Travel Insurance for Seniors on Medicare — Because Your Coverage Stops at the Border

What Medicare Actually Covers When You Travel

Original Medicare provides almost no coverage outside the United States. There are narrow exceptions — emergency care on a cruise ship within U.S. territorial waters, or in Canada if you're traveling the most direct route between Alaska and another state — but for the vast majority of international travel, Medicare simply doesn't apply.

Some Medigap plans do include foreign travel emergency coverage. Plans C, D, F, G, M, and N all carry this benefit, though it comes with a lifetime limit and a deductible. Medicare Advantage plans vary widely — some include international emergency benefits, many do not. If you're not certain what your current plan covers abroad, that's exactly the kind of question we sort out before your trip.

What Happens Without Coverage Abroad

A medical emergency overseas is expensive under any circumstances. Without coverage, the full cost falls on you directly — and that cost can be significant.

• Emergency medical evacuation from a remote destination can run $50,000 or more
• A hospital stay in Western Europe or Japan can exceed several thousand dollars per day
• Trip cancellation or interruption due to a medical event often isn't reimbursed without a travel protection plan
• Some countries require proof of travel medical insurance before they'll issue a visa

The goal isn't to plan for the worst. It's to make sure a single unexpected event doesn't overshadow a trip you've been looking forward to for years.

We Match the Right Plan to Your Trip

Travel insurance isn't one-size-fits-all, and the options available to seniors on Medicare are more varied than most people realize. The right plan depends on where you're going, how long you'll be there, what your current Medicare coverage already includes, and whether you want basic emergency medical coverage or broader trip protection.

We ask the right questions, compare plans across carriers, and match you to coverage that fits your actual trip — not a generic policy pulled off a shelf.

For Clients Who Split Time Between Two States

Some of our clients live in Greensboro and spend winters in Florida. Others have moved closer to family in another state and maintain ties in both places. If that sounds familiar, your Medicare coverage situation deserves a closer look.

Medicare Parts A and B work across all 50 states — any provider who accepts Medicare can see you regardless of where you are. But Medicare Advantage plans are built around local networks, and your plan's coverage may be limited when you're outside your home service area for extended periods. We help clients who divide their time between states make sure their plan actually works in both places — and add travel coverage where it makes sense.

Why Clients Trust Rob to Handle This

Rob Leonard has spent more than 21 years working exclusively in Medicare. He represents all major carriers — Humana, Aetna, UnitedHealthcare, BCBS, Cigna, Devoted, and others — so recommendations are based on what fits your situation, not what's available from a single company.

When you come into the Greensboro office, you sit down with Rob at dual monitors and walk through your options together. There's no pressure, no product push. You leave knowing exactly what your coverage includes, what it doesn't, and what you've chosen to do about it.

• Independent broker with no carrier quotas or sales obligations
• 90–96% year-over-year client retention rate
• Ongoing support after enrollment — Rob handles paperwork and stays on hold with insurers so you don't have to
• Succession plan in place with long-term colleague Ryan, so your coverage relationship continues