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International Travel Health Insurance

It’s impossible to plan for every medical issue and health problem and when exactly it will occur. However, there are steps that should be taken to make sure that no matter what country you are in – you have adequate health insurance coverage. International travel health insurance is a very flexible type of health insurance that often allows for daily rates (rates based on the number of days you will be traveling), 24 hour issuance of coverage, worldwide coverage, specific country coverage, guaranteed issue (no health questions), no age limits, and strong networks of providers.

What are some things that you should know about travel health insurance? First of all, it is not always needed! Many people think that they need international travel health insurance the moment that they take off on their big excursion – this is not always the case depending on what type of major medical plan they currently have. Many large health insurance companies offer worldwide coverage because although non-US physicians and hospitals may not be in their network many plans have a provision that all emergency services are considered in-network and are therefore a covered expense.

That being said, if you are planning on being abroad for an extended period of time then you may want to investigate international travel insurance plan options a little more closely. (Hint: If you are traveling out of the country for an extended period of time then seek out the counsel of others who have made the same trip as you. For instance, if you have family members that have made the same trip in the past, if you have members of your church that have made the trip as part of a missions trip in the past, if you know of any other members of groups that have the made the trip in the past, etc. – These types of people would be great people to ask what they used for international health insurance coverage). Also, keep in mind that there are many plans that offer group travel insurance – perfect for colleges, universities, mission organizations, churches, etc.

Many travel health insurance plans require you to have a primary health plan. A primary health plan is a major medical health insurance plan (usually with coverage of at least $50,000 per incident or per year). The primary health plan is then responsible as the first payor should any medical expenses be incurred and the travel health insurance policy becomes the gap policy that “fills in the gaps” of whatever is not covered under the primary health plan.

What should you look for in an international travel health insurance plan? Here are some questions that your health insurance agent should be able to help you answer:

Does the travel health plan cover pre-existing conditions?

Does the travel health plan cover repatriation expenses?

Does the travel health plan cover medical evacuation expenses?

International travel health insurance plans can often be quite affordable and cheap. Take a few moments to request personalized online quotes from a health insurance agent in your area to see how much that you can save. Find low cost travel health insurance and low cost major medical health insurance by viewing free health insurance quotes now!