Does Your Health Insurance Cover You Outside the U.S.?

File the health insurance claim form with a pen

Learn what medical services your health insurance provider will cover overseas.  Although some health insurance companies will pay “customary and reasonable” hospital costs abroad, very few will pay for a medical evacuation back to the United States, which can easily cost up to $100,000, or even more, depending on your condition and location.  Regardless of whether your insurance is valid overseas, you may be required to pay for care when you receive it.

If your insurance policy does not cover you abroad, consider purchasing a short-term policy that does.  Many travel agents and private companies offer insurance plans that will cover health care expenses incurred overseas including emergency services such as medical evacuations.

December 13, 2014

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