Tis the Season for Travel—and for Protecting Yourself Along the Way

By Julie Meissner

As the holiday season approaches, airports will soon fill with families heading home, retirees chasing sunshine, and adventure-seekers trading office views for mountain peaks or distant coastlines. Whether your plans take you across the country or across the ocean, there’s one piece of preparation that too often gets overlooked: making sure the right kind of travel and medical insurance protects you.

At Treehouse Wealth, we love the spirit of adventure, discovering new places, creating lasting memories, and embracing the journey. But we also know that smart adventures start with good planning. Just as you wouldn’t set out on a road trip without checking the map, you shouldn’t embark on travel, especially abroad, without knowing how your health coverage will (or won’t) protect you.

Why Your Regular Health Insurance May Not Be Enough

Many travelers assume their existing health plan will cover them wherever they go, but that’s not always the case. Most U.S. health insurance policies have limited or no coverage outside the country, and even domestic travelers may run into issues with out-of-network providers. Medicare, for example, generally doesn’t cover medical costs incurred outside the U.S. or its territories.1

If you’re traveling internationally and end up needing care such as a visit to a local hospital for food poisoning or an unexpected fall while hiking, the cost can be staggering. According to The Wall Street Journal, travelers without insurance can face thousands of dollars in out-of-pocket medical bills abroad, and evacuation or air-ambulance costs can easily reach tens of thousands of dollars.2

Travel medical insurance can bridge that gap, ensuring that you’re protected not only for unexpected medical care but also for emergency evacuation, hospital stays, or even repatriation if needed.

When Domestic Coverage Still Falls Short

Even within the U.S., medical costs can surprise you when you’re far from home. Some plans require higher out-of-network deductibles or lack urgent-care partnerships in certain areas. A short ski trip or winter getaway could quickly turn into an expensive detour if you need emergency care.

Adding domestic travel insurance can help cover gaps, from trip cancellations due to illness or severe weather to reimbursement for unexpected medical expenses not covered by your primary plan. It’s peace of mind that lets you focus on the adventure instead of the “what ifs.”

What Travel and Medical Insurance Typically Covers

While policies vary, most plans include some combination of the following:

• Emergency medical coverage: Pays for unexpected illness or injury while traveling.
• Medical evacuation and transport: Covers costs to get you to a facility equipped to treat you—or even back home.
• Trip cancellation/interruption: Reimburses prepaid, non-refundable expenses if you need to cancel or cut a trip short due to illness, injury, or emergencies.
• Lost luggage and travel delay coverage: Helps replace essentials or compensate for delays that disrupt your trip.

Choosing a plan often depends on where you’re going, how long you’ll be away, and what kind of activities you’ll be doing. A weekend in New York carries different risks than trekking through Patagonia or skiing in Colorado.

Smart Coverage Is Part of Smart Planning

If you’re already reviewing your end-of-year finances, checking off benefits, reviewing insurance renewals, or fine-tuning your health savings accounts, this is the perfect time to add travel insurance to your list. It’s not just about preventing financial loss; it’s about safeguarding your experience.

For families traveling with children or older relatives, that protection can be even more important. And for retirees embarking on bucket-list trips, a travel medical plan can ensure that your adventures are memorable for all the right reasons.

Adventure with Confidence

At Treehouse Wealth, we believe that adventure and preparation go hand in hand. The joy of exploration, whether it’s visiting family for the holidays or finally taking that long-awaited trip abroad, comes from knowing you’ve planned well enough to relax and truly enjoy it.

Before you pack your bags, take a moment to review your health and travel coverage. A little planning now can help protect both your health and your wallet later. It’s the kind of security that keeps your next adventure worry-free.

The holidays remind us that life’s greatest journeys often begin with intention. Protect your plans, your health, and your peace of mind—so no matter where the season takes you, you can embrace the adventure ahead with confidence.