The last thing you plan to do when you travel is get sick, but occasionally it happens. The quickest way to drain your savings to to seek medical care when you don’t have insurance. The first thing to do is make sure you have adequate travel insurance

Several countries have reciprocal health care agreements which allow you to visit a doctor in a foreign country and still be covered by your medical program back at home. These countries are usually part of the Commonwealth, or any other country that has a formal health care system… in other words if you are from the US or travelling there, you are out of luck – better have some insurance!

Reciprocal Health Care Agreements: Country-By-Country Checklist
Countries Outside the European Economic Area

 

Country Documents needed Should be free You’ll pay for Other information
Anguilla Proof of UK residence (e.g. NHS medical card or UK driving license). Minor emergency treatment. Hospital in-patient and out-patient treatment. Hospital accommodation Dental treatment. Prescribed medicines. Ambulance travel. Family-doctor-type treatment is available at out-patient clinics. A charge is made.
Australia Proof of UK residence (e.g. UK passport or NHS medical card) and temporary entry permit. Public hospital treatment (this includes renal dialysis, but you must make advance arrangements before leaving the UK. Please ask your NHS renal unit for further details). Treatment at most doctors surgeries. Prescribed medicines. Ambulance travel. Dental treatment. You will need to enroll at a local Medicare office but this can be done after you get treatment. Some doctors charges may be partially refunded by the Medicare scheme. Claim at the local office before you leave.
Barbados UK passport (or NHS medical card if not a UK national). Hospital treatment. Treatment at polyclinics. Ambulance travel. Prescribed medicines for children and the elderly. Dental treatment. Prescribed medicines.
British Virgin Islands Proof of UK residence (e.g. NHS medical card or UK driving license). Hospital and other medical treatment for persons aged 70 or over and school-age children. Other visitors are charged for all services at rates applicable to residents.
Bulgaria UK passport and NHS medical card. Hospital treatment. Other medical and dental treatment. Medicines supplied by public pharmacy.
Channel Islandsif staying less than three months Proof of UK residence (e.g. driving license or NHS medical card). On Guernsey/Alderney : Hospital in-patient treatment.

On Jersey: Hospital in-patient and out-patient treatment. Ambulance travel.

On Sark: Medical treatment.

Some prescribed medicines. Accident and emergency hospital treatment. Emergency dental treatment. GP and other medical care. Ambulance travel. Treatment at a doctors surgery. Dental care. Prescribed medicines. No out-patient department at Guernsey General Hospital.

Free treatment at a family-doctor-type clinic is available most weekday mornings at the General Hospital.

Hospital treatment provided in Guernsey.

Czech Republic UK passport Hospital treatment. Other medical care. Prescribed medicines. Dental treatment.
Falkland Islands Proof of UK residence (e.g. medical card or UK driving license). Hospital treatment.
Dental treatment.
Other medical treatment. Prescribed medicines.
Ambulance travel.
Hungary UK passport. Treatment in hospital, polyclinic or at a doctors surgery. Dental & Ophthalmic treatment. Prescribed medicines.
Isle of Man No documents needed. Treatment as for UK National Health Service. Dental treatment. Prescribed medicines.
Malta up to 30 days stay UK passport. Immediately necessary medical and surgical treatment (including investigations) in Government hospitals, health centres and district clinics. Consultations and treatment in non-Government hospitals or clinics or at a private doctors surgery. Prescribed medicines.
Montserrat Proof of UK residence (e.g. NHS medical card or UK driving license). Treatment at government institutions for persons aged over 65 and under 16. Dental treatment for school-age children. Hospital in-patient and out-patient treatment. Hospital accommodation. Most prescribed medicines. Dental treatment. Ambulance travel. Family-doctor-type treatment is available at government clinics and the hospital casualty department. A charge is made.
New Zealand UK passport. Dental treatment (persons under 16). Public hospital in-patient treatment. Treatment at hospitals (out-patient). Treatment at a doctors surgery. Prescribed medicines. Dental treatment. Ask hospital or doctor if a refund is due. If not, claim at the local health office. Cash benefits from New Zealand Department of Health reduce charges.
Poland NHS medical card. Hospital treatment. Some dental treatment. Other medical treatment. Doctors visit (e.g. to your hotel). 30% of cost of prescribed medicines from a public pharmacy.
Romania UK passport. Hospital Treatment. Some dental treatment. Other medical treatment. Medicines supplied by public pharmacy.
Russia UK passport. Treatment in State Hospitals Prescribed medicines
Slovak Republic UK passport. Hospital treatment. Other medical care. Prescribed medicines.
St Helena Proof of UK residence (e.g. NHS medical card or UK passport). Hospital treatment in out-patient clinics during normal clinic times. Hospital in-patient treatment. Dental treatment. Prescribed medicines. Ambulance travel. Family-doctor-type treatment is available at the hospital out-patient clinic.
Turks and Caicos Islands Proof of UK residence (e.g. NHS medical card or UK driving license). All treatment to those under 16 and over 65. On Grand Turk Island: Dental treatment (at dental clinic). Prescribed medicines. Ambulance travel.

On Outer Islands: Medical treatment at government clinics. Prescribed medicines.

On Grand Turk Island: Hospital in-patient treatment. Other medical treatment and the Town clinic. On Outer Islands: No hospital services available on the outer islands.
USSR (Soviet Union) except Latvia, Lithuania, Estonia UK passport. Hospital treatment. Some dental treatment. Other medical treatment. Prescribed medicines. This agreement applies to the following republics of the former USSR; Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kirgizstan, Moldova, Russia, Tajikistan, Turkmenistan, Uzbekistan, Ukraine.
Yugoslavia ie Serbia & Montenegro & successor states Croatia, Bosnia, Slovenia, Macedonia UK passport if you are a UK national.

If you are a UK resident but not a UK national you will need a certificate of insurance, obtainable from Inland Revenue National Insurance Contributions Office, International Services Benton Park View Newcastle upon Tyne, NE98 1ZZ.

Hospital treatment. Some dental treatment. Other medical treatment. Prescribed medicines. If you are a Yugoslav national resident in the UK you will need to show your Yugoslav passport and a certificate of UK social security insurance, obtainable from the Inland Revenue National Insurance Contributions Office.

If you are not a UK/Yugoslav national but are the dependant of someone who is, you should also apply for a certificate. The agreement applies to all the successor republics.