The U.S. State Department recommends trip protection because most health insurance policies (including medicare)  won’t cover you abroad—it’s written right in your passport.

Allianz Travel Insurance, on the other hand, can help you find a pre-screened hospital, pay for your treatment, and get your vacation back on track if you have a covered medical emergency while traveling. It also comes with trip cancellation protection, emergency medical benefits, lost or stolen luggage protection, 24-hour assistance and concierge services, and more.