Expatriate and Exchange Student Travel Requires Special Insurance

Expatriate and Exchange Student Travel Requires Special Insurance

Travel health insurance for those who stay outside the USA for a lengthy period of time can be a complicated matter. But it doesn’t have to be. Expatriates and foreign exchange students face a different set of criteria in their search for a plan than do a honeymooning couple hitting Tahiti for 10 days.

If you’re planning to go abroad for an extended period, exploring available options well in advance will help you secure the best price, the most adequate coverage and generally help you stay ahead of the game (the “game” being avoiding surprises that put a huge financial strain on you and your family.)

Let’s look at expatriate health plans first. Expatriate health insurance is for those individuals who reside outside the USA for more than six months and need a health insurance plan to ensure coverage for themselves and their families. Since most countries won’t cover medical costs for non-citizens, it is important to consider an expatriate health plan that provides for long-term medical needs.

These “Long Term” or “Expatriate” policies are different from short term travel health insurance since they are for extended periods and most short term travel health insurance maxes out at 180 days. Expat policies are designed to help the subscriber in both their adopted country and sometimes in the USA. These policies are also more in-depth because they can extend to cover other family members if desired.

One of the hot-button topics for all health insurance policies is pre-existing conditions, the ACA made it so companies could not exclude you for pre-existing conditions, unfortunately this does not apply to expat health insurance policies, none are ACA compliant, even those that give coverage in the USA.. The policy holder’s pre-existing conditions, from pregnancy to a former battle with cancer, will affect which policy they are eligible for and the coverage. However, that weird rash you get whenever the humidity reaches 90% or a broken leg from a fall wouldn’t qualify as a pre-existing condition. Always be clear when entering a new policy, claims related to a pre-existing condition you neglected to mention, like you’re already pregnant or you have a heart condition will not be honored by the insurer.

How much does expat health insurance cost?

While costs vary widely from policy to policy depending on what you choose from the care menu, it’s often not as expensive as you’d think. But like all other insurance plans, the higher the deductible the lower the monthly premium. Plans that are more expensive come from better known companies, like Cigna and GeoBlue (BlueShiled/BlueCross) and have less fine print in the insurance contract. Plans that tend to be a big more affordable may come from smaller companies and often have more exclusions in the fine print.  This isn’t bad, but it is important to be aware of what is included and what isn’t.  

As an example, a 67-year-old male buying insurance to go live in, say Mexico, would pay between $3k and $9K annually, depending on the deductible. The cost of this example plan would also cover insurance in the USA for up to six months. Do your research before picking a plan. This will save you money. If you’re not going to have children anytime soon then don’t choose a policy that charges more because it has the best maternity care.

What are the best international health insurance plans for Expats?

One of the most affordable companies offering expat policies is WEA, or Worldwide Expatriate Association. It could quite possibly be the best bargain for expats moving abroad, the policy is widely used by expats moving to Mexico and is expanding quickly in other Latin American countries.. The company also has a reputation for excellent customer service and benefits. Plans come in three levels for varying budgets and meets care needs both inside and outside the USA. Compared to other companies they have pretty strict underwriting, but that’s how they keep their prices so low. WEA also has the best maternity benefit add-on in the business.

Another company focused on expatriate life is Cigna Insurance who offer plans designed for individuals as well as families working and living abroad. They insure millions of people globally and their main strength is the flexibility of their policies. Subscribers can start out with core policies and then build up from there (like choosing toppings for a pizza), adding things like medical evacuation, wellbeing visits, vision and dental. Plans are more expensive than their competitors, but they have the easiest underwriting and the most flexibility. The core plan covers both inpatient and day-patient surgeries, making it a great deal for countries where outpatient care is cheap. You don’t have to pay for benefits you’re never going to use.  

