For seniors with Medicare A and B and Medigap, you need the travel insurance policy! Some Medigap policies do have an add-on for partial coverage when out of the US.
My mother had a serious injury on a top-end, small-boat cruise, in the middle of one of the more remote parts of the planet. The shipping company dumped her off on a tiny island. Getting her out of there cost many tens of thousands of $$$, and that was around 25 years ago. She and her husband had travel insurance, but much of the cost was out-of-pocket and had to be approved for reimbursement, well after the incident.
For seniors with Medicare A and B and Medigap, you need the travel insurance policy! Some Medigap policies do have an add-on for partial coverage when out of the US.
My mother had a serious injury on a top-end, small-boat cruise, in the middle of one of the more remote parts of the planet. The shipping company dumped her off on a tiny island. Getting her out of there cost many tens of thousands of $$$, and that was around 25 years ago. She and her husband had travel insurance, but much of the cost was out-of-pocket and had to be approved for reimbursement, well after the incident.