Short Term international health insurance plans are a kind of fall-back plans which is designed for people traveling outside their home country for less than a year. The other categories of people who typically opt for short term international travel health insurance plans are those on a vacation abroad, missionaries or executives traveling on work.

The international health insurance coverage benefit of the short term plans is available for people of all age groups though maximum medical coverage benefits can be enjoyed by people who are typically less than 70 years old. Individuals can also cover their spouse and dependent children.

These plans cover various medical exigencies that may result in surgeries, doctor consultation, hospitalization or emergency repatriation. The individuals are not eligible for coverage of pre-existing medical conditions that exist at the time of enrollment. In addition, these insurance plans do not reimburse for routine check-ups, dental treatments preventive care tests and vaccination.

The short term international insurance plan is valid right from 5 days up to a period of 1 year. You can renew these plans for a consecutive period of 36 months. For individuals seeking coverage for more than a year, long term insurance plans are more suitable.

Long term international medical insurance plans offer coverage for more than a year and the premium rates of these health insurance plans is calculated based on the services for which coverage is required. The plan is generally renewed on a yearly basis.

Long term insurance coverage is suited for travelers planning for an overseas trip for more than a year, professionals, executives, expatriates, marine crew workers and missionaries who are staying abroad for work purposes and make multiple trips to their home country every year.

The long term international travel health insurance plans offer coverage benefits worldwide across all countries around the globe. Coverage is available for individuals even in the homeland unlike short term medical insurance plans which provide limited coverage in the country of citizenship.

Individuals can choose from two types of benefits in the international travel insurance – Fixed and comprehensive benefits. Coverage is different for both the benefits and range from various services including Depending on the plan you choose you can avail coverage for various medical expenses which include preventive care (after a waiting period), doctor consultation, hospitalization, surgeries, maternity coverage, emergency evacuation, medical assistance or Repatriation.

Ray Sondeo often writes about international insurance.

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