Retirees often dream of traveling the world, but few realize that health insurance doesn’t always follow them abroad. Once you cross the U.S. border, much of your coverage may disappear, leaving you vulnerable to unexpected bills. Many travelers think their benefits extend anywhere, only to find out after an emergency occurs that health insurance pays little or nothing overseas. Knowing these limits before packing your bags can save thousands of dollars and prevent heartbreaking financial surprises. If you’re planning on exploring internationally, it’s time to double-check what your plan actually covers.
Original Medicare stops at border
Medicare Part A (hospital insurance) and Part B (medical insurance) generally do not cover care outside the United States or its territories. Exceptions are rare, such as if you are traveling through Canada between Alaska and another state and need emergency treatment at a Canadian hospital. If an emergency occurs and a foreign hospital is closer than a U.S. hospital, another limited circumstance applies. Beyond these narrow rules, you will be responsible for your own expenses. Many retirees make the mistake of thinking “health insurance goes with them” only to face full bills abroad.
Medigap plans can help, but only temporarily
Some Medigap (Medicare Supplement) plans, such as Plans C, D, F, G, M, and N, cover 80% of emergency medical expenses abroad, up to a limit of $50,000, and coverage stops within 60 days of leaving the United States. Even then, you must pay the first $250 of your deductible before reimbursement. These rules mean long-term travelers or snowbirds who spend months overseas need extra protection. Without it, a single emergency can wipe out retirement savings.
Medicare Advantage plans vary widely
Medicare Advantage (Part C) plans are issued by private insurance companies and may include some international coverage, but the details vary by plan. Some only cover emergency care abroad, while others offer broader benefits through global partnerships. It’s important to read your plan’s evidence of coverage before traveling. Don’t assume your card guarantees payments outside the U.S.—coverage may be limited, and reimbursement may require upfront payment.
Prescription drug coverage may not cross borders
Part D drug plans typically only cover drugs purchased in the United States. If you need a refill while overseas, you will need to pay for it out of pocket. It is crucial to bring enough medication for the entire trip, but some countries have import restrictions on certain medications. Always carry the original clearly labeled bottle of prescription medication and a copy of your doctor’s note. Medicare will not reimburse supplementary expenses abroad, so planning ahead can prevent medical and legal problems.
Travel insurance is the missing link
To fill this gap, experts recommend purchasing travel medical insurance that covers emergency care, hospitalization, and medical evacuation. Policies vary, but even a basic plan can protect against catastrophic expenses — an air ambulance evacuation can cost more than $100,000. Look for coverage that covers pre-existing conditions and is consistent with your destination’s health care system. For people who travel frequently, an annual policy may be more cost-effective.
What to expect after a medical emergency abroad
If you are hospitalized overseas, you may need to pay up front—foreign hospitals rarely bill U.S. insurance companies directly. Keep detailed receipts and medical documentation for later reimbursement through Medigap or travel insurance. Please contact the U.S. Embassy for assistance in locating nearby medical facilities and coordinating with the family. After returning home, notify your health insurance provider immediately to discuss possible claim options, although coverage is usually minimal.
Being prepared before you go can reduce stress later on
Before traveling internationally, review your Medicare summary notice, Medigap plan, and any Advantage plan documents. Please contact your insurance company for written instructions regarding foreign coverage. If needed, purchase supplemental travel insurance and save all your policy contacts on your phone. Carry a printed list of medications, allergies and emergency contacts. Being proactive ensures that a medical accident doesn’t ruin your adventure.
Inner peace is worth going the extra mile
International travel should be exciting, not stressful. Knowing your coverage limits and supplementing wisely can turn risk into peace of mind. Health insurance may stop at the border, but being prepared can help you stay protected no matter where you live.
Have you ever experienced a medical emergency while traveling abroad? How did your insurance company handle it—and what would you do differently next time? Share it below.
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