IMG Global Medical is a company with a menu of different plans. They specifically cater to both expats with their Global Medical, annually renewable plan (comparable to WEA)  and to students on their Patriot student plan.  IMG also has a host of plans for short term travel. A subject we will save for another article. Their “Patriot” policies offer some of the best coverage for students either coming to the USA or leaving to go abroad. The kicker for this plan is that many students travelling to other countries need to meet J-1 visa (work-and study-based exchange visitor program) requirements. IMG policies meet these J-1 visa requirements.

These patriot policies through IMG are year-long and annually renewable with four main policies: Patriot Platinum Travel Medical Insurance (the gold standard); Patriot Travel Medical Insurance (good for US and non-US citizens) and Patriot Multi-Trip Travel Medical Insurance (a single plan covers many separate trips within a single year). They also offer Patriot Group Travel Medical Insurance and emergency travel plans.

An F1 visa is a non-immigrant visa given to most international students who want to study in the USA. While it allows students to enter 30-daysprior to their first day of school and depart 60 days after, it doesn’t require students to have health insurance. However, many schools require students to have insurance while at their institution. It’s also a good idea to have insurance to avoid any unexpected medical expenses.

For the long stay travellers, expats and students, choosing insurance doesn’t have to be complicated. Just know that the medical travel insurance needs will be different from those of short-vacation policies, and plan accordingly.  If you’re confused or need help just send me an email or pick up the phone and give me, your broker, a call.  I’ll help you pick the best plan that will fit your needs.

 

COMMENTS (71)

28.12.2012

Travel cover for pre-existing medical conditions Don’t let medical conditions get in the way of your passion for travel

Get instant health insurance quotes online and choose best medical insurance policy from top health insurance companies in India. Save upto 40% on insurance policies.

Get affordable health insurance quotes in your local area from General Insurance to protect yourself and your family. Whether you have a preexisting condition, have …

ObamaCare is a nickname for The Patient Protection and Affordable Care Act of (sometimes called the Affordable Care Act, ACA, …

ObamaCare is a nickname for The Patient Protection and Affordable Care Act of (sometimes called the Affordable Care Act, ACA, …

In the case of applying for health insurance through an employer, the pre-existing condition clause was limited to any condition that was treated during the prior 6 …

There are a couple of benefits not covered by health insurance plans in India. They are-Pre-existing medical conditionsPre-existing medical conditions are the …

In the United States, health insurance marketplaces, also called health exchanges, are organizations in each state through which people can purchase health insurance.

Determine where you fall within the 2017 and 2018 Federal Poverty Level. You can also get information on Obamacare Rates and options under

… problems that insurance companies can define as preexisting … to exclude people with preexisting conditions, … Know About Health Insurance Changes for 2018?

23.02.2018

Reply

Quickly compare Health Insurance policies using Canstar‘s expert star ratings – no contact details required! Find a health insurance policy that’s right for you at …

Pre-Existing Conditions. … coverage to you or your child because of a preexisting health condition … health insurance plans can no longer deny anyone …

24.10.2017

Free Spirit provides travel insurance with pre-existing medical conditions, including Cancer

15.09.2018

Looking for the best vacation quotes pictures, photos

Best Health Insurance Plans in India: Check out the list of top 10 health insurance policy in 2018 and get one that suits you the best. Compare

We discuss the pros and cons of repealing ObamaCare, what a repeal and replace plan could look like under President Trump, and how approaching the issue in a smart …

Reply

28.12.2017

pre existing condition insurance utah 2018

Health Insurance and Pre-Existing Conditions in 2018 … that have the potential of being considered a pre-existing condition? … you can find short term plans …

Preexisting condition exclusions and proof of creditable coverage were part of the preACA insurance application process. But the rules have changed.

Exceeds All 2018 Lender and Investor Requirements pre-purchase, pre and post-lease and term of ownership – nationwide in NYC Manhattan Brooklyn Bronx Long Island and …

Health Insurance Plans: Bajaj Allianz offers best medical insurance plans in India. Our health insurance policy gives you access to the best medical care

So in spite of pre-existing health conditions in … coverage under plans that don’t cover pre-existing conditions. … About Health Insurance Changes for 2018?

