Does Medicare Cover my Health Expenses While I Travel in a Foreign Country or Should I Buy Supplemental Health insurance Designed for Travelers?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Aug 13, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

In most situations, Medicare won’t pay for health care or supplies—including dialysis and prescription medicines—obtained outside the United States. However, Medicare may cover some medically-necessary health care services you get on a cruise ship if the ship is of U.S. registry which few are.

Some Medigap (supplemental health insurance) plans pay a portion of the billed charges for certain medically-necessary emergency services outside the U.S. You must have already met your deductible for the year and the medical care must occur during the first 60 days of your trip. Consult your plan for specific coverage details.

Other private medical insurance policies may reimburse you for medical expenses while away, but it is critical for you to check with your insurer before you go. You might consider purchasing private health insurance specifically designed to cover foreign travel if you find that your current plan does not provide adequate coverage and if you are worried about paying for emergency medical care while abroad.

Whichever insurance policy you are relying on, always read all of the fine print in the contracts to determine the deductibles and the dollar limits on coverage. If you do purchase travel insurance, do so through a third party rather than from the cruise line or tour operator. Some credit card companies also provide free travel insurance if you use the card to book your trip.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption