· Some countries require proof of appropriate travel medical insurance for entry, check with the embassy of the country you are traveling to for their current requirements.
· We would suggest that at minimum the insurance cover hospitalization for all causes and medical evacuation in an air ambulance.
· Most domestic Medicare insurance will not cover medical expenses in another country. Even if your private medical insurance includes coverage for care overseas, overseas medical facilities may not accept insurance papers or cards but require cash payments for services. Do not argue, pay the money, get the care and keep all your bills to submit to your insurance company once you return home.
· Private medical insurance may not cover cost of medical care overseas, you need to clarify it with your provider and have it in WRITING. Having spoken to Jane or John Doe does NOT matter, they usually say yes to anything to get you off the phone.
· Importantly, medical evacuation may not be included in your private medical insurance unless specifically included in the policy. Clarify this with your current medical insurance carrier and have it in WRITING.