Who Pays Insurance If You Get Injured In a Foreign Country

Vacationing in a foreign country is an exciting experience that allows you to learn new skills and experience different cultures. However, the biggest challenge that can affect your trip is getting injured abroad. There are different aspects that you should consider to reduce your risk of injury, but it’s also important to understand what actions to take if you get injured despite your best efforts. Read on for more details on who should pay you insurance compensation if you get injured in a foreign country.

Health Insurance

It is vital to find out if your private health insurance covers injuries that occur abroad. You need to read your policy carefully or call your insurance company for more details. If the policy does not cover injuries outside the US, you should consider purchasing supplemental insurance before your trip. If your medical policy covers injuries abroad, it does not reimburse the healthcare provider in a foreign country directly. Instead, you have to pay out-of-pocket to get treatment then your insurance company will pay you back your money when you return home. 

There is no other option unless you can request a friend to send you money abroad when you face a medical emergency. It is essential to get more information about how the healthcare system in the country you intend to visit works. If you have Medicare, you should know that it does not provide coverage outside the US. The only exception where you can get coverage is when you are injured on a ship that is within the territorial waters of the US. 

Travel Insurance

Before you visit a foreign country, you should ensure that you get the right travel insurance that provides you coverage if you are injured. Your auto insurance or private medical insurance might not offer coverage when you are injured in a foreign country. If you have travel insurance, you may only pay for minor claims since it covers the rest of your medical requirements when you are abroad. For instance, you may pay a bill for consultation and drugs then claim the money when you get to your home country. You should make sure that you keep all the receipts for the medical expenses you incur while in a foreign country. Before you get travel insurance, you must check its coverage in other countries.    

Seek Legal Advice From Your Attorney

It is critical to seek sound legal advice from your attorney before you travel abroad to understand the steps you need to take should something befall you when you are far away from home. The expert Kentucky-based attorneys at https://www.kentuckycourage.com/personal-injury-attorneys/ explain that personal injury lawyers will gather the evidence needed to hold relevant insurance companies and liable parties accountable if you were injured while traveling to get the compensation you deserve. They can also negotiate with the other parties involved on your behalf to ensure that you get a fair settlement. 

Get Emergency Evacuation Insurance

You can consider the option of getting emergency evacuation insurance when you travel abroad. This policy prevents you from getting stuck in a foreign land if you require specialist care back home or another hospital. If you are seriously injured, you may require special attention from medical specialists who may not be available in the host country. This is when your evacuation insurance comes in handy when you need to be taken to a place where you can get the right treatment.

Many health insurance companies usually pay customary hospital costs abroad, but very few pay for medical evacuation back to the US. However, before you get an evacuation policy, you must check the benefits offered by your credit card. Some premium cards provide evacuation services to the nearest hospital. These cards also offer other accident benefits that can make your life easier when you are injured in a foreign country. 

Hotel or Accommodation Negligence

If your injuries were caused in your hotel, you might consider making a personal injury claim. However, this route can be complicated and expensive for independent travelers to make personal injury claims. Injury laws and claims procedures vary in different jurisdictions, and this can affect your case. You can only make a compensation claim in the host country where you have been injured. Therefore, you must get legal advice before you attempt to file an injury claim.  


Other insurance companies offer a telemedicine option if your health insurance does not provide coverage outside the US. Regardless of your current location, you can contact your healthcare provider back in the US to discuss your predicament. You will get advice about the steps that you should take to get treatment in a foreign land. You need to check with your insurance company first to establish if they have this service. 

Traveling abroad is a wonderful experience that allows you to expand your horizons and experience different cultures. However, your trip can be ruined or cut short if you get injured on your travels. You need to understand how various insurance policies work in foreign lands to help you get the medication you need to salvage your trip if your injury wasn’t serious. That is why it is always a good idea to consult your insurance provider before you leave the country.