Most of our clients are concerned about medical coverage while traveling abroad. We always recommend the purchase of a good Travel Protection policy which includes coverage in case of illness or accident. The Travel Protection (Travel Insurance) policy provides peace of mind for you in case you need medical attention during your trip.
Select International Tours and Cruises offers an excellent policy through Travel Insured. Please refer to your trip page for details or call us at 800-842-4842.
Many travelers will call us to ask if they are covered by their current health insurance policy or Medicare. We recommend you call your insurance to clarify coverage. However, sometimes the information about coverage is confusing and even conflicting.
According to Medicare.gov, Medicare usually doesn’t cover health care if you need it when traveling abroad.
Here is the link to Medicare.gov which addresses the issue of coverage during international travel. https://www.medicare.gov/coverage/travel
You may purchase a Medigap policy which will cover you during international travel. Here is the link to the information you may find useful.
Important to Remember: Most foreign-based medical service providers will want to get paid on the spot. They will provide the paperwork for you to file a claim when you return but they will not do this work for you, nor will they be willing to wait for payment, so be sure you have a credit card you can use for emergency medical expenses.
Be sure to get copies of all your medical records from the medical service providers abroad as well as copies of all invoices and payments. Upon return to the USA, it is important to share your medical records with your doctor and file a claim with Medicare or another insurance company if you have a different policy or supplemental coverage. They may deny it but the system is so confusing it is worth a try.
The travel company cannot advance funds for any medical service!