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While travel insurance is not a requirement for U.S. travelers taking a short-term trip to European destinations, the primary reason to purchase it is for travel medical coverage, since U.S. health insurance plans (including Medicare and Medicaid) typically do not provide coverage for medical emergencies overseas.
Yes, it is highly recommended to have travel and medical insurance when traveling outside of your country. Travel insurance provides coverage for unforeseen events such as trip cancellations, lost luggage, and emergency medical expenses.
Carry your insurance card and a claim form if your policy covers you outside the United States. Medicare does not cover medical care when you travel the United States. Visit Medicare.gov for more information. Some health insurance companies pay for customary and reasonable hospital costs abroad.
Make a plan Get travel insurance. Find out if your health insurance covers medical care abroad. Enroll with the Department of States Smart Traveler Enrollment ProgramExternal Link (STEP). Check for and monitor any travel advisories for your destination.
Although its not required, carrying it can help avoid billing problems and make medical visits more efficient. With over 2.6 million identity theft cases annually, opting for a secure digital card may be a safer choice.
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Carry your Medicare card with you when youre away from home. Show your Medicare card to your doctor, hospital, or other health care provider when you get services. If you have a Medicare drug plan or supplemental coverage, carry that plan card with you too.

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