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.
Travelers should consider purchasing an worldwide travel 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 coverage for emergency care, while long term worldwide health insurance also includes coverage for preventative care after a waiting period. With a long term plan, you can enjoy low-cost physician visits and reliable coverage for 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.
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 travel 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.
If you are preparing for an extended overseas stay, you need to consider purchasing a worldwide travel insurance plan. No matter where your destination is, with the right worldwide travel 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 international travel health insurance
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