Travel insurance is very different from what your credit card or U.S. health plan typically provides when you’re overseas. Most domestic health insurance focuses on stabilizing an emergency — and often requires you to pay out of pocket first — while many credit cards limit coverage to trip delays or cancellations and offer little to no medical or evacuation protection. A dedicated travel insurance policy is built specifically for travel: it can include emergency medical care abroad (or even just "out-of-network" in the United States), hospital coordination, medical evacuation back home if needed, trip interruption coverage, baggage protection, and 24/7 assistance services. Before assuming you’re covered, take a moment to review this page and compare benefits carefully so you understand exactly what protection you have — and what gaps you may want to fill.
