Insurance Providers for Overseas Coverage

The U.S. government does not provide insurance for U.S. citizens overseas. We do not pay medical bills or unexpected cost. We highly recommend that you purchase insurance before you travel. Please review the country information page for your destination before you travel. For more information on health, visit our page on Your Health Abroad.

Before you go, consider your insurance options.

  • In general, Medicare and Medicaid do not cover medical costs overseas.


Medical Evacuation Insurance

  • Pays for medical care and emergency transportation.
  • Can be purchased separately or as part of your travel health insurance policy.

Travel Health Insurance

Travel Health Insurance pays for emergency and/or routine medical services overseas.

If you have health insurance in the United States, find out if it covers emergencies that happen abroad. More information is available on our page about Your Health Abroad.

If your health insurance coverage is not adequate, consider buying a short-term supplemental policy. Look for a policy that will make payments to hospitals directly.


Trip Cancellation Insurance

  • Covers your financial investment in your trip, such as flights, cruises, or train tickets.
  • May not cover any medical care you need overseas, so you may need a separate travel health insurance policy.

Familiarize yourself with your travel and medical coverage before going overseas.

Additional information is available on the CDC insurance page


Considerations When Looking at Travel Insurance

Travel insurance varies widely, so you should carefully read the terms of an insurance policy to make sure it fits your needs. Before selecting a Travel Insurance, make sure it covers:

  • Emergency medical care
  • Medical transport back to the United States
  • Travel/accommodation costs
  • 24-hour contact line
  • Sufficient financial coverage
  • The region(s) you travel in
  • Your duration of travel
  • Pre-existing conditions
  • Activities you plan on engaging in


The Department of State assumes no responsibility or liability for the professional ability or reputation of, or the quality of services provided by, any provider.


Last Updated: November 22, 2022