What is Short Term International Health Insurance?
Short term international health insurance provides temporary medical coverage for individuals traveling or living abroad for a limited period. This type of insurance is designed to cover unexpected medical needs, including doctor visits, emergency care, and hospital stays while you're outside your home country.
It offers flexible terms, typically ranging from a few days to several months, and is ideal for travelers who don’t need long-term or permanent coverage. This temporary insurance can help prevent large out-of-pocket expenses in case of illness or injury overseas.
Who Needs It
Short term international health insurance is suitable for a variety of travelers, including:
- Tourists taking extended vacations abroad
- Business professionals on short-term international assignments
- Students studying abroad for a semester or less
- Digital nomads and remote workers living abroad temporarily
- Missionaries and volunteers traveling internationally
What It Typically Covers
Coverage can vary by plan, but short term international health insurance generally includes:
- Emergency medical treatment
- Hospitalization and outpatient care
- Doctor visits
- Prescription medications
- Emergency medical evacuation
- Repatriation of remains
Some plans may also include limited coverage for COVID-19, dental emergencies, or accidental death and dismemberment.
Common Exclusions and Limitations
Short term international health policies often exclude coverage for:
- Pre-existing conditions
- Routine or preventive care
- Maternity and childbirth (unless specified)
- Mental health treatment
- Travel for the purpose of medical treatment
Always review the policy details to understand what is and isn’t covered.
Factors That Influence Cost
Several factors affect the cost of short term international health insurance, including:
- Age of the insured
- Length of coverage
- Destination country or region
- Coverage limits and deductible amount
- Optional add-ons, such as coverage for extreme sports
Proof of Insurance & Compliance
Some countries require proof of health insurance for visa approval or entry. Short term international health insurance typically includes documentation you can use to show coverage. Requirements vary by country, so it’s important to verify with the local embassy or consulate before traveling.
How to Get a Quote
Getting a quote is quick and easy. Just provide your travel dates, destination, and a few personal details to explore available coverage options. Get a quote today to find a plan that fits your needs.
Frequently Asked Questions
Can I buy international health insurance after leaving my home country?
In most cases, you must purchase coverage before you depart. Some providers may offer coverage shortly after departure, but options may be limited.
Does this insurance cover COVID-19?
Some plans include limited coverage for COVID-19-related medical expenses, but this varies by provider. Check the policy details to confirm.
Is coverage available for multiple countries during one trip?
Yes, many plans cover travel to multiple countries, as long as they are listed in your policy. Be sure to include all destinations when applying.
Can I extend my coverage if my trip is longer than planned?
Some insurers allow you to extend coverage, but you must do so before the policy expires. Extension options depend on the provider and plan terms.
Will this insurance cover me in my home country?
No, short term international health insurance is designed for use outside your home country. It typically does not provide coverage once you return.
Still have questions? Talk to a local insurance expert.