If you are planning to travel to a foreign country and you want coverage for medical expenses that may arise, there are certain things that you have to understand. A typical health insurance policy normally provides coverage only in the country of origin. This means that your current health insurance company may refuse to pay a claim for medical treatment that you may need while you are visiting another country.
International medical insurance is a policy that is designed to protect you when you are overseas. When choosing an international policy however, there are a few things that you will want to keep in mind. First, you have to determine if you are merely traveling or if you are considered to be relocating. Those who are traveling are normally only in a foreign country for a few days up to a couple of months. If you are planning to stay in this other country for several months or years, you are considered to be relocating.
You should also note that most travel health insurance plans come in two different types. You can purchase a single trip plan that will provide coverage while you are traveling this one time or an annual trip plan that will cover you for an unspecified number of trips within a calendar year. If you are going to be traveling a lot on business, an annual plan is likely a better choice as you will not need to purchase an additional policy each and every time you travel.
Insurance policies are normally written for short term and long term stays. Those less than six months are normally considered to be short term plans and anything six months or longer may be considered long term. It is important that you know which policy type you need before you begin your travels.
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