Do I need travel insurance if I have Medicare?
The short answer: Yes. According to Medicare.gov, health care you get while traveling outside the U.S. isn't covered. There are a few rare exceptions. If, for instance, you're traveling through Canada to get to Alaska when a medical emergency occurs, and a Canadian hospital is the nearest facility, Medicare may cover your treatment.
You can purchase a Medigap policy to cover emergency care received outside the United States. This policy pays 80 percent of the billed charges for certain medically necessary emergency care outside the U.S. after you meet a $250 yearly deductible. Medigap coverage has a lifetime limit of $50,000.
The OneTrip Prime Plan from Allianz Global Assistance, on the other hand, has no deductible and offers benefits for 100 percent of losses due to covered medical emergencies, up to $25,000 per trip.
Three things to know about travel insurance vs. overseas health insurance
Travel insurance isn't the same thing as health insurance.
Travel insurance with emergency medical benefits offers just that — benefits for losses due to covered medical and dental emergencies. It doesn't cover preventive, routine or elective medical care. Appendicitis in Amsterdam? Probably covered. Rhinoplasty in Rio? Not covered.
Travel insurance includes some major benefits that health insurance plans don't offer.
When you buy international travel insurance from Allianz Global Assistance, you're not just getting benefits to cover emergency medical expenses. You also get emergency medical transportation benefits, up to $1 million (depending on the plan you choose) to travel to the nearest appropriate medical facility or to return home. This is huge. If you need to be airlifted to a hospital, or you need a nurse to escort you home, the costs will be exorbitant without travel insurance.
Travel insurance also includes trip cancellation and interruption protection to reimburse you for non-refundable trip payments, in case you have to cancel your travel because of covered illness, injury or another covered reason.
I WROTE THIS BEFORE I LEFT
In July of 2024 I did a 7 night tour with Backroads adventure travel. Here is a review and breakdown of that adventure!
Here are some pictures from the trip: Backroads 2024
For those of you not familiar, Backroads tours is a luxury adventure travel company that offers worldwide biking, hiking, adventure tours that incorporate top notch hotels and river cruises. In this instance, we were on AMA Waterways, the AMASonata.
To begin this trip, I took a private tour from Berlin with a stop in Dresden on the way to Prague. This took around 4.5 hours. You could also take the train or fly.
Once in Prague I checked into my hotel, Hotel Klarav a great hotel near Prague Castle. I always recommend this hotel first to people staying in Prague.
I stayed three nights in Prague, it ended up being one of my favorite cities in the world. Absolutely fantastic. While in Prague, I did a city tour on bike that included the Charles Bridge, Old town square with Tyn and St. Nicholas Churches. after riding around and seeing the sights, I met up with some of the other Backroads people to enjoy a local restaurant. The next day, a group of us did a walking tour that included Prague Castle! Ask me about Prague! Its full of adventure.
The first day of the Backroads trip departed the hotel first thing in the Morning. The bus ride was about 90 minutes, we arrived at Tittling, Germany around noon. Backroads had a beautiful lunch set up for us while they discussed safety and biking. After 26 miles of biking, we reached the ship in Vilshofen!