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 worldwide travel 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 travel 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.
International travel health insurance plans, like those offered by Global Citizen, offer a wide range of coverage options, including varying deductible amounts that depend on what option you select ($0 deductible for Elite customers and up to $25,000 for the lower-tier plans). When you are planning an extended overseas stay, it’s important to have the flexibility to select a deductible that works for you.
Unlike short term plans, international travel 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.
With travel health insurance, coverage is offered for surgery, inpatient care, physical therapy and prescriptions, and includes coverage for doctor visits. Reducing your medical bills and receiving quality medical care while in a different country allows you to save money while traveling overseas.
To protect you and your family while traveling abroad, international travel health 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.
If you are preparing for an extended overseas stay, you need to consider purchasing a international travel health insurance plan. No matter where your destination is, with the right international health 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 travel medical insurance