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 overseas 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.
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.
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.
Worldwide travel insurance for long-term trips often includes coverage for care in the US and outside of the US for those who may return to their home county at times during their extended overseas stay. This allows the traveler to go back and forth seamlessly, without having to worry about any gaps in coverage.
International travel health insurance covers not only routine care, but also offers coverage for surgery, inpatient care, physical therapy and prescriptions. By having insurance that covers your medical needs outside of your home country, you can reduce your overall 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.
When preparing for your extended stay in another country, be sure to consider the importance of purchasing a worldwide health insurance plan for you and your family. Protect yourself against emergencies and stay healthy with routine medical care no matter where your travels take you. With international insurance, you can be confident that your needs will be covered.
Dan Miller frequently writes about travel insurance
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