"U.S. employers may also fail to realize that when their international (non-U.S.) employees leave their home country (whether to come to the U.S. or go elsewhere in the world) they do not automatically have emergency medical coverage under a domestic plan from their home country. So for example, when your German employee comes to the U.S. on a business trip, he or she has no medical coverage while in the states unless a specific policy was purchased for that purpose.... [If] that same German person went to France, he or she would be covered for needed medical services since E.U. countries have treaties with one another that covers this situation.... [S]ome countries, like Germany, legally require travel medical insurance for employees traveling out of country on business. If there is no policy in place you may be violating German labor law with all its related consequences."

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