Illustration of a hand holding a travel card toward a coastal town across calm water

Medical costs abroad

For US travelers

Getting sick abroad is a money question. Here is the honest map of it.

Checked Aug 2026

Start from the fact that reorganises everything: Medicare pays essentially nothing outside the United States, and most US health plans pay little or nothing abroad. So the useful question is not whether you are covered, it is what the country you are standing in does with an uncovered visitor. The answer has a small number of honest shapes, and they are worth knowing before you choose what to insure.

Some countries bill you the full non-resident rate in an excellent system. One treats you free at the door and charges you the moment you are admitted. One covers your accident and not your illness. Some want money before they will treat you. And in some, the bill that matters is not the ward at all, it is the flight to a country that can treat you. The map below colours each country by which of those is true there, in the words of that country's own page, and each page tells the fuller story.

The map

Your US health plan almost certainly does nothing here. So then what?

Medicare pays essentially nothing outside the United States, and most US health plans pay little or nothing abroad. That part is the same everywhere. What differs, country by country, is what happens next, and that is what the colour shows: not a price, but the specific way each country handles a sick visitor's money, in the words of that country's own page. Grey means we have not checked yet, never that there is nothing to pay.

True Trip CostsEach colour is a claim the country's own page makes. Checked Aug 2026.

Equal-area projection, so a country's size on the map matches its size on the ground rather than being inflated by its latitude. Countries too small to draw at this scale carry a dot where their page makes a claim.

What each colour claims

  • Pay in full, no local safety net. The public system covers its own people and you are outside it, billed the whole amount as a private or non-resident patient.
  • Free at the door, charged if admitted. The walk-in and the emergency visit are free to visitors. The exemption stops when care continues as an admission, and the inpatient bill is real.
  • Accidents yes, illness no. A no-fault scheme covers visitors injured in an accident. Falling ill is not covered at all, so which one happened decides the bill.
  • Deposit before treatment. Providers want payment, a deposit or proof of insurance before they will treat or admit you, and care can be refused without it.
  • Evacuation is the real cost. The serious case is treated somewhere else, so the bill that matters is the transfer or the flight, not the local ward.
  • Routine affordable, cover the big event. Everyday care is accessible and inexpensive enough to pay for yourself. Cover is for the rare catastrophe and the flight home.
  • Not yet checked. Most of the grey is countries outside the 59 we cover, and the rest are pages the health wave has not reached yet. Either way it never means care is free or cheap there: grey is the absence of our work, not the absence of a bill.

How to read this without being misled

The part that is the same everywhere

Medicare pays essentially nothing outside the United States, and most US health plans pay little or nothing abroad, with reimbursement after the fact where they pay at all. That is the frame the whole map sits in. The colours answer the question that fact leaves open: given that your own cover stops at the border, what does this particular country do with you.

A category, never a cost

No colour here encodes an amount. Routine-care prices are mostly unsourceable to a standard we would defend, and a serious emergency has no single honest figure anywhere, so a price gradient would be fabricated precision. A category is a different kind of claim: it says what happens, it is sourced on the country's own page, and it stays true when a fee schedule changes.

Every colour is a quoted claim

A country is coloured only when its own medical costs page asserts the category, and the sentence doing the asserting is quoted on its row below. If that page is rewritten and the sentence goes, the build fails until the colour is re-verified. The map cannot say something the page does not.

The colour is the lead, not the whole page

Several countries honestly have two stories, full-price billing and real evacuation distance, or a deposit culture and a flight to somewhere better equipped. Each country carries the claim its page leads with, and the rest of the story is one click away on the page itself. Nothing here ranks countries, and light against dark means nothing.

Every country, in its page's own words

We hold a verified exposure category on 59 of the 59 countries we cover so far, assigned by reading each country's medical costs page rather than from general knowledge, and the sentence that justifies each one is quoted on its row. The health wave is landing in batches, so this list grows without this page changing shape.

