Making sure you're covered while traveling

Your health plan operates a bit differently when you are out of the country

It helps to know what’s covered ahead of time so you can plan and add to your coverage if you choose, before you leave.

How health plans work when you are out of the country

While many plans may provide out-of-network coverage when you travel outside of the U.S., the way services are paid for can be different. Doctors and hospitals in other countries will commonly expect you to pay up front before starting treatment. Most likely, you will need to keep careful records and submit everything for reimbursement when you get home.

Check your health plan specifics about international travel

It’s a good idea to read your health plan documents or talk to your health insurance provider before you go. That way, you’ll know ahead of time what’s covered and what’s not, and you can see if there are any special services or requirements for international travelers.

Bring names of any medications along with you

If you or a family member are taking any prescription medication, make a written list of medication names and dosages. Also include the name, telephone number, email address, and mailing address of your prescribing doctor, just in case you need it.

Consider international travel medical insurance

There are several advantages to an international travel medical insurance policy. For instance, a SafeTrip international travel insurance plan, along with travel assistance services, available through UnitedHealthcare Global, can help you:

  • Find a pre-screen quality medical provider.
  • Cover costs at the time of treatment rather than having to wait for reimbursement after you get home.
  • Get home in a medical emergency
  • Get help with non-medical problems, like a lost passport or a legal need.
  • Add riders to cover lost baggage, trip cancellation, or adventure travel.

For more information about these plans and a free price quote, visit SafeTrip from UnitedHealthcare Global.


UnitedHealthcare Global is part of UnitedHealth Group, Incorporated, a Fortune 10 company. Travel assistance services may be provided by or through UnitedHealth Group entities, and / or the UnitedHealthcare Global brand.  Travel medical coverage is underwritten by third party companies that are not related to the UnitedHealthcare family of companies.