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.
Every traveler, whether they are traveling for business or pleasure, should consider purchasing an international health insurance plan prior to leaving home. By protecting themselves and their family, they can save money and feel confident that they will receive good medical care no matter where they travel.
Long term international travel 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 overseas 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, worldwide travel 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 travel 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.
With affordable rates and numerous deductible options to choose from, international 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.
Be sure to consider the importance of purchasing a overseas health insurance plan for you and your family when preparing for an extended stay in another country. No matter where you travel, protect yourself and stay healthy with affordable health insurance that allows to feel confident that your needs will be covered.
Dan Miller frequently writes about travel medical insurance
categories: travel,insurance,health,finance,vacation,international travel,holiday,leisure
Tags: affordable health insurance, Finance, health, holiday, insurance, international travel, leisure, travel, vacation