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You can purchase decent short term travel medical insurance for trips betweem 15 days and one year which include treatment for illnesses. If you plan to travel for a year or longer, there are many options for annually-renewable travel medical insurance plans.
Persons considering foreign travel should determine what health insurance coverage, if any, they require while outside the United States. Medicare does not cover health care costs outside the United States and its territories, except under limited circumstances in Canada and Mexico. Some Medicare supplement plans provide travel medical insurance cover for foreign medical care as long as that care would be eligible for Medicare at home. Such plans often have a dollar ceiling, per trip. They are usually reimbursement plans, you have to be able to pay the bills and submit receipts for compensation later.
Before buying travel medical insurance, you should read travel medical insurance policies carefully. Ordinary travel medical insurance plans, often packaged with tours, may have an age limit and conventional travel health insurance policies aren't likely to cover you for pre-existing conditions. Such cover can be arranged but you have to read the fine print. As a rule, few travel medical insurance policies packaged with tours and tickets, will cover pre-existing conditions.
