Americans need international travel medical insurance

Why do Americans need medical insurance abroad? If an American citizen becomes seriously ill or injured abroad, a U.S. embassy or consulate might help finding medical services and informing family or friends. According to the Department of State, they can also assist in the transfer of funds from the United States. However, payment of hospital and other expenses is the responsibility of the traveler.

First, know what medical services your medical insurance will cover overseas. If thie answer is nothing, go shopping for international health insurance. If your health insurance policy does provide medical insurance worldwide (or at least wherever you’re going), carry both your insurance policy identity card as proof of such insurance and a claim form.

Also check on medical evacuation insurance: many health insurance companies will pay “customary and reasonable” hospital costs abroad, very few will pay for your medical evacuation back to the United States. Medical evacuation can easily cost $10,000 and up, depending on your location and medical condition.

Much of this travel medical insurance information was taken and adapted from the US Department of State.

Filed Under: International travel medical insurance

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