Your health insurance policy will most likely cover medical expenses when you are on an international vacation. However, you may still want to buy a travel insurance contract abroad, as it can offer benefits that you would not have gained with regular medical insurance.
Most insurance policies will cover you for emergencies wherever you travel. Your share of the cost will probably be the same as if you were on the network even if you were not seeking treatment during emergency medical care. The insurance company does not expect you to drive to the nearest hospital network when you have just broken a leg or suffered a heart attack.
Medicare and some other home insurance policies do not provide coverage of any kind outside the country. You should read your contract to make sure there is coverage in any country you can travel to.
Regular care is rarely well covered when traveling internationally. Your plan may not provide routine care coverage when we do not use network medical providers. This makes sense because you can usually control or schedule when you need daily care.
Most of us are able to plan our holidays so that we do not need any routine health care while we are away from home. This is lucky because when we try to use a provider that is not a network for routine care, most insurance plans do not cover it or do not cover it well.
Some health insurance policies will cover the usual care when using off-network providers with a higher cost share. It may not be covered at all. You will probably pay more for care if covered.
If you have adequate health insurance and you are comfortable with the way it will pay if you have an emergency off-line health, you may not need to purchase a separate travel insurance policy to cover your medical bills. There may be other reasons you might want an international travel insurance plan.
The travel insurer may have more experience with claims outside the US. They may be able to handle mail in other languages, for example.
International travel insurance plans will often have emergency evacuation coverage. This means that if you can't get the care you need wherever you are, your policy can pay to get you home so you can get that care.
Travel insurance contracts are usually very cheap. This makes the idea that your state is safe while you are abroad is a tempting idea.
However, these plans should only be used as temporary insurance that complements normal coverage. Trying to save money by retiring from police custody while traveling abroad could set you off.
When you return home, your travel insurance plan will no longer cover you or cover you only for a short period after you arrive home. This means that you will need to apply again to get health insurance after you arrive home. There is no guarantee that your old insurer or any other company will accept you as insured.
It is better to have a moderate state health insurance policy than to have a large international health insurance contract and you may not have coverage when you return home. Therefore, it is usually wise to maintain your regular medical insurance while traveling abroad, whether you are purchasing an international travel plan or not. If you cancel your contract when traveling internationally, the insurance carrier may not be required to provide you insurance when you complete your trip.