The geographical area in which you may seek treatment or repairs covered by your insurance policy following an incident of loss. Depending on where a covered event occurs and the specifics of your plan, you’re normally required to pay a lesser deductible and/or co-pay inside your coverage area than you’d pay outside that general area.
Though an emergency may happen outside your coverage area while traveling, most insurance plans will cover emergency treatment anywhere in the U.S.—though you may be required to let your insurance company know what’s happened and that you’re seeking treatment in such a situation.