International Travel Medical Insurance

Does Medicare Cover Travel Outside the U.S.?

Original Medicare has nominal coverage outside the United States. Medicare defines “outside the U.S. as anything OTHER THAN the 50 states, Districe of Columbia, Puerto Rico, U.S. VIrgin Islands, Guam, American Samoa and the Northern Mariana Islands.

For more details review Medicare Coverage Outside the United States.

international travel medical coverage

International Travel Health Insurance

For many years I have recommended the Atlas Travel Insurance plan from Tokio Marine HCC. You can self enroll direct with the carrier.

Enrollment steps.

  • Choose coverage area – Worldwide EXCLUDING U.S.
  • Input start and end dates – see note below
  • Input birthdate(s)
  • Choose maximum and deductible

Coverage TERMINATES on the end date. There is no carry over provision. I suggest ADDING a few days on the tail end “just in case”. If your return is delayed for any reason you want to have coverage until your return to U.S. soil. Consider adding 2 days for every 7 days out of country.

Choose a deductible from $0 to $5,000. Most will pick $500 or $1,000.

Maximum amount of coverage limit of $50,000 to $2,000,000. For many, a limit of $100,000 or $250,000 should work.

Policies should start on the day of departure. You can let coverage end the day you are to leave and return home, but I suggest adding a few days on the back end.

Once your policy expires, there are no extensions of coverage.

International travel medical insurance plans include air ambulance, translation of medical records and repatriation of human remains.

More details on foreign travel health insurance and specimen policy here.

Click the link, enter your information, quote and apply.

It’s that simple.

Medicare Supplement and Travel Outside the U.S.

If you have Medigap Plan C, D, E, F, G, H, I, J, M or N, your plan:

  • Covers foreign travel emergency care if it begins during the first 60 days of your trip, and if Medicare doesn’t otherwise cover the care.
  • Pays 80% of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 deductible for the year.

Foreign travel emergency coverage with Medigap policies has a lifetime limit of $50,000.”

Atlas International Travel Health Insurance

The industry-leading Atlas Travel Series now includes many new benefits, services and features that make it a leading option for individuals and families who travel internationally.

The policy now includes a benefit to be used in case of Natural Disasters and expanded coverage for Incidental Trips Home. This innovative product also includes coverage for Acts of Terrorism, Political Evacuation, and Complications of Pregnancy. Non-US citizens traveling outside of the US will benefit from our updated rating structure. State of the art travel and emergency medical assistance services are part of every Atlas Travel Series plan.

In addition, the Atlas Travel Series allows you to extend and/or renew your coverage for up to 36 months. Click for details on the Atlas International Travel Medical plan.

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About boB Vineyard

Bob is dedicated to helping YOU find the right plan that fits YOUR needs and budget. Everyone that contacts us receives a free, no obligation phone consult designed to answer all your questions about the Medicare process. We then follow up with a detailed comparison of plans and rates based on what you have said is important to you. While others talk, we listen.

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