Will I be covered when travelling outside of the United States?

Most health insurance plans do not cover medical care received outside of the United States. Even the few plans that do cover care overseas often have strict limitations. If you are unsure whether your current plan will cover you outside the US or what kind of restrictions may be in place if it does, contact your insurer.

When travelling abroad, it pays to be prepared. Other countries may have different policies regarding when and how one pays for care, and opting for an emergency trip back to the United States to receive treatment can be incredibly expensive. If you do not currently have health coverage that will work outside the US, consider buying supplemental travel insurance. It is inexpensive and is often bundled with trip cancellation insurance. It can be purchased directly from a company offering travel insurance or through a travel agent. When purchasing this type of insurance, look for a policy that will make payments directly to foreign providers and has support staff available 24/7 should you need help with a claim.

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