As booger said you need a high limit credit card to pay first and file for reimbursement. You should check your current insurance as it may cover travel. It depends on the in/out of network guidelines. Since we can get reimbursed and since medical costs in most countries is much lower than US we do not buy those type of policies. What we get is MedjetAssist. Once you are hospitalized they will get you back to your home hospital. This meets our needs and is very affordable especially with the multi-year options.