Insurance regulation and consumer help
- NAIC: Travel Insurance — consumer overview of travel-insurance products and exclusions.
- NAIC: State Insurance Departments — find the insurance regulator for your state or jurisdiction.
Health care and insurance abroad
Visa and destination requirements
- European Commission: Schengen travel medical insurance.
- U.S. State Department: International Travel.
Entry rules and insurance requirements can change. Check the official authority for the traveler’s citizenship, residence, visa type and destination.
Policy-level verification
For a specific plan, use the insurer’s current certificate or policy form, schedule of benefits, state-specific notices, assistance instructions and claim documentation list. If a marketing summary conflicts with the certificate, the certificate governs according to the policy terms.