If you’re planning to leave the U.S., don’t assume your Medicare plan goes with you. Original Medicare typically doesn’t cover care abroad; however, Medigap foreign travel coverage 2025 can protect in medical emergencies while traveling overseas.
Skyline Benefit is a trusted Medicare insurance broker helping seniors compare Medigap plans with built-in international emergency benefits — so you can travel with peace of mind and avoid costly medical bills abroad.
What Is Medigap Foreign Travel Emergency Coverage in 2025?
Medigap, also known as Medicare Supplement Insurance, helps fill the gaps in Original Medicare — including limited emergency coverage for care received outside the U.S. This benefit applies only to medical emergencies and is available under select plans.
Which Medigap Plans Cover Foreign Travel?
As of 2025, the following Medigap plans include foreign travel emergency benefits:
- Plan C
- Plan D
- Plan F
- Plan G
- Plan M
- Plan N
Note: Plans E, H, I, and J also included this benefit but are no longer available to new enrollees.
How Does Medigap Foreign Travel Coverage Work in 2025?
If you have a qualifying plan, here’s how your international emergency benefits typically apply:
- You pay the first $250 of any foreign medical care each year
- After the deductible, the plan pays 80% of the remaining costs (you pay 20%)
- There’s a $50,000 lifetime limit per policy
- Coverage only applies within the first 60 days of your trip abroad
- Only emergency medical services are covered
Where Is Medigap Travel Coverage Accepted?
Medigap foreign travel coverage applies outside the U.S. and its territories, including most international countries. However, it does not apply in:
- U.S. territories (Puerto Rico, Guam, U.S. Virgin Islands, American Samoa)
- Cruise ships within U.S. waters
- Domestic travel or routine care within the U.S.
Should You Use Medigap Travel Coverage or Buy Travel Insurance?
Medigap’s travel benefit is ideal for short trips abroad when you want basic emergency protection. But it’s limited — no coverage for trip cancellations, luggage, or non-medical emergencies.
For longer stays or broader protection, pairing your Medigap plan with a dedicated travel insurance policy is often the smarter move. Skyline Benefit can help you choose the right combination of coverage, ensuring you’re neither underinsured nor overpaying.
Why Travelers Still Choose Medigap Plans with Travel Protection?
If you’re retired and love to travel, having a Medigap plan that includes international coverage can help you:
- Avoid major out-of-pocket medical costs
- Get urgent treatment while traveling without delay
- Travel with added peace of mind
- Access care in countries where Medicare doesn’t apply
Medical emergencies abroad are unpredictable. This benefit makes sure you’re not left stranded — financially or medically.
How Skyline Benefit Helps You Find the Right Medigap Plan
Not all Medigap plans include foreign travel coverage — and not every plan fits your needs. Skyline Benefit helps you:
- Compare plans with and without international emergency coverage
- Understand cost-sharing, deductibles, and lifetime limits
- Choose a plan that fits your health profile and travel lifestyle
We’re a licensed Medicare broker based in California — and we make enrollment simple, strategic, and stress-free.
Need Help Choosing a Medigap Plan with Foreign Travel Coverage in 2025?
Skyline Benefit is an independent Medicare insurance broker that offers affordable and flexible Medicare options. We specialize in Medicare Supplement Insurance and helps California residents find plans that fit their health and travel needs.
Schedule a consultation today. Call us at: (714) 888-5112