International Insurance With Global Coverage
For people planning any travel, especially outside the home country, it is an absolute must to be covered by an international insurance package for a safe and secure trip. Any travel involves risks like stolen baggage, health complications and emergency scenarios demanding immediate evacuation. An international insurance policy is the answer to all these possible nightmares during a trip.
Once you opt for an international travel health insurance policy with worldwide coverage, you are protected not only in your home country but also during your travel abroad across many countries in the world. However, in the case of international insurance, you may have a predetermined waiting period to avail of certain benefits like maternity and preventive care.
In order to get the best out of your international insurance package, you need to comply with some minimum eligibility requirements irrespective of your age, status and nationality. These requirements would be mentioned by your insurance provider in advance.
One of the criteria of many international insurance providers is the duration of stay in the US by the citizens of United States. Some of the international insurance policies require the US citizens to reside abroad or leave the US on a particular date and stay outside the country for approximately six months. However, this restriction does not hold good for non-US citizens.
You can apply for insurance when you are as young as 14 days or even at the age of 74 years. But when you cross 74 years, you would be covered under the same policy if you have been covered continuously by the insurance provider in the past. Most of the providers do not allow you to apply for a new policy.
You can also opt for international health insurance policy for all your family members. For married individuals who have children, the entire family can be covered under one international health insurance plan. Some of the providers even offer free coverage for children if both the parents opt for the same coverage plan.
In the case of newborn babies, if the mother is covered by insurance and also has opted for pregnancy coverage, the babies are also covered for any illness right from their birth. But you need to include the newborn under the insurance plan of the parents within 31 days of birth.
International Health Insurance enrollment permits both individual and family coverage. Many plans offer incentives for family coverage. A few benefits like maternity coverage and preventive care may require a 12 month wait before becoming available to the enrollees.