Q: Do I need special health insurance when traveling abroad?
A: Most health insurers – including Original Medicare – don’t cover medical costs incurred outside the country.
Some insurance policies do (including some Medicare Advantage plans), but with limitations. Definitely, ask your current insurer whether your policy covers you and your family while traveling abroad.
If not, consider supplemental travel insurance, available for as little as a few dollars a day. It’s often bundled with trip cancellation insurance and can be purchased directly from suppliers or through travel agents and tour companies. The U.S. State Department provides a list of companies that offer travel insurance.
Travelers may be surprised to find that payment for medical care can be required on the spot and, in some countries, even before treatment. Medical evacuation back to the U.S. can cost as much as $100,000. That’s why the State Department recommends looking for medical policies that guarantee payments abroad, pay directly to foreign hospitals and foreign doctors, and have a 24-hour support center.