If you are a US citizen trying to find international health insurance, unfortunately the process is not automatically easier because the coverage will be based outside of the US. You will still want to ensure that you find a plan that you can count on, has each of the benefits you need and can provide customer service in English when you need assistance. To make the process a bit easier, here are a few tips that you can follow when looking for international health insurance for US citizens.
Know the Eligibility Requirements
Some international insurance plans will require you to be outside of the US or within a certain time frame of your travel outside the US when you purchase your plan. Others will require you to purchase it before you leave. Looking beyond where you are when you purchase the plan- there might also be requirements when it comes to where you are going, many plans have certain countries where coverage is excluded. Before getting too deep into what benefits a plan offers, first check if you are even eligible.
Understand Your Benefits
It’s important to look at each benefit more than in a quick scan. Dive into the plan brochure and read the fine print. Some benefits like maternity, mental health and pre-existing conditions have a waiting period before they are covered. Some plans have coverage for common conditions but might exclude those over a certain age. Spend some time researching your insurance and make sure it has the coverage you need.
Don’t Skip the Time Restrictions
If you need your health insurance plan for a brief trip outside the US make sure you can purchase your plan for the amount of time needed. If you plan on relocating and becoming an expat in a new country- make sure you are able to renew the plan for years to come.
If you would like personalized service finding international health insurance for US citizens, contact one of our licensed agents for assistance.