Pay in full, no local safety net

22 countries

The public system covers its own people and you are outside it, billed the whole amount as a private or non-resident patient.

Argentina“public hospitals now bill non-residents for non-emergency care, and Argentina expects you to arrive already insured”Checked Aug 2026Australia“The United States is not among them, so an American visitor pays the full cost of care.”Checked Aug 2026Austria“You are treated as a private patient and billed.”Checked Aug 2026Bahrain“Visitors are charged for treatment, with only a partial government subsidy at public facilities”Checked Aug 2026Canada“You are billed as a non-resident, at published rates that are genuinely high.”Checked Aug 2026Denmark“What you are insuring here is the price of an admission in an expensive country, not the problem of reaching one.”Checked Aug 2026Germany“A visitor is treated as a private patient and invoiced, with physician fees set by a regulated schedule.”Checked Aug 2026Hong Kong“the Hospital Authority publishes a price list for people who are not Hong Kong residents, and you are on it”Checked Aug 2026Ireland“A visitor pays the non-EU emergency department rate and, if admitted, the full cost of the bed plus the consultant.”Checked Aug 2026Japan“A resident covers about a third of the bill. You cover all of it, at the counter, before you go.”Checked Aug 2026Kuwait“the practical route for a short-stay visitor is a private hospital paid out of pocket”Checked Aug 2026Morocco“The private clinics where a visitor is treated expect payment up front”Checked Aug 2026Netherlands“You pay as an uninsured patient and claim from your own insurer.”Checked Aug 2026Norway“Norway's public health service is funded for residents, and a visitor from outside the EEA is charged the full cost of treatment.”Checked Aug 2026Oman“the public system is for citizens, and a visitor pays in full at private rates”Checked Aug 2026Qatar“visitors are charged for care, the realistic route is a private hospital at Western prices”Checked Aug 2026Saudi Arabia“The public hospitals are for citizens and residents, and a visitor is treated and billed in the private lane.”Checked Aug 2026Singapore“Visitors are not subsidised at all, and the difference is the entire story.”Checked Aug 2026South Korea“A short-stay visitor is a self-pay patient paying the full rate.”Checked Aug 2026Sweden“A visitor from outside the EU or EEA is charged the full cost of treatment.”Checked Aug 2026Switzerland“You are a private paying patient in one of the most expensive care markets in Europe”Checked Aug 2026United Arab Emirates“As a visitor you are uninsured locally unless you brought a policy, and both private and public facilities will charge you.”Checked Aug 2026

Free at the door, charged if admitted

1 country

The walk-in and the emergency visit are free to visitors. The exemption stops when care continues as an admission, and the inpatient bill is real.

Accidents yes, illness no

1 country

A no-fault scheme covers visitors injured in an accident. Falling ill is not covered at all, so which one happened decides the bill.

Evacuation is the real cost

13 countries

The serious case is treated somewhere else, so the bill that matters is the transfer or the flight, not the local ward.

Routine affordable, cover the big event

15 countries

Everyday care is accessible and inexpensive enough to pay for yourself. Cover is for the rare catastrophe and the flight home.

Brazil“Brazil's public system treats anyone in an emergency, tourists included, without a bill at the door”Checked Aug 2026Colombia“City medicine here is genuinely good, and paying for it yourself is a Colombian-sized problem, not an American one.”Checked Aug 2026Costa Rica“In San Jose the private hospitals are excellent, and the prices are Costa Rican rather than American.”Checked Aug 2026Croatia“In season the coast runs marked tourist clinics, and the prices they charge are Croatian.”Checked Aug 2026Czechia“Prague medicine is excellent, and the self-pay prices are Czech, not American.”Checked Aug 2026France“France is an expensive country to break a leg in and an inexpensive one to catch something in.”Checked Aug 2026Hungary“you are treated first and billed after, and the bill that follows is a Hungarian one”Checked Aug 2026Italy“the health service treats you first and bills you at its own regulated rate, and that rate is modest by American standards”Checked Aug 2026Mexico“routine care in Mexico is fast, walk-in, and inexpensive”Checked Aug 2026Poland“treatment is generally substantially less costly than in the United States, and it is paid for on the spot, often in cash”Checked Aug 2026Portugal“the prices underneath it all stay southern European”Checked Aug 2026Spain“The bill is real, and it is a Spanish bill rather than an American one.”Checked Aug 2026Taiwan“Self-pay rates are modest, care is close, and a clinic visit or a minor problem is the kind of thing most people can absorb.”Checked Aug 2026Thailand“everyday care is walk-in, quick and inexpensive, and most visitors simply pay for it”Checked Aug 2026Turkey“The private hospitals in the big cities are modern, accredited and competitively priced.”Checked Aug 2026

