If you spend extended period of time overseas, or if you are a non-US citizen who spends long periods of time in the US, you should consider what type of health insurance will best meet your coverage needs. Those who spend at least six months at a time traveling abroad may not be covered by the same health insurance plan that they have in their home country.
Travelers should consider purchasing an international 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.
Short term travel insurance plans typically only offer emergency coverage, while long term international health insurance includes coverage for preventative care after a waiting period. Long term plans include coverage for routine doctor visits along with a high level of coverage for annual health screenings and general medical care.
Plans that include worldwide travel 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.
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.
While living abroad, it’s easy to protect your family with the affordable rates and numerous deductible options that international health insurance plans offer. You don’t have to worry when traveling between your home country and your overseas home since you will be protected during your entire 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 insurance
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