Does my health insurance cover international travel?

15th January 2019by Joanna White

Every year, millions of people head off on holiday to hundreds of different locations, all over the world. While going anywhere on holiday is always incredibly exciting, there are certain serious things you need to think about before embarking on your trip.

One of those considerations is whether your health insurance covers international travel. Many travellers often assume that their health insurance automatically works overseas, but not every health insurance provider includes this as part of your plan.

It’s important to remember that every health insurance provider differs in the exact things they cover in their policies, so make sure you’re fully aware before you travel internationally. Below you’ll find out the various ways to find out if your health insurance covers international travel, and what to do if it doesn’t.

What you need to know – does my health insurance cover international travel?

There are several key considerations that you need to think about when it comes to health insurance and international travel.

As there are so many different providers of both health insurance and travel insurance, it can be hard to narrow it down as to what to expect from every provider. However, there are a few checks that you can make in order to see if your health insurance covers international travel.

Check your current health insurance policy

The first (and arguably most obvious) thing you should do when enquiring about whether your health insurance covers international travel is to simply check your current health insurance plan.

Every insurance provider will offer slightly different policies as part of their plan, so it’s important to check your exact plan so you’re fully aware of exactly what your policy includes.

Some health insurance providers may not cover you for travel outside of your own country, never mind covering you for international travel. Some may partly cover you for international travel, depending on the status of your health and your current medical conditions.

It’s important to thoroughly check your health insurance plan to see exactly what you’re covered for when it comes to international travel, so that you can take the appropriate steps if you’re not covered.

Consider purchasing international specific travel insurance

Leading on from the point above, if your health insurance doesn’t cover international travel then you may wish to purchase the appropriate international travel insurance policy that suits you and your needs.

International travel insurance can help to protect you against incredibly high costs while you’re travelling internationally due to illness or accidents.

Be aware that you may need to pay up front costs while abroad

It’s also important to remember that even if your health insurance does cover you for international travel, you may still be faced with upfront costs when it comes to receiving medical care while abroad.

This is because many countries don’t have a state-funded medical care service, which means they require cash or credit card payment in exchange for medical treatment.

While you can claim your money back on your health insurance (if it supports international travel), you should still be prepared to pay upfront costs for medical bills in certain countries.

Ensure you’re fully covered for your specific medical conditions

Another thing to consider when checking your health insurance policy against international travel is that you’re fully covered for all your specific medical conditions as well as any medication you’re currently taking.

International travel can often put a strain on some people’s health, especially when they already suffer from pre-existing medical conditions, so it’s important to check that your health insurance is fully up to date and includes all your medical conditions.

If your health insurance plan does cover international travel but does not include the relevant information about all your medical conditions, then you won’t be able to make a claim against your policy if you suffer from an illness or accident while you’re away.

Conclusion – does my health insurance cover international travel?

There’s no specific answer when it comes to determining whether your health insurance covers international travel; it’s entirely dependent on everyone’s individual health insurance policy.

There are several things you must do to check whether your health insurance provides you cover for international travel, and there are steps to take if it doesn’t offer you the appropriate cover.

When travelling internationally, it’s imperative to make sure that you’re fully covered, especially if you already suffer from pre-existing medical conditions, as without the appropriate cover, you could find yourself facing extortionate medical bills and fees. Admiral Travel Insurance offers single and multi trip travel insurance and is worth considering if your health insurance does not cover you and your family.

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