Travel Coverage That Goes Where You Go
We help Michigan travelers find international medical insurance so a health emergency abroad doesn't become a financial one at home.
Why Your Health Insurance Stops at the Border
Medicare does not cover medical care outside the United States. In most cases, neither does Medicare Advantage. If you travel internationally — or spend winters in a warmer state — a gap in your coverage is following you there.
Travel medical insurance fills that gap. It covers emergency care, hospitalization, and evacuation costs while you are away, so a medical event overseas doesn't drain your retirement savings before you get home.
GeoBlue International Travel Medical Insurance
We offer travel coverage through GeoBlue, a leading provider of international health insurance for U.S.-based travelers. GeoBlue plans are designed specifically for Americans traveling or living abroad, with access to a vetted global network of physicians and hospitals.
What GeoBlue coverage typically includes:
- Emergency and urgent medical care outside the U.S.
- Hospitalization and surgery abroad
- Medical evacuation and repatriation
- Prescription coverage while traveling
- 24/7 multilingual assistance and care coordination
- Access to GeoBlue's curated network of international providers
Plans are available for single trips, multiple trips per year, and extended stays — including long-term options for snowbirds and frequent international travelers.
Who This Coverage Is Built For
Travel medical insurance is worth a close look if you fall into any of these situations:
- Turning 65 or recently enrolled in Medicare — and planning to travel internationally for the first time as a Medicare beneficiary
- Snowbirds — spending part of the year in Florida, Arizona, or another warm-weather state where your primary network may not apply
- International travelers — visiting family abroad, taking a cruise, or traveling to Europe, the Caribbean, or elsewhere outside the U.S.
- Retirees on extended trips — spending weeks or months outside the country and needing continuous medical coverage during that time
- Anyone with a Medicare Supplement plan — some Medigap plans include limited foreign travel emergency coverage; we can help you understand what you already have before adding a separate policy
A Word on Snowbird Coverage
If you split your time between Michigan and a southern state, travel medical insurance may not be what you need — the right answer often depends on your current Medicare plan and how your benefits travel with you.
We work through that with clients regularly. Whether the right move is adjusting your Medicare Advantage network, reviewing your Medigap benefits, or adding a dedicated travel policy, we will help you find coverage that actually works for where you spend your time.
Frequently Asked Questions About Travel Insurance
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Does Medicare cover me if I get sick outside the United States?
In most cases, no. Original Medicare (Parts A and B) does not pay for medical care received outside the U.S. Some Medigap plans include a limited foreign travel emergency benefit, but it comes with a lifetime cap and a deductible. Medicare Advantage plans vary — most do not provide international coverage beyond emergency care on a cruise ship. Travel medical insurance is the most reliable way to fill this gap.
What is GeoBlue travel insurance?
GeoBlue is a specialty insurer that provides international health coverage for U.S.-based travelers. Their plans give you access to a global network of vetted providers, emergency medical care abroad, evacuation benefits, and 24/7 assistance — all designed around the needs of American travelers, including Medicare-age adults.
Is travel insurance different from trip cancellation insurance?
Yes. Travel medical insurance covers the cost of medical care if you get sick or injured while traveling. Trip cancellation insurance reimburses prepaid travel costs if you have to cancel or cut a trip short. Some policies combine both; others cover only one. We help you understand which type of coverage matches your actual concern.
I spend winters in Florida. Do I need travel insurance or a different Medicare plan?
It depends on your current coverage. If you have a Medicare Advantage plan, your benefits may be limited to your home network — which could leave you without coverage for non-emergency care in Florida. A Medigap plan, by contrast, generally travels with you anywhere in the U.S. We can review your current plan and help you decide whether a coverage adjustment or a supplemental policy makes more sense for your situation.
How much does travel medical insurance cost for seniors?
Premiums vary based on your age, trip length, destination, and the level of coverage you choose. Short single-trip plans are often very affordable. Extended or multi-trip annual plans cost more but can be a better value for frequent travelers. We can walk you through specific options once we know your travel plans.
Questions About Travel Coverage? Let's Talk.
Whether you're planning an international trip, spending winters out of state, or just trying to understand what your current Medicare plan covers abroad, we're glad to help. Call us at (833) 647-5267, email richard@mimedicareplans.com, or book a time that works for you.