Health Insurance for International Travelers

If you are planning a trip overseas then you have probably wondered how your US medical plan will cover you outside of the U.S.

If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. Any coverage you do have with an HMO is likely to be significantly reduced when you travel, with greater out-of-pocket expense for treatment outside of your normal coverage area.

Privately issued medical insurance usually does cover you during overseas travel, but the cost of obtaining records, translating them into the English language, converting the currency, and delivering payment overseas is all your responsibility, not the insurers.

One easy option is to have a short term medical policy specifically designed to cover international travelers to supplement your primary coverage. Fortunately these are inexpensive and easy to obtain. Since these plans specialize in international travel, there are fewer hassles typically associated with health plans. The coverage can usually be issued in about two days with a confirmation sent by fax or e-mail to your travel destination if necessary.

See the FAQs at www.medsave.com for more details.

If you have a managed care (HMO) plan, then you might not have any coverage outside of the US. Any coverage you do have with an HMO is likely to be significantly reduced when you travel, with greater out-of-pocket expense for treatment outside of your normal coverage area.

Privately issued medical insurance usually does cover you during overseas travel, but the cost of obtaining records, translating them into the English language, converting the currency, and delivering payment overseas is all your responsibility, not the insurers.

One easy option is to have a short term medical policy specifically designed to cover international travelers to supplement your primary coverage. Fortunately these are inexpensive and easy to obtain. Since these plans specialize in international travel, there are fewer hassles typically associated with health plans. The coverage can usually be issued in about two days with a confirmation sent by fax or e-mail to your travel destination if necessary.

See the FAQs at www.medsave.com for more details.

ABOUT THE AUTHOR

Top Cities for Insurance:

New York City, New York - Los Angeles, California -Chicago, Illinois -Houston, Texas -Philadelphia, Pennsylvania - Phoenix, Arizona - San Antonio, Texas - San Diego, California - Dallas, Texas - San Jose, California - Detroit, Michigan - Indianapolis, Indiana - Jacksonville, Florida - San Francisco, California - Columbus, Ohio - Austin, Texas - Memphis, Tennessee - Baltimore, Maryland - Fort Worth, Texas - Charlotte, North Carolina - El Paso, Texas - Washington, District of Columbia - Milwaukee, Wisconsin - Seattle, Washington - Boston, Massachusetts - Denver, Colorado - Louisville-Jefferson County, Kentucky - Nashville-Davidson, Tennessee - Las Vegas, Nevada - Portland, Oregon - Oklahoma City, Oklahoma - Tucson, Arizona - Albuquerque, New Mexico - Long Beach, California - Atlanta, Georgia - Fresno, California - Sacramento, California - New Orleans, Louisiana - Cleveland, Ohio - Kansas City, Missouri - Mesa, Arizona - Virginia Beach, Virginia - Omaha, Nebraska - Oakland, California - Miami, Florida - Tulsa, Oklahoma - Honolulu CDP, Hawaii - Minneapolis, Minnesota - Colorado Springs, Colorado - Arlington, Texas - Wichita, Kansas - St. Louis, Missouri - Raleigh, North Carolina - Santa Ana, California - Anaheim, California - Tampa, Florida - Pittsburgh, Pennsylvania - Cincinnati, Ohio - Toledo, Ohio - Aurora, Colorado - Bakersfield, California - Riverside, California - Stockton, California - Corpus Christi, Texas - Newark, New Jersey - Buffalo, New York - Saint Paul, Minnesota - Anchorage, Alaska - Lexington, Kentucky - Plano, Texas - St. Petersburg, Florida - Jersey City, New Jersey - Glendale, Arizona - Lincoln, Nebraska - Chandler, Arizona - Henderson, Nevada - Greensboro, North Carolina - Norfolk, Virginia - Birmingham, Alabama - Scottsdale, Arizona - Fort Wayne, Indiana - Baton Rouge, Louisiana - Madison, Wisconsin - Hialeah, Florida - Chesapeake, Virginia - Garland, Texas - Orlando, Florida - Rochester, New York - Akron, Ohio - Chula Vista, California - Lubbock, Texas - Laredo, Texas - Modesto, California - Durham, North Carolina - Reno, Nevada - Fremont, California - Montgomery, Alabama - Glendale, California - Shreveport, Louisiana - San Bernardino, California - Spokane, Washington - Yonkers, New York - Arlington CDP, Virginia - Tacoma, Washington - Huntington Beach, California - Des Moines, Iowa - Grand Rapids, Michigan - Richmond, Virginia - Winston-Salem, North Carolina - Irving, Texas - Boise, Idaho - Mobile, Alabama - Augusta-Richmond County, Georgia - Irvine, California - Columbus, Georgia - Little Rock, Arkansas - Oxnard, California - Amarillo, Texas - Knoxville, Tennessee - Newport News, Virginia - Moreno Valley, California - Salt Lake City, Utah - Jackson, Mississippi - Providence, Rhode Island - North Las Vegas, Nevada - Worcester, Massachusetts - Gilbert, Arizona - Ontario, California - Rancho Cucamonga, California - Santa Clarita, California - Aurora, Illinois - Brownsville, Texas - Fort Lauderdale, Florida - Huntsville, Alabama - Oceanside, California - Garden Grove, - California - Overland Park, Kansas - Fontana, California - Tempe, Arizona - Dayton, Ohio - Tallahassee, Florida - Vancouver, Washington - Chattanooga, Tennessee - Pomona, California - Santa Rosa, California - Rockford, Illinois - Springfield, Massachusetts - Pembroke Pines, Florida - Springfield, Missouri - Paterson, New Jersey - Corona, California - Salem, Oregon - Salinas, California - Hollywood, Florida - Hampton, Virginia - Eugene, Oregon - Grand Prairie, Texas - Kansas City, Kansas - Pasadena, Texas - Pasadena, California - Torrance, California - Syracuse, New York - Naperville, Illinois - Lakewood, Colorado - Hayward, California - Cape Coral, Florida - Sioux Falls, South Dakota - Bridgeport, Connecticut - Peoria, Arizona - Joliet, Illinois - Alexandria, Virginia - Warren, Michigan - Orange, California - Palmdale, California - Escondido, California - Lancaster, California - Fullerton, California - Port St. Lucie, Florida - Fayetteville, North Carolina - Mesquite, Texas - Sunnyvale, California - Coral Springs, Florida - Savannah, Georgia - Sterling Heights, Michigan - Fort Collins, Colorado - Elizabeth, New Jersey - New Haven, Connecticut - Hartford, Connecticut - Thousand Oaks, California - McAllen, Texas - Concord, California - Cedar Rapids, Iowa - El Monte, California - Topeka, Kansas - Waco, Texas - Stamford, Connecticut - Carrollton, Texas - Simi Valley, California - Flint, Michigan - Vallejo, California