Country by country

The full write-up for each country: who the system is for, what a visitor actually pays, how payment works on the ground, and the one sentence worth carrying. Each one lives in that country's guide and is checked and dated on its own page.

ArgentinaWhat does getting sick in Argentina cost a visitor?For decades the Argentine story was that the public hospital treated everyone, tourists included, for nothing. That era is ending: since the 2025 migration reform, public hospitals now bill non-residents for non-emergency care, and Argentina expects you to arrive already insured. Emergencies are still stabilized first.ArubaWhat does getting sick in Aruba cost a visitor?Aruba's medical story is the honest small-island one: one hospital serves the island, and the complex case flies out. The hospital is decent, the island is safe and close to the US, and none of that changes what happens when a case outgrows what one island facility can do.AustraliaWhat does getting sick in Australia cost an American?Australia reads as a low-risk country to an American: rich, English-speaking, sensible about healthcare. The catch is a specific one. Australia does have reciprocal health deals, with eleven countries, and the United States is not among them.AustriaWhat does getting sick in Austria cost a visitor?For a city trip, Austria is one of the calmer entries on this list. For a ski or mountain trip, there is a second bill that has nothing to do with the hospital.BahrainWhat does getting sick in Bahrain cost a visitor?Bahrain is the rare country on this page's map that publishes the answer. Visitors are charged for treatment, with only a partial government subsidy at public facilities, and the Ministry of Health posts its price lists for non-Bahraini patients, starting with the consultation fee itself.BrazilWhat does getting sick in Brazil cost a visitor?Brazil is one of the most reassuring pages on this site, and we are going to say so plainly: Brazil's public system treats anyone in an emergency, tourists included, without a bill at the door. The money question here is not whether you will be treated. It is whether you choose the private tier, and who pays for a flight home.CambodiaWhat does getting sick in Cambodia cost?The everyday side is manageable: Phnom Penh and Siem Reap have clinics used to foreign patients, and you walk in and pay. The part worth planning for is that Cambodia stabilises serious cases rather than treating them, so the real bill is the flight to Bangkok.CanadaWhat does getting sick in Canada cost an American?Canada is the country on this site where the gap between what Americans assume and what they will be billed is widest. It is next door, it has public healthcare, and none of that is arranged for you.ChinaWhat does getting sick in China cost a visitor?China is the clearest case on this site of a money-first medical system. The US government's language is unambiguous: payment before service or admission, even in emergencies, with a deposit for the ward. The skill is knowing how the paying works.ColombiaWhat does getting sick in Colombia cost a visitor?Colombia's big-city hospitals rank among the best in Latin America, and a visitor pays local prices for them, usually in cash. The two things to respect are the map, which thins out fast, and the elective-surgery trade, which carries a real warning.Costa RicaWhat does getting sick in Costa Rica cost a visitor?Costa Rica's medical story is a geography story. In San Jose the care is excellent and priced for Costa Rica. On the beaches and in the rainforest, where your trip actually is, the answer to anything serious is a ride back toward the capital.CroatiaWhat does getting sick in Croatia cost a visitor?Croatia does something almost charming with its summer crowds: it stands up marked tourist clinics along the coast and islands, under the national health insurer, timed to the season. That is the everyday answer. The serious answer still involves a boat.CzechiaWhat does getting sick in Czechia cost a visitor?Czech medicine is better than most Americans expect and priced for a country where doctors are paid in crowns. The part worth learning in advance is not the price. It is the mechanics at the front desk.DenmarkWhat does getting sick in Denmark cost a visitor?Denmark is one of the more reassuring countries on this list. Care is close, well run and quick to reach, and the financial question is a bill rather than a catastrophe.Dominican RepublicWhat does getting sick in the Dominican Republic cost a visitor?The Dominican Republic is one of the few countries