Maybe it’s not the first thing that comes to mind when planning your trip, but uninsured travelers who encounter medical emergencies overseas often face extreme difficulties. Most U.S. medical insurance plans do not include coverage outside of the United States. Getting medical treatment and hospital care abroad can be very expensive, and, if you need it, a medical evacuation back to the U.S. can cost more than $50,000!

The U. S. consular officer at your local embassy can assist in locating appropriate medical services, informing family or friends, and even assist in the transfer of funds from back home. But ultimately, payment of hospital and other expenses is entirely your responsibility.

Check the terms of your health insurance policy, whether it’s your own, under your parents policy, or through your school. If you are not covered while out of the country, you may need to purchase additional coverage. Many travel agents and private companies offer plans that will cover health care expenses overseas including emergency services such as medical evacuations.

See a list of companies that offer overseas medical coverage and other services.