United States citizens are not legally required by European border control to show proof of medical insurance for short-term Schengen tourist stays under 90 days, but purchasing comprehensive travel health insurance is strongly advised. Standard domestic U.S. health insurance plans—including Medicare and most private commercial policies—offer little to no coverage for medical treatment, hospital stays, or emergency medical evacuations overseas. Buying a dedicated travel medical policy ensures you are fully protected against catastrophic out-of-pocket expenses if an unexpected illness or injury occurs abroad.
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