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.
Before leaving their home country, travelers should consider purchasing an international 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 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.
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 travel 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, overseas 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.
While living abroad, it’s easy to protect your family with the affordable rates and numerous deductible options that international travel 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.
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 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 worldwide health insurance
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