# What happens if I have a medical emergency abroad?

> Call the local emergency number, get treated, and expect to pay upfront unless your travel insurance arranges payment; the US embassy can help find care.

You will be treated at a local hospital or clinic, but you will usually have to pay for it. Many hospitals abroad ask for payment or a guarantee before or right after treatment, and most US health plans, including Medicare in nearly all cases, do not cover care abroad. Travel medical insurance pays the bills or reimburses you and can arrange evacuation if needed.

## What to do in an emergency

1. **Call the local emergency number:** 112 works across the EU and in many other countries; save the number for your destination before you travel.
2. **Call your travel insurer's 24/7 assistance line** as soon as possible. Insurers can find a hospital, guarantee payment and arrange transport home.
3. **Contact the nearest US embassy or consulate** if you need help: they can provide lists of local doctors and hospitals, contact your family and help with money transfers, but they do not pay medical bills. From the US, the State Department's overseas citizens line is 1-888-407-4747; from abroad, +1-202-501-4444.
4. **Keep every document:** receipts, medical reports and prescriptions, for your claim.

## Before you go

- Check what your health plan covers abroad.
- Buy travel medical insurance with high limits and medical evacuation, especially for remote destinations or cruises.
- Carry a list of medications, allergies and your insurance details.
- Enroll in the State Department's STEP program so the embassy can reach you.

## FAQ

**Can I use my US health insurance abroad?**
Some plans cover emergencies abroad and reimburse you later, many don't. Medicare generally doesn't. Call your insurer before the trip.

**Can I get free healthcare in another country?**
Usually not as a tourist. Some countries treat emergencies first and bill later, but costs are your responsibility.

**What should I do if I get sick overseas?**
For minor illness, visit a pharmacy or a clinic; for serious symptoms, go to a hospital or call emergency services and notify your insurer.

**Is international medical evacuation expensive?**
Yes, an air ambulance can cost tens of thousands of dollars or more, which is why evacuation coverage matters.

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https://inyourtravel.com/what-happens-if-i-have-a-medical-emergency-in-another-country/ · In Your Travel · Checked 2026-10-30