Do I Need Special Health Insurance When Traveling Abroad?
Travelers are not required to have special health insurance, but the U.S. Department of State strongly recommends international travelers invest in health insurance covering the duration of their stay abroad.
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Considerations
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Many Americans will require medical assistance while traveling. While select insurance companies will cover "customary and reasonable" medical costs incurred in foreign nations, most will not cover hospital expenses abroad.
Coverage
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Travel Medical Insurance, which covers travelers needing medical attention while abroad, can come from several different companies listed on the U.S. Department of State website at http://travel.state.gov/travel/cis_pa_tw/cis/cis_1470.html.
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Documentation
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Americans should carry proof of Travelers Medical Insurance and a U.S. passport with completed emergency information. Individuals with medical conditions should also travel with a physician's note describing the condition and any medications with which they travel.
Uninsured Costs
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Without Travelers Medical Insurance, it is the sole responsibility of the traveler to pay for medical services rendered abroad. Payment may be required before care is given. An officer of the U.S. consulate can aid travelers in the transfer of funds to pay for medical expenses.
In Case of Emergency
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The U.S. Department of State suggests that all travelers register with its office before leaving the country, which will allow the government to alert your family should there be an emergency while you are abroad.
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