Did you know most U.S. health insurance policies don’t fully cover you once you leave the country? Many limit themselves strictly to domestic care. It makes sense: foreign healthcare systems, languages, and currencies can get complicated. But it also means you could be left uncovered when you need help the most.
That’s where travel insurance comes in; it goes where you go, offering protection and support when life throws curveballs on the road.
So, what does my U.S. health insurance usually cover abroad?
The short answer: it varies, and usually with big limitations. If you’re counting on your health insurance while traveling internationally, here are common restrictions to watch out for:
- Emergency care only: Life-threatening emergencies may be covered, but urgent care (say, an illness or injury that can wait until the next day) usually isn’t. Learn the difference between emergency care and urgent care.
- High copays & deductibles: Even when coverage applies, you may face steep out-of-pocket costs.
- No medical evacuation: Few U.S. plans cover evacuation if you need to be transported to another country or back home for treatment.
- No 24/7 travel support: Unlike Faye, your health insurance provider won’t be on WhatsApp at 2 a.m. helping you through a crisis abroad.
Why Faye’s whole-trip travel insurance is different
With most U.S. health plans falling short, comprehensive travel protection is the smartest way to safeguard your trip.
Faye covers your trip, your stuff, and your health:
- Trip cancellations, interruptions, and delays
- Emergency medical expenses (including COVID-19)
- Lost, damaged, or stolen belongings
- 24/7 support: holidays and weekends included
- And so much more
Are COVID-19 health-related expenses covered?
Yes, you’re covered:
- Before your trip: If you test positive before departure, Faye can cover your cancellation claim.
- During your trip: If you get sick while abroad, we can cover emergency medical expenses and trip interruption.
Working when you shouldn’t be
No destination is too far, and no problem too tricky with Faye Travel Insurance. Your time away is precious, and we’re here to protect it, so you can spend less time stressing and more time exploring.
*International travel to countries sanctioned by the Office of Foreign Asset Control is not covered by Faye.
