Am I covered for urgent medical treatment when abroad?

Your travel insurance policy provides coverage for emergency medical expenses if you suffer a covered illness or injury during your travels. The maximum limits for coverage depend on whether you bought a Standard or Explorer plan. 

What's covered:

Your coverage may include the following when ordered by a medical professional as a necessary treatment and can’t wait until your return home to the United States: 

  • Hospital stays, including the use of an operating room.
  • Services of a Physician.
  • X-rays, laboratory tests, anesthetics.
  • Drugs, medicine, and therapeutic services.
  • Ambulance services.

What do you do if something happens to you:

Our 24/7 Emergency Assistance team is here to help in the case of an emergency and must be contacted immediately if you: 

  • Are admitted to hospital;
  • Need emergency medical evacuation or repatriation.

The team can help with locating suitable medical facilities, verifying your travel insurance coverage, and monitoring your care throughout the emergency. 


For more details, including information on what’s not covered, read more on this Overseas Medical page. To make a claim, head to this page.

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