical personnel.
If you feel that the provided cover is not enough, have your travel medical insurance cover increased before you ever leave home.
If you don't already have insurance, you know how difficult things can sometimes get. Think about how much worse it can be in a foreign and unfamiliar country.
Find and purchase a comprehensive, secure and worldwide travel medical insurance plan. Donít leave home without it.