You may already have a US policy such as Aetna, Blue Cross Blue Shield, Cigna, Humana, or United Healthcare. But these policies have very little obligation to you once you are off US soil. The more important question is, “If you were traveling abroad and had a medical injury, who would you call?” Sadly, your US carrier is not open 24/7 nor do they speak any language besides English. So in an emergency medical situation they would not offer any guidance and would tell you to pay the bill on your own and to submit a claim when you return.
The medical coverage offered through International Medical Group has 24/7 customer support. Once you are in an emergency you would call the number on your card and have IMG take control of the situation. Often times when you check into a foreign hospital, the facility will take your passport and it will not be returned until you settle the balance. A company such as International Medical Group wires cash to over 168 countries and deals in over 100 currencies.