Summer Travel? Don’t Forget to Pack Your Health Insurance!

Ah, summer—longer days, warmer weather, and a perfect time to hit the road or hop on a flight for that much-needed vacation. Whether you're exploring new cities, heading to the beach, or visiting family across the country, there’s one travel essential that often gets overlooked: your health insurance.

While it might not be as exciting as your sunscreen or flip-flops, understanding your health coverage while traveling can save you stress, time, and money if the unexpected happens.

Why Health Insurance Matters When You Travel

Illness and injuries don’t take a vacation—accidents, food poisoning, sunburn, or even a sprained ankle on a hike can land you in a doctor’s office or urgent care center.

If you’re unprepared, you could end up paying out-of-pocket or navigating a confusing claims process when you return home.

5 Health Insurance Tips for Summer Travel

• HMO plans may require pre-authorization or only cover urgent/emergency care out-of-network.
• PPO plans usually offer more flexibility, including out-of-state care.
• Medicare generally covers emergencies nationwide but has limitations abroad.

🔍 Pro tip: Call your insurance provider, insurance broker or check your member portal before you travel.

2. Make a List of In-Network Providers

If you're traveling within the U.S., your insurer likely has a nationwide provider directory. Look up urgent care centers, clinics, or hospitals near your destination that are in-network—just in case.

3. Take Your Insurance Info With You

Always carry your insurance card, or keep a digital copy on your phone. Some insurers also have apps with telehealth options, prescription details, and provider search tools.

4. Consider Travel Health Insurance for International Trips

If you're going abroad, your U.S. health insurance may not cover you outside the country—or may provide only limited emergency coverage.

• In this case, consider buying travel medical insurance, which covers things like:
• Emergency medical treatment
• Medical evacuation or airlift
• Trip cancellation due to health issues

🧳 Travel insurance is often inexpensive and can give major peace of mind if you're overseas.

5. Use Telehealth for Minor Issues

Many insurance plans now offer 24/7 virtual visits with doctors. If you come down with a rash, sinus infection, or stomach bug, you may be able to talk to a provider without leaving your hotel room.

Bonus: Pack a Travel Health Kit

Bring a few essentials along, especially if you’re heading somewhere remote:

• Prescription meds (enough for your whole trip)
• Pain relievers
• Allergy meds
• First aid items (band-aids, antiseptic wipes, etc.)

Final Thoughts: Don’t Leave Coverage Behind

Before you head out on your summer adventures, take a few minutes to review your health insurance coverage. You’ll travel with more confidence—and be ready if you or a family member needs care. Because the only surprises on your trip should be sunsets and scenic views—not medical bills.

Need help understanding your current health insurance while traveling? Contact your Human Resource Department, insurance carrier or work with a licensed health insurance agent to ensure you're covered no matter where summer takes you.