Thursday, July 26, 2012

What Does My Health Insurance Cover While Traveling Abroad?

Tonya Williams, Employee Relations Specialist
School District of Janesville

Unfortunately there comes a time while traveling abroad that a staff member may need medical services.  While planning your trip abroad keep this information in mind in case that need arises.

Medical services outside of the States are covered; however, you will have to pay the expenses out of your own pocket.  When you return home you will submit the claim to the Alliance for reimbursement.  If you do receive medical services in another country, make sure to get an itemized statement of services rendered.  This ensures that you have the proper documentation if the insurance company has questions about whether the services should be covered.  Keep in mind that Medicare and Medicaid programs do not provide coverage outside of the United States.

If you need a prescription while traveling abroad, you will also be responsible for this expense.  Once again save your receipts, and save the labels from the prescription bottles to submit to Navitus for reimbursement.

Before you pack that passport, you may wish to visit "Tips for Traveling Abroad" created by the U.S. State Department for helpful tips to make your trip enjoyable and safe!


  1. Knowing how to process your health insurance while you are abroad can save you a lot of money. Thanks for this tip, now we can be sure to reimburse our health expenses when we give them an itemized statement of the services done.

  2. It's certainly important to be properly insured when traveling, especially if you're making frequent trips abroad throughout the year. You may regard it as an added expense or a luxury but if you're ever in need of it, you're sure glad it is there.

  3. Really nice things to know when we plan to travel abroad! Personally, from New Year's Eve, I'm thinking to go to Hawaii and I have a health insurance California... and from what I know I'm protected in case of accidents or illnesses!


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