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SESK: Stuff Everyone Should Know · sesk.info/trav-govt-insurance

Does the US government provide insurance or pay costs for US citizens abroad?

No, buy your own coverage.

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  1. Yes, it covers hospital bills
  2. Yes, but only for flights
  3. No, State recommends buying travel medical insurance ✔

Why: State says the US government does not provide insurance or pay any costs for citizens abroad, and recommends considering travel medical insurance before the trip.

Huh, didn't know that: State says travel medical insurance should cover emergency medical care and medical evacuation.

The dad joke
Admitted to the hospital, I was told, "I am going to give you a bracelet." "Rubies and diamonds?" "No, but it costs just as much."
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References

Answer: No, State recommends buying travel medical insurance. State says the US government does not provide insurance or pay any costs for citizens abroad, and recommends considering travel medical insurance before the trip.

  1. State Dept: Traveler's Checklist travel.state.gov/content/travel/en/international-travel/before-you-go/travelers-checklist.html
    The U.S. government does not provide insurance or pay for any costs for U.S. citizens abroad
    Checked 2026-10-10.

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