How do I use my health coverage when traveling internationally?

All US group health insurance plans cover emergencies abroad during international travel. Doctor's visits, standard services, etc. will not be covered unless explicitly stated in the plan or added on as a policy rider. Going to the ER for a sinus infection or a cold will not be covered; it's the medical nature of the service that denotes whether something is an emergency, not where the service is administered.

Refer to the plan's Summary of Benefits and Coverage for more information. Carriers will generally only allow an employee to stay on the group insurance coverage for a set amount of time while they are overseas. After that time period expires, they will mark the employee as ineligible for group coverage.

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