Can I Use US Health Insurance in Europe?

Shawn Plummer

CEO, The Annuity Expert

Health Insurance for Travel in Europe

You can not use U.S.-based health insurance in Europe (in most cases). You will need to buy a travel medical insurance policy.

U.S. Health Insurance Limitations

  • Inapplicability in Europe: Most U.S. health insurance plans do not provide coverage in Europe.
  • Emergency Coverage Exceptions: Some plans may cover emergencies, but it’s rare and often limited.

Necessity of Travel Medical Insurance

  • Travel Medical Insurance: Essential for coverage in Europe. It covers accidents, illnesses, and medical emergencies.
  • Benefits: Travel insurance typically includes evacuation, repatriation, and 24-hour assistance services.

How to Get Travel Medical Insurance

  • Purchase Before Travel: It’s crucial to buy a policy before your trip.
  • Choose Appropriate Coverage: Select a plan that suits the length and nature of your trip.
  • Understand Policy Details: Be aware of coverage limits, exclusions, and the process for filing claims.


Traveling from the U.S. to Europe requires an understanding that U.S.-based health insurance is generally not valid. To ensure medical coverage, obtaining a travel medical insurance policy is essential. This insurance provides comprehensive coverage for a range of medical situations, offering peace of mind during your travels. Contact us today for a free quote.

Need Help Purchasing Travel Medical Insurance?

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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