We recommend that you review your insurance programs and the coverage they offer when you are traveling. Many insurance plans offer little or no medical coverage when you are travelling domestically outside your coverage area, and often offer no coverage when you travel outside your home country.
The US State Department advises US clients that Medicare and most US health insurance companies do not provide medical coverage for them abroad (on page 3 of US Passport). Be sure to determine the exact benefits or lack of benefits your insurance programs provide before traveling. For example, find out how much your deductible is for lost or stolen baggage. Homeowner's and rental policies usually have high deductibles in the event of lost or stolen baggage when traveling.
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