where the US government states the money rule in a single sentence: medical care here requires upfront payment, even in emergencies. The second sentence it supplies is the size of the tail: a medical evacuation to the United States can cost well over 50,000 dollars.EcuadorWhat does getting sick in Ecuador cost a visitor?Ecuador's medical map is honest about itself: capable private hospitals in Quito, Guayaquil and Cuenca, and thin coverage exactly where its most famous trips happen. On the islands and in the Oriente, the serious case flies to the mainland, and that flight is the bill that matters.EgyptWhat does getting sick in Egypt cost a visitor?Egypt's medical money story starts at the cashier: hospitals expect payment, often in cash, before they will treat you. The second half is geography, because the places visitors actually go, the Red Sea coast, the desert, the temples upriver, sit a long way from Cairo's best hospitals.El SalvadorWhat does getting sick in El Salvador cost?El Salvador has a specific and slightly unusual shape: the doctors in the main private hospitals are frequently well trained, often in the US, while the emergency and ambulance layer around them is thin. That gap is what to plan around.FranceWhat does getting sick in France cost a visitor?France is where the honest answer is calmer than the reflex. Yes, you pay. No, a doctor's appointment is not going to be an American-sized number, because the tariffs are regulated.GeorgiaWhat does getting sick in Georgia cost?Georgia is the one country on this site where the insurance question is already settled for you: since January 2026 you cannot enter without cover. That changes the useful question from whether to buy a policy to whether the one you bought covers what you are actually going to do.GermanyWhat does getting sick in Germany cost a visitor?Germany has one of the densest, most capable hospital networks in Europe, and being uninsured there is a billing problem rather than an access problem.GreeceWhat does getting sick in Greece cost a visitor?Most American trips to Greece happen on islands, and that is what shapes this page. The everyday side is cheap and close. The serious case gets on a boat or a helicopter to Athens, and the US Embassy is explicit about who pays for the ride.Hong KongWhat does getting sick in Hong Kong cost a visitor?Hong Kong is unusually honest about this: the Hospital Authority publishes a price list for people who are not Hong Kong residents, and you are on it. The rates went up in January 2026.HungaryWhat does getting sick in Hungary cost a visitor?Hungary's emergency rooms treat everyone first, tourists included, and settle up afterwards. The tell about what settling up costs is who else is in the waiting room: Austrians and Germans who crossed a border to be treated here on purpose.IcelandWhat does getting sick in Iceland cost a visitor?Iceland is the size of a small US state with the population of a mid-sized town, and almost all of its serious medical capacity sits in one city. That single fact shapes the whole risk.IndiaWhat does getting sick in India cost a visitor?India runs two medical stories at once. Everyday care is fast and genuinely inexpensive. Private hospitals in India ask for an advance deposit before they will admit you, and that deposit, not the consultation fee, is what decides where and how quickly you are treated.IndonesiaWhat does getting sick in Indonesia cost a visitor?Indonesia's medical money story has two gates. The first is at the hospital desk: hospitals here, including the private ones in Bali, want a deposit or a guarantee before they will admit you. The second is the map: for the genuinely serious case, the answer is a flight, usually to Singapore.IrelandWhat does getting sick in Ireland cost a US visitor?Ireland is where a true fact about the health service becomes a false assumption about your bill. Public inpatient charges really were abolished. They were abolished for people entitled to public health services, and a US visitor is not one of them.ItalyWhat does getting sick in Italy cost a visitor?Italy will not ask for your card before it treats you. The surprises here are the paperwork kind: a single regulated rate, a public bill your US insurer may refuse to read, and a private sector that wants its money before you leave the building.JamaicaWhat does getting sick in Jamaica cost?Jamaica is close to home, which makes people relax about this, and the closeness is exactly what the number is built on. The US Embassy in Kingston publishes a figure for the serious case, and it is the