Most doctors and hospitals expect payment in cash, regardless of whether you have travel health insurance or not. If you develop a life-threatening medical problem, you’ll probably want to be evacuated to a country with state-of-the-art medical care. As this may cost tens of thousands of dollars, be sure you have insurance to cover this before you leave home. A list of medical evacuation and travel insurance companies is on the website of the US State Department (www.travel.state.gov/medical.html).
If your health insurance does not cover you for medical expenses while you are abroad, you should consider supplemental insurance. It might pay to find out in advance if your insurance plan will make payments directly to providers or if they reimburse you later for any overseas health expenditures.
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