International Health Care Travel Insurance
Most people think they are covered if they already have existing health care insurance. Within the United States, that’s true. Outside the U.S., however, is a big IF.
In some cases, your insurance won’t even cover you if you’re traveling on a foreign-flagged vessel. This is a huge red flag, since most cruise ships, even those cruising U.S. waters, are not flagged in the U.S. And in many cases, even if you are covered for basic emergency care overseas (again, a big IF), in almost all cases, your current health insurance does NOT cover you to evacuate you and repatriate you back to the U.S.
There’s one more reason for getting coverage: If you’re in a foreign country, particularly a developing country, many hospitals will admit you without caring about coverage, but they won’t let you leave until you pay.
International Travel insurance can help facilitate payment, and act as an advocate so that you’re not overcharged because you’re an American.