most concrete thing on this page.JapanWhat does getting sick in Japan cost a visitor?Japan is a country where the per-visit price is reasonable and the payment mechanics still catch people out. A resident covers about a third of the bill. You cover all of it, at the counter, before you go.KuwaitWhat does getting sick in Kuwait cost?Kuwait is small, urban and well equipped, so unlike most countries on this list you are rarely far from a hospital. The catch is a different one: the public system is built around citizens, so as a visitor you are in the private lane and paying for it.LaosWhat does getting sick in Laos cost?Laos has the starkest medical geography of anywhere we cover. Serious care is not in the country, it is across the river in Thailand, and the honest planning question is not what a doctor charges but how you get across and how fast.MexicoWhat does seeing a doctor cost in Mexico?Good news for the small stuff: routine care in Mexico is fast, walk-in, and inexpensive. The part worth planning for is the rare, expensive emergency, where hospitals want payment up front, and a private hospital asks for a deposit before it will treat you.MoroccoWhat does getting sick in Morocco cost a visitor?Morocco's medical money story is two sentences long. The private clinics where a visitor is treated expect payment up front. And the country's capable medicine lives in a handful of cities, which matters enormously if your trip is the Atlas, the desert or the long road between them.NamibiaWhat does getting sick in Namibia cost?Namibia is the emptiest country we cover, and that single fact reorganises this whole page. The medicine in Windhoek is competent. The problem is that most of the time you are not in Windhoek, and the road there is long.NetherlandsWhat does getting sick in the Netherlands cost a visitor?The Netherlands is easy to be ill in, provided you use it the way it is designed. Almost everything runs through the GP, and turning up at a hospital instead is the mistake visitors make.New ZealandWhat does getting sick or hurt in New Zealand cost?New Zealand does something no other country on this site does: it covers visitors for accidents. It does not cover them for illness. Almost everything about the money here follows from which of those two things happened to you.NorwayWhat does getting sick in Norway cost a visitor?Norway has a strong public health service organised around its own residents, and a geography that makes reaching it the first question in half the country.OmanWhat does getting sick in Oman cost a visitor?Oman is a calm page with one Gulf-standard rule at its center: the public system is for citizens, and a visitor pays in full at private rates. Around it sit two Omani specifics, a country that already expects you to arrive insured, and a landscape that puts real distance between its beauty spots and its hospitals.PhilippinesWhat does getting sick in the Philippines cost a visitor?The Philippines has one of the more surprising medical-money stories on this site: demanding a deposit in a true emergency is a crime here, with prison terms attached. And yet private hospitals routinely ask for a deposit at admission, and discharge waits until the bill is settled. Both halves are true, and the line between them is the word emergency.PolandWhat does getting sick in Poland cost a visitor?Poland's medical money culture is pay-as-you-go: cash before treatment is normal, and private hospitals want payment or proof before admitting. The reassurance comes from the US government's own phrasing about what those payments amount to.PortugalWhat does getting sick in Portugal cost a visitor?The US Embassy in Lisbon puts it in one flat sentence: Portugal does not offer free medical treatment to visitors. What softens that sentence is everything around it, starting with a national health line that answers in English.QatarWhat does getting sick in Qatar cost a visitor?Qatar is the one Gulf country where the insurance question may be answered before you land, because it has tied health cover to entry for some visitors. Check the current rule, because it moves.Saudi ArabiaWhat does getting sick in Saudi Arabia cost a visitor?Saudi Arabia is the rare country that answers part of the insurance question at the border: a basic emergency policy from a Saudi-regulated insurer is bundled into the tourist visa itself. Knowing exactly what that policy is, and is not, is this page.SingaporeWhat does getting sick in Singapore cost a visitor?Singapore has some of the best hospitals in Asia and one of the clearest positions on who pays for