​From enjoying the stunning views at the Jupiter Lighthouse to taking a morning stroll along the Juno Beach Pier, life in our coastal community is beautiful. But when it’s time to leave Palm Beach County for an international adventure—whether that is a multi-generational Caribbean cruise, a European riverboat tour, or a long-term stay abroad—your focus should be on the journey ahead, not worrying about unexpected medical bills.

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At Healthy Florida Travel, we are proud to be the trusted, local travel insurance experts for seniors and retirees in Jupiter, Florida, and the surrounding areas. Located just down the road in North Palm Beach, we specialize in helping older travelers navigate the complexities of international travel health insurance.

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Mind the Gap: Why Jupiter Seniors Need Travel Insurance​​

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Many travelers assume their domestic health insurance will protect them wherever they go. Unfortunately, Original Medicare generally does not cover health care while you are traveling outside the United States.

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If you experience a medical emergency while traveling abroad, foreign hospitals often require upfront payment, and emergency medical evacuations back to South Florida can cost tens of thousands of dollars. We help you fill those risky healthcare gaps so you can travel with absolute peace of mind.

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Medicare Supplement (Medigap) vs. Medicare Advantage for International Travel

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When planning a trip abroad, it is vital to know how your specific Medicare plan handles international emergencies. While Original Medicare generally does not cover care outside the U.S., many Florida seniors carry additional coverage to help bridge the gap. Here is how Medicare Supplement (Medigap) and Medicare Advantage plans compare when you leave the country:

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Medicare Supplement (Medigap) Plans Medigap policies work alongside Original Medicare to help fill out-of-pocket healthcare costs. Depending on the exact letter of the plan you purchased, your Medigap policy might offer specific foreign travel emergency coverage.

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• What is covered: Medigap Plans C, D, F, G, M, and N cover 80% of the cost of foreign travel emergency care, up to the plan's lifetime limits.

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• What is not covered: Medigap Plans A, B, K, and L do not include any foreign travel emergency coverage.

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• The Bottom Line: Even if you have a Medigap plan that includes this benefit, you are still responsible for your 20% coinsurance (after any deductibles) and subject to the plan's strict maximum limits.

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Medicare Advantage (Part C) Plans Medicare Advantage plans replace Original Medicare and are managed by private insurance companies. Because these plans rely on specific provider networks, their international coverage rules are quite different.

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• What is covered: Generally, Medicare Advantage plans do not cover medical care outside the U.S.. However, some specific plans may offer an extra benefit that covers emergency and urgently needed services when you travel abroad.

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• The Bottom Line: You must check directly with your Medicare Advantage plan before traveling to find out exactly what is (and isn't) covered outside the U.S., as out-of-pocket costs and network rules vary widely from plan to plan.

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Why You Still Need Dedicated Travel Insurance Even if your Medigap or Medicare Advantage plan provides some foreign emergency benefits, it is rarely enough to fully protect your retirement savings. For instance, Medicare generally will not cover return ambulance trips home (such as an expensive medical evacuation) if you get hurt in a foreign country.

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Because of these severe limitations, the official guidelines from Medicare explicitly state that you can choose to buy a dedicated travel insurance policy to get more coverage for your trip. A comprehensive travel medical plan from Healthy Florida Travel fills these risky gaps by providing primary emergency medical coverage, paying for medical evacuations, and offering 24/7 global travel assistance.

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Comprehensive Protection for Your Next Trip

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We partner with top-rated carriers like Allianz, Atlas, and Cigna Global to match you with the exact coverage you need. Depending on the plan you choose, your coverage can include:

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• Emergency Medical & Dental: Coverage for unexpected illnesses, injuries, and hospitalizations abroad, including COVID-19 related emergencies.

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• Emergency Medical Evacuation: If you suffer a severe injury or illness in a remote area or at sea, comprehensive plans coordinate and pay for transportation to the nearest capable medical facility, or even back home to Florida.

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• Pre-Existing Condition Waivers: Don't let your medical history keep you from traveling! Many plans offer a Pre-Existing Medical Condition Exclusion Waiver if you meet specific requirements, such as purchasing your policy within 14 days of your first non-refundable trip payment or deposit.

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• Trip Cancellation & Interruption: Protect your financial investment. If you have to cancel your trip due to a covered serious illness, injury, or severe weather, you can be reimbursed for your non-refundable trip costs.

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• Baggage & Travel Delays: Reimbursement for essential items if your luggage is delayed, or for meals and accommodations if your travel carrier experiences a covered delay.

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Why Choose a Local Broker?​

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You could buy travel insurance from a faceless 1-800 number, but when an emergency happens, you want someone in your corner.

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Healthy Florida Travel has been insuring Florida seniors since 2001. Because we are an independent, local agency based right here on US Highway 1 in North Palm Beach, our consultations are always 100% free. We take the time to understand your specific itinerary, your age bracket, and your medical concerns to find you the best possible rate.​​​

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