Travellers warned over steep cost of medical bills abroad (2024)

FAQs

What happens if you need to go to a hospital in another country? ›

Travelers are usually responsible for paying hospital and other medical expenses out of pocket at most destinations. Make sure you have a plan to get care overseas, in case you need it.

Special care if you become ill or injured while traveling

Contact the nearest U.S. Embassy or Consulate for a list of local healthcare providers and medical facilities. If your illness is serious, consular officers can help you find medical assistance. If you want, they can inform your family and friends.

U.S. health insurance plans typically do not cover regular and routine medical care required overseas. This means your health insurance won't pay for care if you need to visit a doctor for a prescription medicine, or if you need treatment for a condition that is not considered an emergency.

Carry your insurance card and a claim form if your policy covers you outside the United States. Medicare does not cover medical care when you travel the United States. Visit Medicare.gov for more information. Some health insurance companies pay for “customary and reasonable” hospital costs abroad.

If you're visiting Europe for a short period, travel insurance that includes health coverage is highly recommended. Travel insurance can cover emergency medical expenses, hospital stays, and even medical evacuation if necessary. Many European countries require proof of travel insurance when applying for a visa.

How Do I See a Doctor in a Foreign Country? If you have an international health insurance plan, or travel insurance, they should provide you with an emergency medical assistance number you can call to help you arrange for a doctor visit. To schedule an appointment, first contact your insurance company.

Almost all the countries in Europe have a universal healthcare system. There are people who call it a “free healthcare” system but it is actually not free. Each nation has its own variation; however, a common feature is that everyone has to pay for healthcare as a society.

Except in the limited situations described on page 1, Medicare doesn't pay for health care services you get outside the U.S. If your circ*mstances don't meet these limited situations, you pay the full cost to the health care provider.

Who Needs Travel Medical Insurance? Purchasing health insurance for traveling abroad is a simple way to save money in an emergency, and anyone can benefit from the coverage. If you're traveling to a country in which your health insurance provider doesn't provide coverage, buying travel medical insurance is a must.

U.S. Medicare and Medicaid do not cover medical costs overseas. Private U.S. insurance policies also might not cover any or all expenses. Check with your insurance before traveling to see if it provides coverage overseas. More information is also available on the CDC insurance page.

Do you have to pay medical bills in another country? ›

Typically this is uncommon, but medical debt incurred abroad may follow you to your home country depending on a few factors including the debt collection policies of the hospital or medical facility you received care from, international agreements, and legal implications in both countries.

The 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, and American Samoa are considered part of the U.S. Anywhere else is considered outside the U.S. Medicare drug plans don't cover prescription drugs you buy outside the U.S.

It's always a good idea to alert your primary care doctor that you're traveling overseas—or know how to contact them if you need to. If you have non-emergency questions (“could this be the flu?”) a telemedicine conversation could be possible and helpful if you're not home, says Lin H.

Many airlines typically work with emergency medical service providers such as MedAire's MedLink or Stat MD. These service providers can be contacted during the flight using a satellite phone. Direct communication with an emergency room or trauma center is also possible.

Emergency medical coverage is included within some comprehensive travel insurance policies but can also be purchased on its own. Even if you have a primary U.S. insurance plan, including Medicaid or Medicare, odds are it will help very little (or often not at all) while out of the country.

If I get sick or have an accident while visiting Canada, will the Government of Canada pay for my medical treatment? Canada does not pay for hospital or medical services for visitors. You should get health insurance to cover any medical costs before you come to Canada.

Medical Escorts and Medical Evacuation

When a U.S. citizen becomes ill in Italy and requires assistance to fly back to the US, he/she could hire a medical escort. Generally, when a medical escort is hired, a physician with basic medical equipment accompanies the patient on board a commercial airline flight.