U.S. State Department Travel Insurance Advisory
Check your coverage well ahead of time and act accordingly
The following is taken verbatim from two distantly separated sections of medical insurance advisory pages from the U.S. State Department website.
You can’t assume your personal insurance will go with you when you travel. It’s very important to find out BEFORE you leave whether or not your medical insurance will cover you overseas.
You need to ask your insurance company two questions:
Will it cover emergencies like a trip to a foreign hospital or a medical evacuation?
If your health insurance policy provides coverage outside the United States, remember to carry both your insurance policy identity card as proof of such insurance and a claim form.
Although many health insurance companies will pay "customary and reasonable" hospital costs abroad, very few will pay for your medical evacuation back to the United States.
THE SOCIAL SECURITY MEDICARE PROGRAM DOES NOT PROVIDE COVERAGE FOR HOSPITAL OR MEDICAL COSTS OUTSIDE THE U.S.A.
If an American citizen becomes seriously ill or injured abroad, a U. S. consular officer can assist in locating appropriate medical services and informing family or friends.