Individuals who travel overseas for extended period of time, or non-US citizens who spend time in the US, need to consider their health insurance needs prior to traveling. For those who travel for at least 6 months at a time, the health insurance plan they have in their home country may not cover them while traveling abroad.
Travelers should consider purchasing an worldwide health insurance plan before leaving home, whether they are traveling for business or for pleasure. No matter where you travel, by protecting yourself and your family with international insurance, you can feel confident that you and your family will receive affordable, high-quality medical care.
Long term worldwide 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 travel 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.
For those who plan on returning to their home country for short visits during their stay abroad, international health insurance for long term trips often includes coverage for care in the US and outside of the US. With this kind of coverage, travelers can go back and forth seamlessly without any gaps in coverage.
In addition to routine care, worldwide health insurance also includes coverage for surgery and inpatient care, physical therapy and prescriptions. Having the ability to receive the same medical coverage for services performed outside of your home country is a great way to reduce your medical bills and save money during your trip.
To protect you and your family while traveling abroad, international travel insurance plans offer affordable rates and many deductible options. You won’t have to worry about traveling back and forth between the US and your home country, you will be protected during your entire stay.
When preparing for your extended stay in another country, be sure to consider the importance of purchasing a overseas health insurance plan for you and your family. Protect yourself against emergencies and stay healthy with routine medical care no matter where your travels take you. With international insurance, you can be confident that your needs will be covered.
Dan Miller frequently writes about overseas health insurance
Tags: Finance, Health, holiday, insurance, International Travel, Leisure, Travel, vacation