Finding the best insurance for your international trip can be daunting. There are more factors that come into play than simply finding the cheapest price. Here is a breakdown of what you need to consider and how to work your way through the maze of available international insurance plans to find what you need.
Who: The first item to look at is who is this plan going to work for. Is there an age limit to who can apply, are there specific citizenship restrictions and will individuals with certain medical conditions be excluded. If you don’t meet the eligibility of a plan you can save yourself hours of time researching what the plan will cover.
What: Make a list of what you need covered to meet any requirements such as for a visa, then scan the list and think of additional items that you may need or want. When it comes to meeting visa or job requirements they typically only ask that individuals have basic coverage such as hospitalization, repatriation of remains and emergency medical evacuation. However, if you will be traveling or relocating with your family you will want more than the basics- especially if you will be out of your home country for an extended period. Think of other items you would like to be covered in your plan and build upon your list. A few other common benefits you might want are maternity, mental health, wellness and coverage for pre-existing conditions.
Where: When evaluating the eligibility of the plans under consideration- also check out if there are any countries that are excluded from where you can receive coverage. If you will be traveling throughout multiple countries, make sure the plan will provide you with world-wide coverage for each journey.
When: How soon do you need your plan and how long do you need it to last? If you are searching through major medical plans, your application will need to be reviewed by underwriters for approval. Find out how long this process typically takes so you can have your coverage start when needed. Also, is the plan renewable? If so, make sure you know how many times it can be renewed.
If you would like personalized service finding the best insurance for your international trip you can contact one of our licensed agents for help.