For those who travel overseas for extended periods of time, or for non-US citizens who spend time in the US, it’s important consider what type of health insurance is needed prior to traveling. Despite what many people believe, if you are traveling for at least six months at a time, you may not be covered by the same health insurance you have in your home country while traveling abroad.
Before leaving their home country, travelers should consider purchasing an international travel health insurance plan. With the right travel insurance plan, travelers can feel confident that they are saving money and will receive good medical care for the duration of their overseas stay.
Long term international health insurance is different from short term travel insurance plans in that it offers coverage for preventative care after a waiting period, in addition to the emergency care coverage typically found in other plans. While traveling overseas, you can utilize low-cost doctor visits and a high level of coverage for annual health screenings and medical care.
Plans that include international health insurance, like those offered by Global Citizen, typically offer a wide range of coverage, including deductibles that can range from $0 for Elite customers up to $25,000 for the lower-tier plans. Having the flexibility to select a deductible you are comfortable with is important to consider when you are planning for an extended stay overseas.
Unlike short term plans, worldwide health insurance covers care received both outside the US and inside the US, for those who occasionally return home to visit during their overseas stay. Travelers won’t have any gaps in coverage if they travel between countries with this type of insurance plan.
International travel health insurance covers not only routine care, but also offers coverage for surgery, inpatient care, physical therapy and prescriptions. By having insurance that covers your medical needs outside of your home country, you can reduce your overall medical bills and save money during your trip.
With affordable rates and numerous deductible options to choose from, overseas health insurance plans are the best way to protect you and your family while living abroad. With an international plan, you don’t have to worry when traveling back and forth between the US and your overseas home you will be protected for the duration of your stay.
If you are preparing for an extended overseas stay, you need to consider purchasing a international health insurance plan. No matter where your destination is, with the right international travel insurance plan, you can receive coverage for emergencies and receive high-quality medical care for the duration of your travels.
Dan Miller frequently writes about worldwide health insurance
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