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URLhttps://travel.state.gov/en/international-travel/planning/guidance/insurance.html
Last Crawled2026-04-17 13:43:03 (2 days ago)
First Indexed2025-08-13 08:02:42 (8 months ago)
HTTP Status Code200
Meta TitleTravel Insurance | Travel.State.gov
Meta DescriptionProtect 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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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.
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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 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Adoption Intercountry Adoption](https://travel.state.gov/content/travel/en/Intercountry-Adoption.html) Intercountry Adoption [Intercountry Parental Child Abduction Intercountry Parental Child Abduction](https://travel.state.gov/content/travel/en/International-Parental-Child-Abduction.html) 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 [Careers](https://careers.state.gov/) [About](https://travel.state.gov/content/travel/en/about-us.html) [Contacts](https://travel.state.gov/content/travel/en/contact-us.html) [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 Owned by Overseas Citizens Services [Return to top](https://travel.state.gov/en/international-travel/planning/guidance/insurance.html#topOfPage) ## Travel.State.Gov Services - [U.S. Passports](https://travel.state.gov/content/travel/en/passports.html) - [U.S. Visas](https://travel.state.gov/content/travel/en/us-visas.html) - [International Travel](https://travel.state.gov/en/international-travel.html) - [Intercountry Adoption](https://travel.state.gov/content/travel/en/Intercountry-Adoption.html) - [International Parental Child Abduction](https://travel.state.gov/content/travel/en/International-Parental-Child-Abduction.html) - [Replace or Certify Documents](https://travel.state.gov/content/travel/en/replace-certify-docs.html) ## Information - [About](https://travel.state.gov/content/travel/en/about-us.html) - [Careers](https://careers.state.gov/) - [Newsroom](https://travel.state.gov/content/travel/en/News/newsroom.html) - [Travel Advisories](https://travel.state.gov/en/international-travel/travel-advisories.html) - [Find U.S. Embassies and Consulates](http://www.usembassy.gov/) ## Legal Resources - [Legal Information](https://travel.state.gov/content/travel/en/legal.html) - [Info for U.S. Law Enforcement](https://travel.state.gov/content/travel/en/consularnotification.html) - [Reports and Statistics](https://travel.state.gov/content/travel/en/about-us/reports-and-statistics.html) ## Login - [MyTravelGov Login](https://travel.state.gov/content/travel/en/about-us/mytravelgov.html) The State Department provides external links solely for our readers' information and convenience. 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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.
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