Travel Medical Insurance
Travel Medical Insurance
Medical travel insurance provides coverage for unexpected medical emergencies during your travels. Please note that most individual health insurance plans do not provide coverage outside the U.S. in any circumstance. However, it’s important to note that Medicare limits coverage outside the United States to the following:
- Medicare won't pay for health care services you get when a ship is more than 6 hours away from a U.S. port.
- You're in the U.S. when a medical emergency occurs, and the foreign hospital is closer than the nearest U.S. hospital that can treat your medical condition.
- You're traveling through Canada without unreasonable delay by the most direct route between Alaska and another U.S state when a medical emergency occurs, and the Canadian hospital is closer than the nearest U.S. hospital that can treat the emergency
- You live in the U.S. and the foreign hospital is closer to your home than the nearest U.S. hospital that can treat your medical condition, regardless of whether an emergency exists.
Please note that some Medicare Advantage plans do provide worldwide coverage and we can help you review your coverage and make that determination.
Having a medical travel policy can be affordable protection that gives you peace of mind that your health care expenses will be covered while traveling.
Domestic vs. International Travel Insurance
It is important to confirm if your health insurance plan provides coverage internationally. Group plans traditionally cover you, and Affordable Care Act individual health plans do not.
Be aware of travel coverage limits with Medicare
While Original Medicare does not provide protection for traveling abroad, Medicare Supplements can provide limited coverage and some Medicare Advantage Plans provide worldwide coverge. It’s vital to check the specifics of your plan before traveling. If you need help, give us a call, we’d be happy to look at your policy and let you know!
Benefits of Travel Insurance
Benefits of Travel insurance
What Will a Good Travel Medical Policy Do for You?
~Source: geobluetravelinsurance.com
