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. 

Who pays for medical treatment?

That depends on what’s happened to you and the treatment required. Payment may be advanced to the hospital to secure admission. In other cases, such as at a local physician’s office or urgent care, you may have to pay upfront and submit a claim after treatment is complete. It also depends on what is covered by your primary insurance (but don’t worry, we’ll contact them if you are admitted to the hospital or require help). 

What’s not covered

Remember, travel insurance is made for emergency medical and dental treatment at least 100 miles outside of your home. It’s for unexpected illnesses or injuries, not general check-ups. Other things that your policy may not cover:   

  • Any expenses related to a pre-existing medical condition.
  • Any non-emergency treatment or surgery, such as routine physical examinations.
  • Pregnancy and childbirth except for complications of pregnancy. (Read our article on pregnancy for more information) 
  • Any ongoing medical expenses once you return to your home in the United States.
  • Any expenses incurred that are in excess of the reasonable and customary charges.
  • Any expenses covered by your primary medical insurance at no cost or for a co-pay or deductible.
  • Anything else that’s listed in the Limitations and Exclusions section of your policy.

This is a summary only. It does not include all terms, conditions and exclusions of the plans described. Please refer to the actual plans for complete details of coverage and exclusions and take the time to read the full description of coverage in the policy. 

Questions? Feel free to reach out to us.

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