Does Medical Insurance Cover You Overseas?
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Asked May 23, 2011
Whether or not your health insurance will extend to protect you when you travel out of the country depends on the insurance plan you belong to, and the company issuing the coverage. Some plans do provide overseas coverage, but they may place unrealistic limitations on what you are covered for and the services you are entitled to.
Just as importantly, many overseas health care facilities may not honor your health insurance plan. Unless your insurance company is recognized in the country you travel to, even the best U.S. health insurance could turn out to be useless in an emergency. Before you set out on your travels, contact your insurance company and find out whether your coverage can be extended to that country.
The best advice is to purchase international health insurance coverage. This type of coverage works in most industrialized nations, and includes such things as medical evacuations, an item that is rarely if ever covered by ordinary health plans. International health insurance can be purchased for a specific time frame, and is generally more beneficial to overseas travelers. Most major insurance providers offer supplemental health insurance for overseas travel, protecting you and your family for most health needs while you are away from home.
Answered May 23, 2011 by Anonymous