• International Insurance Blog

  • Thursday, February 22, 2018

  • The Long and Short of International Insurance-I

    Filed Under: Blogging
    Author: Blog Writer
International health insurance plans are a complex maze, and can be especially bewildering to immigrants. Students, in particular, are amazed at the different options and plans available to cover almost any event. One area of confusion is between short-term travel insurance and long-term travel insurance, and the implications of both types of insurance.

Short-term insurance and long-term travel insurance plans do not just differ in the ideal duration of coverage. There are short-term plans available for up to three years, and long-term insurance for even six months! The difference lies in the kind of coverage you need, and the stage of life you are in.

Let’s take a look at short-term insurance. It is primarily meant as a stop-gap insurance plan, when a person has, or is soon expecting, adequate coverage. It is meant to safeguard against costs arising from sudden or unexpected events, and as a result, is very popular for travel insurance, and study abroad insurance.

Usually, short-term insurance plans do not cover pre-existing conditions and planned medical care, thus excluding pregnancy, regular dental and eye care, and periodic checkups. They cover emergency medical care, outpatient and inpatient care, and in the case of travel insurance, evacuation and repatriation of remains. Some popular short-term insurance plans include VisitUSA, Atlas America, and Visitors Care Insurance.

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