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| Meta Title | Travel Insurance | Travel.State.gov |
| Meta Description | Protect your trip, health, and costly travel items with insurance for medical coverage abroad, evacuations, trip cancellation, and auto damage or accidents. |
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| Boilerpipe Text | The U.S. government does not pay medical costs for U.S. citizens traveling abroad. Plan ahead in case of any hospital visits, emergencies, or other unexpected expenses during your trip.
There are different kinds of travel or trip insurance that can protect your health, your trip, and your finances. Here are the main types to consider:
We recommend that you buy travel health insurance before your trip. U.S. Medicare and Medicaid do not pay for medical care outside the United States.
Check with your U.S. health insurance provider and ask if they cover emergency and routine
medical care
while abroad.
If your regular medical insurance does not cover you, consider getting a short-term policy. There are some policies that make direct payments to hospitals.
For more information, review the
CDC insurance
page.
We strongly recommended that you buy medical evacuation insurance when traveling to
areas with higher risk
or
limited medical care
.
You can purchase this separately or as an add-on to your travel health insurance policy. Most policies cover medical care and emergency transportation.
This kind of insurance helps you get your money back if you need to cancel or change travel plans like flights, cruises, or train trips..
It usually
does not
pay for medical costs in other countries.
If you plan to
drive in another country
, your U.S. auto insurance might not cover you abroad.
Your U.S. auto policy also needs to meet local insurance requirements.
Check with your provider before traveling.
Car rental companies sometimes offer auto insurance options to cover you during your trip.
Travel insurance can be very different from one policy to another. Review the policy carefully. Make sure it covers items like:
Validity in counties you plan to visit
Length of your trip
Emergency medical care
Medical transportation back to the United States
Travel and lodging expenses
Cash for emergencies
All current medical conditions for you and your family
Activities you plan to participate in
Find out if the insurance company has a 24-hour help line to call during your trip.
Medical services
while abroad
Review the
Health
section of the
Travel Guidance
for your destination. |
| Markdown | [Skip to content](https://travel.state.gov/en/international-travel/planning/guidance/insurance.html#tsg_upper_section_root_container)

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Americans in the Middle East
[Americans in the Middle East should follow the latest guidance from the nearest U.S. embassy or consulate and can contact the U.S. Department of State to receive information or assistance.](https://travel.state.gov/en/international-travel/travel-advisories/global-events/middle-east.html)
Worldwide Caution
[The Department of State advises Americans worldwide, and especially in the Middle East, to exercise increased caution.](https://travel.state.gov/en/international-travel/travel-advisories/global-events/worldwide-caution.html)
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[Race and Ethnicity Travel Safety](https://travel.state.gov/en/international-travel/planning/personal-needs/race-ethnicity-safety.html)
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- [International Travel](https://travel.state.gov/en/international-travel.html)
- Travel Advisories
- [Travel Advisories](https://travel.state.gov/en/international-travel/travel-advisories.html)
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- [Global Events Affecting International Travel](https://travel.state.gov/en/international-travel/travel-advisories/global-events.html)
- [Terrorism](https://travel.state.gov/en/international-travel/travel-advisories/global-events/terrorism.html)
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- Planning Your Travel
- [Planning Your Travel](https://travel.state.gov/en/international-travel/planning.html)
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- [International Travel Guidance](https://travel.state.gov/en/international-travel/planning/guidance.html)
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- [Pets](https://travel.state.gov/en/international-travel/planning/personal-needs/pets.html)
