If you’re planning on traveling out of the country, you’ll want to look into short-term healthcare coverage. International health insurance plans are usually the best way to get this kind of coverage.

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Traveling abroad without coverage is risky, and medical care can be quite expensive if you end up needing it. Your health plan from your home country will not cover you, so you’ll need to pay out-of-pocket for emergencies if you decide to opt out of purchasing travel insurance.

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Travel insurance plans can cover a variety of emergencies, from minor injuries to treatment for pre-existing medical conditions. You’ll want to make sure to do plenty of research so your insurance policy covers everything you might need.

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Before you head out on your journey, take some time to compare international health insurance plans so you can experience the world with peace of mind.

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What Is an International Medical Insurance Plan?

International health insurance is protection for travelers and expats who plan on spending an extended amount of time outside of their country of residence — either for leisure or for work purposes.

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At Insured Nomads, our Connect (individual/couple/family) health insurance plans and Juvo (group/employee benefits) plans can be built to your specifications to covers everything you need for your lifestyle, from inpatient only, or to include outpatient, always including emergency care to preventative and chronic care. Here are the benefits you’ll receive if you opt into this insurance plan.

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Inpatient Care

An “inpatient” is someone who has to be admitted into the hospital for at least one night, but possibly longer. So, inpatient care simply refers to the act of caring for a patient who has to be admitted for medical observation and treatment.

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When you get medical coverage from your international travel insurance company, inpatient care is included, with some exclusions.

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Examples of inpatient care covered under your policy include a hospital stay due to childbirth, complicated surgeries such as organ transplants, and chemotherapy treatments. If you’re a U.S. citizen who’s traveling while pregnant, it’s a good idea to look into this coverage so you’ll have access to health care providers during your stay in a foreign country. Childbirth can be quite expensive, and even more so if there are complications, which makes health insurance coverage crucial.

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Having help covering medical expenses like chemotherapy or childbirth can save you a lot of money in the long run. Every traveler should be able to get the care they need while vacationing or working outside of their home country.

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Outpatient Care

An “outpatient” is someone whose care does not require them to stay overnight in a hospital. Patients who receive outpatient care will be consulted, treated, and discharged on the same day.

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Some examples of outpatient care that are covered by travel medical insurance include a consultation with a physician, a trip to urgent care or an emergency room, lab work and blood tests, and treatments that can be obtained outside of a hospital setting (e.g. over-the-counter medication found at drug stores).

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If you’re feeling under the weather or have minor health concerns, these types of visits will be covered under your Global Health Insurance plan.

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Mental Health Treatment

Travelers with travel health insurance can gain access to mental health professionals through both inpatient and outpatient care. Their doctor will be able to connect them with a therapist, psychologist, or psychiatrist who fits their needs.

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Insured Nomads also offers support for those struggling to overcome substance abuse. Your insurance plan will help cover the costs of obtaining the assistance you need. Traveling alone can be overwhelming for those in addiction recovery, which can often lead to relapse, so it’s a good idea to choose a plan that provides this kind of support.

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Miscellaneous Assistance

There are a variety of other medical issues that might come up while you’re on your trip, and we have coverage for those things as well. Some additional medical expenses that insurance covers include the following:

• An ambulance

• Emergency medical evacuation

• Vaccinations

• Preventative screenings

• Prescription drugs

• Vision coverage

Travel can be unpredictable, and Insured Nomads wants to make sure you’re prepared for anything that could come your way. As an extra layer of protection, you’ll also receive an INC membership when you purchase a Global Health Insurance Plan or a regular travel insurance plan.

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What Is an INC Membership?

Every expatriate or hobby traveler who receives a policy from Insured Nomads will also receive an INC membership at no additional cost to them. This membership gives you access to benefits that cover you even if you don’t file a claim for a medical necessity. It’s particularly useful for people who just want a little bit of extra protection for themselves and their trip.

Benefits include urgent travel updates (for instance, on emergency situations or virus outbreaks), country-specific information, and mental health services in the language you feel most comfortable communicating in.

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You’ll also get access to special perks and comfortable accommodations throughout your trip, which we’ll discuss below.

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Travel Comforts

With our INC membership, you’ll have access to things like a secure VPN (virtual private network) to protect your devices from public networks. Connecting to public WiFi in airports can put your sensitive information at risk, so a VPN encrypts your personal data and secures your connection against people who might be looking to steal your information.

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You’ll also be able to relax in the airport lounge and enjoy the comforts it has to offer while you’re waiting to board. This is perfect for you if you’re someone who likes to arrive early for your flight or who often has to take connecting flights. Airport lounges are often very accommodating, including amenities such as luxury food options, free spa treatments, and even a place to shower and sleep.

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Make Connections

Your INC membership also allows you to easily connect with people in the local community. If you’re traveling alone, this is a great way to make new friends, stay informed about the country you’re visiting, and immerse yourself in your journey. With this membership, you’ll have help creating meaningful connections and learning more about the local history as you explore.

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Important Information

If there’s anything you need to know while on your trip that could directly impact your health and wellness, we’ll make sure to notify you right away. This could mean health alerts sent out by the country you’re visiting, updates on the requirements surrounding vaccinations, or updates specific to people who are more susceptible to sickness.

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It’s hard to keep up with everything that’s important, so we make sure travelers don’t have to.

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Mental Health Counseling

Physical health benefits aren’t the only coverage you’ll get from your travel insurance provider. During an international trip, you’ll also have access to telemedicine services across a variety of languages, counseling with a therapist who has experience handling your unique needs, and guidance on how to perform a mental health assessment.

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Traveling can take a major toll on a person’s mental health, so we help make sure you’re looking out for yours.

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Emergency Situations

If you find yourself in a situation where you need to relocate due to a natural disaster, political threat, or other unexpected crisis, your insurance benefits will provide you with emergency evacuation and relocation coverage.

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You’ll also receive support for medical emergencies if they should arise and a panic button that you can activate any day at any time. (You’ll need the mobile app for this.) Emergencies happen, and this plan ensures you’ll have all the coverage you need in case one happens to you.

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How Much Does Health Insurance Cost?

None of our needs are the same so let’s build a solution that suits your budget and your lifestyle.

If you want to get an idea of how much you might pay before you apply, let’s message using the button in the right corner of this page or we can schedule a call to discuss it together.

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About Insured Nomads   

Insured Nomads is the first to take an integrated traveltech, fintech and insurtech solution to the world for remote workers, globally distributed teams, expats, and travelers. Their purpose is to make travel as safe and smart as staying at home. They do this by providing health insurance with exceptional medical benefits in tandem with wellbeing, safety, security, and advanced tech-enabled solutions for ease of payment for healthcare, emergency response and evacuation. Insured Nomads is available through affinity relationships, direct, embedded and through select brokers and partners for groups and individuals.

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When researching destinations and travel, Try Peanut - a free google chrome extension. It automatically displays travel requirements, visa rules and more on booking.com, expedia & google flights.

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Sources: 

How to Minimize the Risk of Relapse When You Travel | Hired Power

Complementary Medicines Overview | Therapeutic Goods Administration (TGA)

Inpatient vs. Outpatient Care: What’s the Difference? | Regis College

Inpatient vs. Outpatient: Different Types of Patient Care | St. George’s University

The Airport Lounge Scene: What You Get and How To Get in | The New York Times