Existing health coverage abroad
Confirm what your domestic health insurer pays outside the United States and whether claims must be filed there first.
Policy maximum and deductible
Compare the medical limit, deductible and any coinsurance or cost-sharing structure.
Payment and provider access
Check whether the traveler pays first and seeks reimbursement, whether direct payment can be arranged, and how assistance services work.
Exclusions and medical history
Read pre-existing-condition, preventive-care, routine-care and activity-related exclusions.
Claim file
Keep medical records, itemized invoices, proof of payment and insurer or assistance correspondence.