- [Race and Ethnicity Travel Safety](https://travel.state.gov/en/international-travel/planning/personal-needs/race-ethnicity-safety.html)
- [Travel with Minors](https://travel.state.gov/en/international-travel/planning/personal-needs/minors.html)
- [Women Travelers](https://travel.state.gov/en/international-travel/planning/personal-needs/women.html)
- Safety Tips for Activities
- [Safety Tips for Activities](https://travel.state.gov/en/international-travel/planning/safety-tips.html)
- [Adventure Travelers](https://travel.state.gov/en/international-travel/planning/safety-tips/adventure.html)
- [Boating Safety and Piracy](https://travel.state.gov/en/international-travel/planning/safety-tips/boating-safety-piracy.html)
- [Business Travel and Work Abroad](https://travel.state.gov/en/international-travel/planning/safety-tips/business.html)
- [Cruise Ships](https://travel.state.gov/en/international-travel/planning/safety-tips/cruise-ships.html)
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- [Living Abroad Resources](https://travel.state.gov/en/international-travel/living-abroad.html)
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- [Help Abroad](https://travel.state.gov/en/international-travel/help-abroad.html)
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[Intercountry Adoption Intercountry Adoption](https://travel.state.gov/content/travel/en/Intercountry-Adoption.html)
Intercountry Adoption
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Intercountry Parental Child Abduction
[Replace or Certify Documents Replace or Certify Documents](https://travel.state.gov/content/travel/en/replace-certify-docs.html)
Replace or Certify Documents
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[Login](https://travel.state.gov/content/travel/en/about-us/mytravelgov.html)
1. [Home](https://travel.state.gov/content/travel.html)
2. [International Travel](https://travel.state.gov/en/international-travel.html)
3. [Planning Your Travel](https://travel.state.gov/en/international-travel/planning.html)
4. [International Travel Guidance](https://travel.state.gov/en/international-travel/planning/guidance.html)
5. Travel Insurance
- International Travel
In this section
- Travel Advisories
- [Travel Advisories](https://travel.state.gov/en/international-travel/travel-advisories.html)
- [STEP - Smart Traveler Enrollment Program](https://travel.state.gov/en/international-travel/travel-advisories/smart-traveler-enrollment-program.html)
- Global Events Affecting International Travel
- [Global Events Affecting International Travel](https://travel.state.gov/en/international-travel/travel-advisories/global-events.html)
- [Terrorism](https://travel.state.gov/en/international-travel/travel-advisories/global-events/terrorism.html)
- [Worldwide Caution](https://travel.state.gov/en/international-travel/travel-advisories/global-events/worldwide-caution.html)
- [High-Risk Areas](https://travel.state.gov/en/international-travel/travel-advisories/high-risk-areas.html)
- [Crime](https://travel.state.gov/en/international-travel/travel-advisories/crime.html)
- [Scams](https://travel.state.gov/en/international-travel/travel-advisories/scams.html)
- Planning Your Travel
- [Planning Your Travel](https://travel.state.gov/en/international-travel/planning.html)
- [International Travel Checklist](https://travel.state.gov/en/international-travel/planning/checklist.html)
- International Travel Guidance
- [International Travel Guidance](https://travel.state.gov/en/international-travel/planning/guidance.html)
- [DHS Trusted Traveler Programs](https://travel.state.gov/en/international-travel/planning/guidance/dhs-trusted-traveler-program.html)
- [Driving and Transportation Safety Abroad](https://travel.state.gov/en/international-travel/planning/guidance/driving-transportation.html)
- [Information for Travel Industry](https://travel.state.gov/en/international-travel/planning/guidance/travel-industry.html)
- [Laws Abroad](https://travel.state.gov/en/international-travel/planning/guidance/laws.html)
- [Lodging Safety](https://travel.state.gov/en/international-travel/planning/guidance/lodging-safety.html)
- [Medicine and Health](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html)
- [Travel Insurance](https://travel.state.gov/en/international-travel/planning/guidance/insurance.html)
- [U.S. Travelers in Europe](https://travel.state.gov/en/international-travel/planning/guidance/europe.html)
- Personal Travel Needs
- [Personal Travel Needs](https://travel.state.gov/en/international-travel/planning/personal-needs.html)