A review of Colonial Penn Life Insurance. Before you buy a guaranteed issue policy with Colonial Penn read this review! There are alternate options for you!

23.02.2018

Learn what travel insurance covers when you have an existing medical condition.

Learn what travel insurance covers when you have an existing medical condition.

The Health Insurance Portability and Accountability Act of 1996 (HIPAA; Pub.L. 104–191, 110 Stat. 1936, enacted August 21, 1996) was enacted by the United States …

Before 2014 some insurance policies would not cover expenses due to preexisting conditions. … Individual and group health insurance plans Preexisting

Need travel insurance for your preexisting medical condition? With our easy online screening you could be covered in minutes – no medical documents needed.

24.10.2017

Reply

Free Spirit provides travel insurance with pre-existing medical conditions, including Cancer

National Lampoon’s Christmas Vacation (1989) Quotes on IMDb: … Sign in with Facebook Other Sign in options. Edit. National Lampoon’s Christmas Vacation (1989)

How to Choose Best Health Insurance in India? The best way to safeguard yourself against exorbitant Medical expenses is buying a good Health Insurance Plan.

07.06.2018

We search over 55 insurance brands so you can compare over 265 holiday

Looking for the best deals on Christmas Holidays? Low Deposit

Marriage. If you get married, you have a 60-day open enrollment window that begins on your wedding day. However, the new rules for 2017 limit this special enrollment …

24.10.2017

Buy Group Health Insurance Policy at PolicyBazaar. Group health insurance is a medical insurance that covers a group of people, who are usually the members of …

Getting insurance with a pre existing condition 2018

In the United States, health insurance marketplaces, also called health exchanges, are organizations in each state through which people can purchase health insurance.

Best Service Best Price = Best Value . #1 First Choice in 2018 . Best Building

Disability attorney Stephen Jessup discusses if a claimant’s disability claim can be denied due to a pre-existing condition. . Your long-term disability claim…

14.06.2018

Health Insurance Plans: Bajaj Allianz offers best medical insurance plans in India. Our health insurance policy gives you access to the best medical care

Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.

2017 and 2018 vs. 2019 Tax Penalty Amounts and Exemptions For Not Having Health Insurance Under ObamaCare – GOP/Trump Updates. 573 comments

Need travel insurance for your preexisting medical condition? With our easy online screening you could be covered in minutes – no medical documents needed.

Our pet insurance reviews pit providers head to head so you can make the best choice between Healthy Paws, Pets Best, Petplan, and others.

Wondering how much will Obamacare cost? Regardless if you are a single individual or a large family, compare Obamacare plans and total cost in 2017

Reply

Health insurance for people with pre-existing medical conditions … The best health insurance policies of 2018. Is private health insurance worth having?

SOUTH SUDAN 2017 ISSUES now available: Severe inflation has caused the Sudan Post Office to surcharge 19 different stamps. These surcharges are now in stock in …

If I wanted to destroy an enemy society, and had a long-term focus, wanted to do it stealthily, and effectively, to make the society destroy itself and the ability to …

Travel cover for pre-existing medical conditions Don’t let medical conditions get in the way of your passion for travel

Short-Term Disability Insurance for Pre-Existing Conditions

Aflac‘s short-term disability insurance plan will provide cash to help ease the financial stress of a covered illness/injury

31.08.2018

WORKSHOP REPORT Public Law 115-52, FDARA, Federal Register, Evaluating Inclusion and Exclusion Criteria in Clinical Trials; Public Meeting (Docket number: FDA-2018

Travel medical insurance for visitors to Canada, online quotes from Canadian insurance companies, affordable low cost visitors …

Hello=Post Comment

Hello=Post Comment

Hello=Post Comment

Leave a Comment

Comment (required)

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <s> <strike> <strong>

Name (required)
Email (required)