International Health & Travel Medical Insurance (2024)

FAQs

Which health insurance is best for international travel? ›

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

International health insurance is designed to provide a comprehensive level of health care to those relocating from their home country for a sustained period of time, whereas travel insurance provides cover for emergency treatment while you are in another country for a shorter space of time.

How Much Does International Health Insurance Cost? International health insurance can cost you anywhere from $200 to $900 per month— with an average of $500. However, your international health insurance can vary depending on the following factors: International or local.

Stand-alone travel medical insurance may be able to cover unexpected costs that your health insurance won't. Elina Geller is a Lead Travel Writer at NerdWallet specializing in airline and hotel loyalty programs and travel insurance.

The nearest US embassy or consulate can help travelers locate medical services and notify your friends, family, or employer of an emergency. They are available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, DC (888-407-4747 or 202-501-4444).

United Healthcare recommends travel medical insurance for all travelers, particularly: Families with children. Anyone visiting a country that speaks a different language. People with chronic conditions.

Be aware that you will likely have to pay out of pocket for any medical treatment, even if your insurance company provides international health care coverage. A visit to the emergency room can be free or cost only a nominal fee, or it can be expensive, depending on where you are and what treatment you need.

What countries accept US Medicare? ›

Medicare does not pay for medical services you receive outside the United States.

What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.

An international medical insurance plan can be your lifeline if something happens while you are abroad and you need to seek treatment for an illness or emergency. For most countries, coverage may also be required to get a visa (if you need one) – in many cases, you must show proof you have adequate health coverage.

If you need medical care outside the U.S, Puerto Rico, and the U.S. Virgin Islands you can rest assured that the Blue Cross and Blue Shield Service Benefit Plan offers worldwide coverage. Through the Overseas Assistance Center, you're covered when working or traveling overseas.

Your Compass Rose Medicare Advantage Plan covers care even when you're traveling outside the United States just as if you were in the United States. UnitedHealthcare will reimburse you for any covered services or prescriptions you may need while traveling minus any copays that may apply.

Without this coverage, you are responsible for any medical expenses. The average cost of travel insurance is between 5% and 10% of the total price of your trip. This can be worth it for the medical benefits alone when traveling in Europe.