Medicare typically does not provide coverage for healthcare services outside the U.S., except in very limited situations, such as:

  • Emergency care in Canada if you’re traveling between Alaska and another U.S. state
  • A medical emergency in which a foreign hospital is closer than a U.S. hospital
  • Care on a cruise ship within six hours of a U.S. port

Since Medicare coverage is so limited abroad, the best solution is to purchase travel medical insurance or a Medicare Supplement (Medigap) plan that includes foreign travel emergency coverage.

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Your Best Options for Coverage

  1. Medigap Plans C, D, F, G, M, or N

    • These cover 80% of emergency medical care abroad (after a $250 deductible), but only up to $50,000 lifetime and within 60 days of your trip.
    • Note: Plan F is no longer available to new Medicare enrollees.

  2. Travel Medical Insurance

    • Provides higher coverage limits ($100,000+ in medical expenses).
    • Can cover emergency evacuation, repatriation, and pre-existing conditions (depending on the plan).
    • Ideal for longer or frequent international trips.

  3. Medicare Advantage (Part C) Plans

    • Some plans include limited emergency coverage abroad.
    • Coverage varies by provider, so check with your insurer before traveling.

Best Approach

If you travel internationally often, consider:
✅ A Medigap plan if you already have Original Medicare.
✅ A comprehensive travel insurance policy for broader coverage and peace of mind.

Would you like recommendations for travel insurance providers? You can visit our site here