Travelers 65 years and older

International Medical Insurance for US Travelers Who are 65 and Older

All your years of hard work have paid off - you’re retired and you are now ready to travel the world.  You may decide to sail around the world, to finally take that safari, or see penguins in their native habitat.  After planning the perfect itinerary, don’t forget to think about your health.  Make sure you have the right health insurance so that your trip does not come with an added expense.

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International Medical Insurance for US Travelers Who are 65 and Older

Medicare - It is important to know that Medicare pays nothing (except in rare circumstances) for health care outside the US.

Need a prescription filled while you are touring the Vatican?  You are responsible for the cost of medication.

Fall and turn your ankle while touring the Parthenon?  You are responsible for paying the doctor’s bill out of your pocket.

Get appendicitis while in Buenos Aires?  You will be responsible for paying all the expenses related to the surgery including surgeon’s charges, hospital bills, lab work, and even ambulance charges.

Those costs can add up in a hurry, so you may want to consider buying an international medical insurance policy to complement the local health care system.

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International Medical Insurance for US Travelers Who are 65 and Older
Coverage Benefits

Your Medicare Supplement or your Medicare Advantage plan may provide you with some emergency coverage for care received outside the US.  But you will likely have to pay for your care when your services are provided, then submit a claim for reimbursement when you return.  Then your insurance carrier will decide whether this was a “true emergency” and how much of your claim is eligible for reimbursement.

Ask yourself these questions to determine if your need coverage:

  • Can I pay for an emergency medical expense on my credit card?
  • Who would be responsible for any currency fluctuation on the cost of care?
  • Will my credit card charge me a currency conversion fee?
  • What would happen if I need to be medically evacuated?
  • Are there any pre-existing conditions limitations on the policy?

Remember, health insurance must be purchased before you need it!

Being able to travel the world is one of the joys of retirement.  And though you never need this medical guidance, being prepared will allow you to relax and focus on the exciting journey ahead of you.