International Travel Insurance
Review travel medical, evacuation, trip, and destination-specific coverage outside the United States.
Medicare outside the U.S.
Original Medicare usually does not cover treatment outside the United States except for narrow situations. Medicare’s official travel page spells out those exceptions. An Advantage member must check the specific plan for travel and emergency terms.
Official source: Medicare: Travel outside the U.S. ↗ · Medicare: Evidence of Coverage ↗
Medigap is limited
Some standardized Medigap letters cover 80% of a foreign-travel emergency benefit up to policy limits; Plans A, B, K and L have no foreign-travel emergency benefit in the federal comparison chart. Verify waiting periods and lifetime limits in the issued policy.
Official source: Medicare: Medigap plan benefits ↗ · Medicare: Medigap coverage ↗
Compare separate travel terms
A private travel policy may address emergency medical claims, evacuation or trip disruption, but none of those benefits can be assumed. Examine exclusions, maximums, destination rules and claims procedures in its own certificate before departure.
Official source: Medicare: Travel outside the U.S. ↗