What is international insurance and how can it enhance your travel plans? This type of insurance is intended for travelers who will be traveling or living abroad for at least 30 days. Travelers who will be living abroad for more than one year can find and purchase the most appropriate plan for their needs.
The categories of coverage in this niche include travel insurance, which the short-term traveler should select; international travel health insurance, which is the best choice for travelers who will be traveling or living abroad for at least 30 days and up to one year; and, an international travel health insurance plan tailored for the traveler who will be living abroad for more than one year. This insurance category also holds the long-term annual health insurance plan, meant to protect the international traveler against long-term catastrophic health costs.
Before travelers pack their bags, they should sit down and figure out which form of insurance is the most appropriate for their travel plans and health needs. In the event of an unexpected illness or accident, this insurance coverage can help you avoid interrupting your plans to travel and/or live abroad. In fact, most overseas countries require that travelers show proof that they have purchased adequate insurance coverage before they grant an entry visa.
Some international insurance plans will be tiered. That is, they will offer different levels of care depending upon what the traveler decides he needs, based on his health and on his travel plans. Other plans allow travelers to include or exclude U.S. coverage, meaning they can decide if they want to pay or not when they are within U.S. borders. These plans are most usually reserved for U.S. citizens who plan to live outside the United States, or for citizens of other countries who are living in countries where they do not hold citizenship.