- [Accessibility Needs](https://travel.state.gov/en/international-travel/planning/personal-needs/accessibility.html)
- [Age 65+ Travelers](https://travel.state.gov/en/international-travel/planning/personal-needs/age-65.html)
- [Dual Nationality](https://travel.state.gov/en/international-travel/planning/personal-needs/dual-nationality.html)
- [Gay and Lesbian Travelers](https://travel.state.gov/en/international-travel/planning/personal-needs/gay-lesbian.html)
- [Pets](https://travel.state.gov/en/international-travel/planning/personal-needs/pets.html)
- [Race and Ethnicity Travel Safety](https://travel.state.gov/en/international-travel/planning/personal-needs/race-ethnicity-safety.html)
- [Travel with Minors](https://travel.state.gov/en/international-travel/planning/personal-needs/minors.html)
- [Women Travelers](https://travel.state.gov/en/international-travel/planning/personal-needs/women.html)
- Safety Tips for Activities
- [Safety Tips for Activities](https://travel.state.gov/en/international-travel/planning/safety-tips.html)
- [Adventure Travelers](https://travel.state.gov/en/international-travel/planning/safety-tips/adventure.html)
- [Boating Safety and Piracy](https://travel.state.gov/en/international-travel/planning/safety-tips/boating-safety-piracy.html)
- [Business Travel and Work Abroad](https://travel.state.gov/en/international-travel/planning/safety-tips/business.html)
- [Cruise Ships](https://travel.state.gov/en/international-travel/planning/safety-tips/cruise-ships.html)
- [Faith-Based Travel](https://travel.state.gov/en/international-travel/planning/safety-tips/faith-based.html)
- [Firearms](https://travel.state.gov/en/international-travel/planning/safety-tips/firearms.html)
- [Hajj and Umrah Pilgrimage Travelers](https://travel.state.gov/en/international-travel/planning/safety-tips/hajj-umrah-pilgrimage.html)
- [Journalists](https://travel.state.gov/en/international-travel/planning/safety-tips/journalists.html)
- [Studying Abroad](https://travel.state.gov/en/international-travel/planning/safety-tips/studying.html)
- [Volunteering Abroad](https://travel.state.gov/en/international-travel/planning/safety-tips/volunteering.html)
- Living Abroad Resources
- [Living Abroad Resources](https://travel.state.gov/en/international-travel/living-abroad.html)
- [American Citizens Services Abroad](https://travel.state.gov/en/international-travel/living-abroad/acs.html)
- [Birth](https://travel.state.gov/en/international-travel/living-abroad/birth.html)
- [Marriage](https://travel.state.gov/en/international-travel/living-abroad/marriage.html)
- [Divorce](https://travel.state.gov/en/international-travel/living-abroad/divorce.html)
- [Death](https://travel.state.gov/en/international-travel/living-abroad/death.html)
- [Retirement](https://travel.state.gov/en/international-travel/living-abroad/retirement.html)
- [Federal Benefits and Obligations](https://travel.state.gov/en/international-travel/living-abroad/federal-benefits-obligations.html)
- [Criminal Records Checks](https://travel.state.gov/en/international-travel/living-abroad/criminal-records.html)
- [Voting from Abroad](https://travel.state.gov/en/international-travel/living-abroad/voting.html)
- Help Abroad
- [Help Abroad](https://travel.state.gov/en/international-travel/help-abroad.html)
- [Crisis Response and Evacuations](https://travel.state.gov/en/international-travel/help-abroad/crisis-response.html)
- [Lost or Stolen Passport Abroad](https://travel.state.gov/en/international-travel/help-abroad/lost-stolen-passport.html)
- [Victims of Crime](https://travel.state.gov/en/international-travel/help-abroad/victims-crime.html)
- [Arrest or Detention Abroad](https://travel.state.gov/en/international-travel/help-abroad/arrest-detention.html)
- [Missing U.S. Citizens Abroad](https://travel.state.gov/en/international-travel/help-abroad/missing-us-citizen.html)
- [Emergency Financial Assistance](https://travel.state.gov/en/international-travel/help-abroad/financial.html)
# Travel Insurance
The U.S. government does not pay medical costs for U.S. citizens traveling abroad. Plan ahead in case of any hospital visits, emergencies, or other unexpected expenses during your trip.
## Insurance coverage when traveling abroad
There are different kinds of travel or trip insurance that can protect your health, your trip, and your finances. Here are the main types to consider:
Travel health insurance
- We recommend that you buy travel health insurance before your trip. U.S. Medicare and Medicaid do not pay for medical care outside the United States.
