You can’t assume your insurance will go with you when you travel. It’s very important to find out before you leave. You should ask your insurance company two questions:
(1) Does my policy apply when I’m outside the United States?
(2) Will it cover emergencies like a trip to a foreign hospital or an evacuation?
In many places, doctors and hospitals still expect payment in cash at the time of service. You can’t simply give them your insurance card and expect it will go through. If your policy doesn’t go with you when you travel, it’s a very good idea to purchase a separate policy for your trip.
The Social Security Medicare Program does not provide coverage for hospital or medical costs outside the United States.