Supplemental Healthcare for Traveling in the U.S. and Abroad

For many, one of the greatest joys of retirement is the freedom to travel—whether that means visiting family across the country or embarking on an international adventure. But before you pack your bags, one of the items to check off your list is your medical coverage should a health issue arise during travel.

We suggest reviewing your coverage not only for a minor medical issue, such as needing stitches or falling ill, but also for a more substantial one, such as a vehicle accident or major health issue. It’s not the most fun part of travel planning, but it can help you take action and protect yourself should the need arise.

Medicare and U.S. Travel - If you’re traveling within the United States, Original Medicare (Parts A and B) generally covers you anywhere in the country, including all 50 states and U.S. territories, if the provider accepts Medicare. However, if you're enrolled in a Medicare Advantage Plan (Part C), your coverage may be limited to specific networks or regions. Check with your provider to understand any out-of-network restrictions and whether your plan offers national emergency or urgent care coverage.

Medicare and International Travel - Outside the U.S., Original Medicare offers very limited coverage. There are a few exceptions—like emergencies occurring near the U.S. border or while on a cruise—but generally, international healthcare costs won’t be covered. That’s where supplemental coverage becomes critical.

Supplemental Coverage Options

• Medigap Plans: Some Medigap (Medicare Supplement Insurance) plans—specifically Plans C, D, F, G, M, and N—offer limited foreign travel emergency coverage, typically up to $50,000 in lifetime benefits after a $250 deductible.
• Travel Insurance with Medical Coverage: If you don’t have a Medigap plan with foreign travel benefits or want additional protection, consider purchasing travel insurance that includes emergency medical coverage, evacuation services, and trip interruption protection.
• Credit Card Benefits: Some credit cards offer travel medical insurance as a perk, though it’s usually secondary coverage. Check your card’s benefits guide before relying on this option.

Plan for the Unexpected

Before your trip, contact your insurance providers to understand your coverage details. Carry documentation with you while you travel. Make a list of emergency contacts, healthcare facilities near your destination, and coverage hotlines.

Travel should be enjoyable, not stressful. A little preparation goes a long way in protecting your health—and your finances—while you explore the world in retirement. If you need help reviewing your current coverage or exploring supplemental options, we’re here to help you plan with confidence.