Travel medical insurance: do you need it?

Why it matters

Many U.S. health plans offer little or no cover outside the country, and U.S. Medicare generally does not cover care abroad. A hospital stay or emergency surgery overseas can cost tens of thousands of dollars.

Emergency medical vs. evacuation

• Emergency medical: pays doctor, hospital and prescription costs for sudden illness or injury.
• Medical evacuation: pays to move you to a suitable hospital or home, which can cost more than the treatment itself, especially from islands, cruise ships or remote areas.

How much cover

A common rule of thumb is at least $100,000 in emergency medical and $250,000 in evacuation cover for international trips, and more for remote or adventure travel. Primary cover (pays first) is easier to use than secondary cover (pays after your home insurance).

Check first

Ask your health insurer what they cover abroad, then fill the gaps. The State Department's insurance page has more background.

General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.

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