If you already have an existing individual health insurance plan in America and need medical care in the country you’re typically covered by the plan. However once you leave American shores the coverage usually stops. Even if you’re travelling on U.S. waters in a ship that’s foreign-flagged you may not be covered.

In addition, if you are covered for basic medical and emergency care in other nations, there’s a good chance that the health care insurance won’t cover the costs to send you back to the USA. However, there is a type of insurance to cover this and it’s called medical evacuation and repatriation insurance.

This is a good idea for people who travel often, especially those who aren’t in the greatest of health. It’s generally sold with an annual premium instead of being sold for each separate trip. If you become ill overseas or suffer injuries from an accident, the plan will cover you for treatment as well as the trip back home. There are several insurance providers that specialize in this type of travel insurance.

The yearly cost for medical evacuation and repatriation insurance is about $300. It’s an ideal way to travel the world with the peace of mind knowing that you’ll be well taken care of. However, the policies vary, so make sure you know exactly how they work and what is and isn’t covered.

Some plans will makes sure you receive medical treatment and will then send a medically-equipped plane to take you to your choice of medical facility. Some insurers offer policies that will pick you up, but will take you to whatever medical facility they choose. Many foreign hospitals will treat you, but won’t release you until payment is taken care of. Travel insurance will guarantee that the hospital is paid and you’re free to go.