them. Citizens are heavily subsidised. Visitors are not subsidised at all, and the difference is the entire story.South AfricaWhat does getting sick in South Africa cost a visitor?South Africa has two health systems living in one country. The private one is excellent, and it is where a visitor belongs; the private hospitals where a visitor belongs ask for a substantial deposit or proof of cover at admission. The public one is overstretched, and it is not the plan.South KoreaWhat does getting sick in South Korea cost a visitor?South Korea is one of the easier countries in Asia to be unwell in. Care is fast, modern and widely available, and the only real complication is that none of the national insurance is yours.SpainWhat does getting sick in Spain cost a visitor?Spain is direct about this in a way few countries are: care is not free for visitors, even in a public hospital, and leaving a bill unpaid can bar your next trip in. The reassuring half of the story is what the bill actually looks like.Sri LankaWhat does getting sick in Sri Lanka cost?Sri Lanka is reassuring on the everyday stuff and geographically lopsided on the serious stuff. Colombo carries the emergency and trauma capacity for the whole island, which makes where you are the first question, not what it costs.SwedenWhat does getting sick in Sweden cost a visitor?Sweden is two countries for this purpose. In the populated south, care is close and the question is simply the bill. North of that, distance starts doing the work.SwitzerlandWhat does getting sick in Switzerland cost a visitor?Switzerland runs one of the best health systems in the world and one of the least free. There is no NHS-style public service to fall outside of, because there is no free public service for anyone.TaiwanWhat does getting sick in Taiwan cost a visitor?Taiwan is the country on this list where the honest answer is most reassuring. The hospitals are excellent, the queues are short, and paying for it yourself is not the ordeal it would be almost anywhere else.ThailandWhat does getting sick in Thailand cost a visitor?Thailand runs two medical realities at once. The everyday one is a walk-in clinic that fixes you for pocket money. The serious one is a world-class private hospital that wants to know, before the ward door opens, exactly how the bill gets paid.The BahamasWhat does getting sick in the Bahamas cost a visitor?The Bahamas sits an hour from the best hospitals in the American Southeast, and that single fact organises its whole medical money story: the serious case flies to Florida, and the air ambulance is the bill that matters.TurkeyWhat does getting sick in Turkey cost a visitor?Turkey built a private hospital tier good enough that more than a million people a year fly in for treatment on purpose. As a sick tourist you get the same machine, at the foreigner's posted rate, with your card usually welcome.United Arab EmiratesWhat does getting sick in the UAE cost a visitor?The Emirates have built a private hospital sector that would be recognisable to anyone from Houston or Zurich, including the prices. As a visitor, that private sector is your route.United KingdomWhat does getting sick in the UK cost a visitor?Americans get the UK wrong in both directions at once. The walk-in really is free, including the emergency department. Being admitted really is not, and the bill is set above what the NHS charges itself.VietnamWhat does getting sick in Vietnam cost a visitor?Vietnam's honest medical geography has three tiers: the international clinics of Hanoi and Ho Chi Minh City for the everyday, local hospitals that stabilise, and then the region's hubs. Beyond the first tier, the serious case is treated in Bangkok or Singapore, so the bill that matters is the flight.

Every structural claim on these pages, who the public system covers, what a non-resident is charged, what is required before treatment, is checked against a primary source, State Department and embassy medical pages, the health authority or the scheme itself, and dated on the country's page. Where a routine-care price could not be sourced to that standard, the page says so by name rather than printing a guess, which is why most of these pages carry no price at all. This page prices nothing and diagnoses nothing: if something looks serious, get to care first and deal with the money afterwards. For how a trip's everyday money works, see cash or card by country, and for the charges that land on a hotel bill, hotel taxes and fees. More on how we work is on our methodology page.

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