If you're planning a long trip abroad to work or see the world, you don't want to forget about arranging the appropriate medical insurance. The insurance coverage you have now is probably not very useful when you need care in another country. If you get sick or injured, you could run up a fortune in medical bills that you have to pay for yourself if you don't make sure you have good long-term travel health insurance. Here are a few things you'll want to look into.
Choose Insurance For The Length Of Your Trip
If you're going overseas for a week or two, then you can buy a short-term policy, but if you're spending several months abroad, you want to make sure the policy you buy will cover you for that length of time. Travel health insurance comes in different types based on the length of coverage they offer. Choosing the right coverage is important in case you want to extend your stay while you are abroad. Short-term insurance is appropriate for vacations so you don't have to pay more than you need. Long-term insurance is more suitable if you plan to travel frequently, such as after you retire, or if you want to live abroad for several months.
Know What The Plan Offers
Travel health insurance has been quite limited in the past. You often had to pay out of pocket and wait for reimbursement, which could put you in a bind when you're away from home. Coverage could be spotty with travel policies, too. You'll want to read the policy carefully and make sure you understand your benefits. While you can opt for an inexpensive policy that is somewhat useful, there are better options available today. You can have care for things like accidents, illnesses, pregnancy care, medications, and chiropractic treatments.
In some cases, the travel health insurance works like your traditional insurance, in that you don't have to pay the entire cost upfront based on your deductible and copay. Be sure you understand how you'll need to pay for emergency and routine care in the country you plan to visit. Also, you'll want to verify if air ambulance service is included, in case you need to be flown to a different country for treatment.
Understand How You Qualify
Long-term travel health insurance is comprehensive insurance, so you may not be automatically approved for coverage; these policies are usually medically underwritten, which means you might be denied coverage for health reasons or age. This also means coverage may not be as simple as applying and getting instant approval. You'll want to start the process of getting your insurance a few weeks before you begin your travel. Travel insurance is not the same as domestic insurance provided by the Affordable Care Act, so it won't have the same benefits and acceptance criteria.
Buying a separate insurance policy to make sure you continue to get great health care no matter where you decide to live gives you peace of mind, and it protects your finances. Choose a policy with a deductible and coverage that fits your health and budget and you won't have to worry about your medical care, whether you spend the winter in Mexico, or spend a year globe-trotting. For more information on travel health insurance, contact companies like International Health Insurance Solutions.Share