When we’re traveling within the U.S., I don’t give much thought to insurance before the trip. I make sure to use a credit card that has good travel protections, and if I rent a car, I use a card that acts as the primary coverage in case there’s damage to the vehicle. For medical coverage, I’ll have my insurance card in my wallet in case I get sick or even worse if there’s some sort of emergency.
When traveling outside the United States, there are a bunch of things to think about. You need to reconfirm travel arrangements, make sure you have all the necessary travel documents and visas and arrange for your mail to be held, your pets to be looked after and everything else that goes through your head. It’s easy to forget that you should also be looking to buy a travel medical insurance policy for your trip.
That’s because even if your medical insurance reimburses you for expenses abroad, they will most likely be considered out-of-network charges with high deductibles and copays. If you have Medicare, you don’t have any coverage at all.
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