If you’re planning on spending longer than a year abroad (regardless of your nationality or citizenship), you’ll need to consider a “long term” international medical / travel insurance plan to cover your needs.
If you’ll be residing overseas for a lengthy period of time, you’ll want to have coverage that extends beyond the limitations of the typical private American insurance plan (or Medicare, which doesn’t travel!). While the country you’ll reside in may provide healthcare services, these may not be fully available to you as a non-citizen, or the available facilities and care may not be adequate to your expectations.
What does this plan cover?
The benefits of a long-term international health plan are similar to those offered on short-term plans. These include:
- Medical care
- Medical evacuation
- Emergency reunion
- Repatriation of remains
These plans are annually renewable (assuming you still pay your bill!) so you’ll have continuous protection while you’re abroad.
A long-term international health insurance plan is medically underwritten, so the application process is more like a traditional health insurance plan than the short-term travel plans are. You can choose coverage that includes the United States and Canada or coverage that does not (this will lower your cost). Coverage may or may not include pre-existing conditions, depending on the decision of the underwriters.
There are optional coverages available, including a sports rider (assuming you’re not a professional athlete!), term life coverage, and dental coverage.
Who is the international health insurance company?
While we have multiple options available, most of our clients purchase coverage with Cigna Global. Cigna is a leader in providing health insurance and travel insurance benefits to people living outside their home countries. Their plans are designed to give you and your family access to the best healthcare in the world, and their customer service will be there and ready to serve when you need help.