Will Health Insurance Cover You Overseas?

Thinking about health insurance is not the most exciting part of planning a trip overseas, but it is important to have adequate coverage. Health insurance like Medicare is typically limited to the U.S., but on the rare occasion that your insurance has benefits for traveling, they are usually limited to hospital expenses.

Check With Your Insurance Carrier

• Ask if your insurance policy covers any medical expenses abroad. If services are covered, clarify how payment to the medical provider overseas will occur.

Options for Travelers

• Numerous health insurance plans are designed specifically for travel overseas. Short- or long-term options with a range of coverage levels are available for individuals and families.

Evacuation Insurance

• Medical evacuation insurance, at a minimum, is recommended for traveling overseas. According to the U.S. State Department, the cost of being airlifted back can range from $10,000 to $50,000 as of July 2010.

Country Specifics

• Some countries require tourists to carry travel insurance, especially when a traveler is staying for an extended time. The U.S. State Department's website provides a list of countries with such requirements.

U.S. Consulate Services

• Embassies and consulate offices overseas are available to help U.S. citizens locate medical care, communicate with family, or transfer funds to cover medical expenses. All costs for those without travelers insurance, however, are the responsibility of the patient.