Insurance Cover in your Home Country with an International Health Insurance Plan
As you prepare to travel internationally, one primary consideration is your international health insurance plan. Once you do your preliminary research, you will notice that there are many options – travel insurance or health insurance.
Depending on the duration of your coverage, you will want to think about coverage in your home country:
- Do you intend on returning back home for short trips while you are overseas?
- If you come back home do you have an insurance plan in place?
- If you do not have a plan that will cover you at home, what happens if you need to return home unexpectedly?
- If an emergency occurs overseas and you’d like to seek treatment at home, what is your back up to have your treatment covered?
Here at International Citizens, we run into this question often. Travel insurance plans are well designed for international coverage but most travel policies exclude coverage in your home country. Some travel plans may offer limited home country coverage for a short, specified length of time. Other international travel policies may exclude home country coverage altogether. For those international travel medical insurance plans that do offer limited home country coverage, you will find that most insurance policies only cover you for incidental visits and would not cover you if there is an emergency overseas and you elect to return home for treatment (especially when it is NOT medically necessary).
If you are interested in a more comprehensive policy that will cover you at home, we recommend looking into a comprehensive international health insurance plan that will cover you internationally. Most international health insurance plans are destination-based so you’ll be able to include coverage in your home country. International health insurance plans tend to be more flexible and allow you to choose your doctor and hospital anywhere in the covered areas. By choosing home country coverage, you have the ability to return home with the same plan to cover your treatment.
Why Does Home Country Coverage Matter?
You may have recently heard in the news the term “pre-existing conditions”. If you return home and secure a health insurance plan, it is not uncommon for conditions to have a waiting period – or even for a condition to be excluded. By purchasing a plan that provides worldwide coverage, you will have the flexibility to keep your international health insurance plan and get the same benefits back home. Quite simply – you can rest assure that the condition will be covered, even if you return home.
We advise contacting our licensed International insurance agents to discuss your specific situation. Our agents work with people like you everyday to help select the best suited plan for your upcoming travel.