Those who have Original Medicare without additional coverage should seriously consider
obtaining travel insurance. While Medicare provides essential healthcare coverage for millions of
Americans, it has its limitations when it comes to international travel. That’s where travel
insurance comes in, offering valuable benefits and peace of mind for individuals on Medicare
who are planning to travel abroad.
Here are a few compelling reasons why people on Medicare should consider purchasing travel
insurance.
1. Medicare generally does not provide coverage for medical expenses incurred outside the
United States. If a medical emergency arises during your trip, you could be left with
exorbitant healthcare costs. Travel insurance fills this gap by offering comprehensive
medical coverage, including emergency medical evacuation and repatriation, hospital
stays, doctor visits, and prescription medications. This ensures that you receive the
necessary care without facing overwhelming expenses.
2. Medicare does not cover trip cancellation or interruption due to unforeseen
circumstances. Whether it’s a sudden illness, a family emergency, or a natural disaster,
these unexpected events can disrupt travel plans and result in financial losses. Travel
insurance may include trip cancellation and interruption coverage, reimbursing you for
non-refundable expenses such as flights, accommodations, and tours. This coverage is
particularly valuable for older individuals who may be more susceptible to health-related
uncertainties.
3. Medicare does not provide coverage for medical evacuation or repatriation, which can be
crucial in certain situations. If you experience a severe medical emergency while
traveling, Travel insurance typically ensures that you can be transported to a suitable
medical facility or safely returned to your home country for treatment. This feature is
especially significant for older adults who may have underlying health conditions that
require specialized care or prefer receiving treatment in familiar surroundings.
Additionally, travel insurance offers benefits beyond medical and trip-related coverage. It
typically includes 24/7 emergency assistance services, providing access to a team of
professionals who can assist you with various travel-related emergencies. Whether you need help
finding a local doctor or replacing lost travel documents, your carriers support team can prove
invaluable when navigating unfamiliar territories.
For individuals on Medicare who plan to travel abroad, investing in travel insurance is a wise
decision to protect their health, finances, and overall travel experience. Ask an Independent
Medicare Insurance agent for information on when and how to purchase a plan that will fit your
needs.