Many providers outside the US will not take US health insurance. You would need to pay upfront and be reimbursed by your insurance. Also, in the event of an emergency and you need to be evacuated your regular health insurance may not cover it. I purchased insurance last year for a family of 5 for about $130 (total). This covered our flights, hotel, cruise, luggage, medical, medical evacation, etc. I bought it through insuremytrip.com. You can check out several options at different costs. I highly recommend getting it. There's a recent post one on these message boards about a flight being cancelled due to the snow in the northeast this weekend. The people missed their cruise due to the cancellation and didn't have insurance. Hope this helps.