Turning 65 and joining Medicare doesn't extend your health coverage overseas — travel insurance is what protects you abroad.
Why coverage matters once you're on Medicare
Most Americans enroll in Medicare at 65, but Original Medicare generally does not pay for care outside the United States. A few Medigap plans add a limited foreign travel emergency benefit, but it covers only 80% of costs after a deductible and caps at a $50,000 lifetime maximum — easily exhausted by one serious event. Travel insurance fills this gap with higher emergency medical limits and medical evacuation coverage that can reach $1 million. For seniors over 65 traveling internationally, this protection turns a potential financial catastrophe into a manageable claim. Call 1-800-MEDIGAP at 1-800-633-4427 to review your situation.
Choosing a plan after 65
Decide whether you want comprehensive coverage (medical plus trip cancellation) or medical-only protection. Confirm the medical and evacuation limits suit your destination, and if you manage any chronic condition, buy within 14–21 days of your first deposit to qualify for a pre-existing condition waiver. Premiums rise gradually with age, so compare a few reputable carriers to find the best value. Read exclusions for activities and conditions. The licensed specialists at 1-800-MEDIGAP can explain how each benefit works and help you match a plan to your trip and budget.