- Check with your U.S. health insurance provider and ask if they cover emergency and routine [medical care](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html) while abroad.
- If your regular medical insurance does not cover you, consider getting a short-term policy. There are some policies that make direct payments to hospitals.
- For more information, review the [CDC insurance](https://wwwnc.cdc.gov/travel/page/insurance) page.
Medical evacuation insurance
- We strongly recommended that you buy medical evacuation insurance when traveling to [areas with higher risk](https://travel.state.gov/en/international-travel/travel-advisories/high-risk-areas.html) or [limited medical care](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html).
- You can purchase this separately or as an add-on to your travel health insurance policy. Most policies cover medical care and emergency transportation.
Trip cancellation insurance
- This kind of insurance helps you get your money back if you need to cancel or change travel plans like flights, cruises, or train trips..
- It usually **does not** pay for medical costs in other countries.
Auto insurance abroad
- If you plan to [drive in another country](https://travel.state.gov/en/international-travel/planning/guidance/driving-transportation.html), your U.S. auto insurance might not cover you abroad.
- Your U.S. auto policy also needs to meet local insurance requirements.
- Check with your provider before traveling.
- Car rental companies sometimes offer auto insurance options to cover you during your trip.
***
## Checklist for buying travel insurance
Travel insurance can be very different from one policy to another. Review the policy carefully. Make sure it covers items like:
- Validity in counties you plan to visit
- Length of your trip
- Emergency medical care
- Medical transportation back to the United States
- Travel and lodging expenses
- Cash for emergencies
- All current medical conditions for you and your family
- Activities you plan to participate in
Find out if the insurance company has a 24-hour help line to call during your trip.
### Resources for your healthcare abroad
- [Medical services](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html) while abroad
- Review the **Health** section of the [Travel Guidance](https://travel.state.gov/en/international-travel/travel-advisories.html) for your destination.
Last Updated: August 11, 2025
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| Readable Markdown | The U.S. government does not pay medical costs for U.S. citizens traveling abroad. Plan ahead in case of any hospital visits, emergencies, or other unexpected expenses during your trip.
There are different kinds of travel or trip insurance that can protect your health, your trip, and your finances. Here are the main types to consider:
- We recommend that you buy travel health insurance before your trip. U.S. Medicare and Medicaid do not pay for medical care outside the United States.
- Check with your U.S. health insurance provider and ask if they cover emergency and routine [medical care](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html) while abroad.
- If your regular medical insurance does not cover you, consider getting a short-term policy. There are some policies that make direct payments to hospitals.
- For more information, review the [CDC insurance](https://wwwnc.cdc.gov/travel/page/insurance) page.
- We strongly recommended that you buy medical evacuation insurance when traveling to [areas with higher risk](https://travel.state.gov/en/international-travel/travel-advisories/high-risk-areas.html) or [limited medical care](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html).
- You can purchase this separately or as an add-on to your travel health insurance policy. Most policies cover medical care and emergency transportation.
- This kind of insurance helps you get your money back if you need to cancel or change travel plans like flights, cruises, or train trips..
- It usually **does not** pay for medical costs in other countries.
- If you plan to [drive in another country](https://travel.state.gov/en/international-travel/planning/guidance/driving-transportation.html), your U.S. auto insurance might not cover you abroad.
- Your U.S. auto policy also needs to meet local insurance requirements.
- Check with your provider before traveling.
- Car rental companies sometimes offer auto insurance options to cover you during your trip.
Travel insurance can be very different from one policy to another. Review the policy carefully. Make sure it covers items like:
- Validity in counties you plan to visit
- Length of your trip
- Emergency medical care
- Medical transportation back to the United States
- Travel and lodging expenses
- Cash for emergencies
- All current medical conditions for you and your family
- Activities you plan to participate in
Find out if the insurance company has a 24-hour help line to call during your trip.
- [Medical services](https://travel.state.gov/en/international-travel/planning/guidance/medicine-health.html) while abroad
- Review the **Health** section of the [Travel Guidance](https://travel.state.gov/en/international-travel/travel-advisories.html) for your destination. |
| Shard | 103 (laksa) |
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