Verified Apr 15, 2026· source: SafetyWing
Medicare Does NOT Cover in Panama
If you move to Panama, Medicare stops working the day you cross the border. You need insurance that covers Panama AND your trips back to the US.
What Americans don't know
- Medicare has zero coverage outside the US, 0%
- An emergency medical flight Panama → Miami: $50,000+
- Local Panama insurers (ASSA, SURA) don't cover in the US
- An ER visit in the US without insurance: $3,000–$10,000
SafetyWing covers Panama + USA
USA included
US emergencies covered. Perfect for family visits, vacations, or medical appointments back home.
30/90 days at home
US coverage 30 of every 90 days. Ideal for those who travel between Panama and the US regularly.
Fraction of the cost
$63/mo vs. $600+/mo for an ACA plan. Save thousands per year.
No network, no restrictions
Any hospital in Panama or the US. No referrals, no prior authorizations.
Plans for Americans
Verified Apr 15, 2026· source: safetywing.com
Nomad Essential
$63/mo
- USA: emergency coverage
- $250K worldwide coverage
- Any hospital in Panama
- Evacuation to USA included
- No Medicare needed
Nomad Complete
$177/mo
- $1.5M total coverage
- $0 deductible
- USA + Panama + worldwide
- Preventive care included
- Emergency dental
Affiliate link, no extra cost to you. Prices from safetywing.com for the youngest age bracket; they rise with age.
Frequently asked questions
Can I keep Medicare and SafetyWing?
Is SafetyWing accepted at Panama hospitals?
Compare before you buy
SafetyWing is the cheapest option for nomads and short stays. If you live in Panama permanently, have pre-existing conditions or are over 64, compare with PassportCard, Cigna, ASSA and MAPFRE in the comparison tool.
Get covered in Panama and the US, From $63/mo
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