• International Insurance Blog

  • Thursday, July 27, 2017

  • The Long and Short of International Insurance-II

    Filed Under: Blogging
    Author: Blog Writer
While most international travel insurance plans are short-term plans, long-term plans are useful for specific kinds of travelers. We looked at short-term insurance in the article, "The Long and Short of International Insurance-I." Long-term insurance plans, on the other hand, are meant for people with longer stays in a foreign country, and usually provide more coverage.

Long-term international insurance can usually be purchased for durations over three months. Since it is meant for a longer term, people who avail of this type of insurance are typically those taking longer trips, or expatriates. Some international student insurance plans also come under long-term international insurance.

Some of the additional benefits that long-term insurance offers include maternity, and some coverage for pre-existing conditions, typically after one year of continuous coverage. Plans also offer eye and dental care. These benefits are in addition to the usual coverage: inpatient and outpatient care, emergency care, accidental death and dismemberment, and repatriation of remains.

Whether you choose long-term insurance or short-term insurance depends on many factors--prime among them being the duration of your travel, and the type of travel that you will be undertaking. As a general rule, if you're thinking in terms of "visiting" a country, short-term insurance will probably suffice, and if you are thinking of "living in" a country, then you're probably looking for long-term insurance.

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