One facet of medical tourism that’s been receiving a lot of recent discussion is that of insurance. While historically, most medical travel has not been covered by insurance, collaborative efforts between insurance companies and health travel facilitators have been made in recent years in specific consequence to Health Care Reform issues.
Insurance laws can depend on the country you live in, the country where treatment is taking place, and the country where the agency resides. Medical travel breaks country boundaries, which can mean that different country regulations clash and are contradictory. The recent increase in medical travel is not something that laws or insurance regulations had in mind, so there is no case law that settles uncertainties.
In some countries and states, there are rules on who can sell insurance, and this can be complex. In others it is a “let the buyer beware” situation with little regulation on insurers or insurance sellers.