Travel Insurance for Medicare Beneficiaries

Protect Your Health and Finances While You Travel

Why You May Need Travel Insurance

Medicare doesn’t travel with you.


Original Medicare typically doesn’t cover medical care outside the U.S. That means one accident or illness abroad could result in huge out-of-pocket costs — unless you have the right protection.

  • Emergency medical care outside the U.S.
  • Coverage for international hospital stays
  • Medical evacuation and transport
  • Trip interruption or cancellation (optional)
  • Works with Original Medicare or Medigap

Travel insurance helps you enjoy your trip with peace of mind.

Who Should Consider Travel Insurance?

Anyone on Medicare planning a trip outside the U.S.


Whether you’re going on a cruise, visiting family overseas, or planning a bucket-list adventure, don’t assume your coverage goes with you.



  • Medicare beneficiaries traveling abroad
  • Snowbirds heading to other countries part of the year
  • People with Medigap Plans C, D, F, G, M, or N
  • Frequent travelers or international volunteers
  • Anyone concerned about emergency coverage outside the U.S.

Before you take off, let’s make sure you’re fully protected.

Questions?

  • Does Medicare cover me when I travel outside the U.S.?

    Original Medicare does not cover most medical care outside the U.S. Some Medigap plans offer limited emergency coverage abroad.

  • What does travel medical insurance cover?

    Travel plans can cover emergency care, hospital stays, evacuations, and even trip interruptions or delays.

  • Can I get coverage just for one trip?

    Yes — single-trip policies are available and very affordable.

  • Do I need travel insurance for cruises or mission trips?

    Yes — especially if you’ll be outside U.S. territory, travel insurance is strongly recommended.

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  • Can I still choose my doctor while traveling?

    Most travel plans offer flexibility and access to global medical networks, but it depends on the carrier.