<p>DS is considering travel overseas for around a year; health insurance is only good for in state. How does one obtain health insurance coverage for extended stay overseas? Thx for any and all help.</p>
<p>what ever he does, he should get emergency evacuation insurance through On Call International, just in case.
[On</a> Call International - Emergency Medical and Travel Assistance](<a href=“On Call International”>http://www.oncallinternational.com/)</p>
<p>Try SOS. Get an instant quote by entering info on right side of opening page.</p>
<p>[International</a> SOS](<a href=“http://www.internationalsos.com/en/]International”>http://www.internationalsos.com/en/)</p>
<p>DD has IMG. She used it when she had a 4-week internship and has been using it for the year plus that she is teaching English.</p>
<p>[Travel</a> Insurance, Travel Health Insurance, International Travel Insurance ? IMG Insurance](<a href=“http://www.imglobal.com/index.aspx]Travel”>International Health & Travel Medical Insurance - IMG)</p>
<p>Insuremytrip.com will let him compare several different carriers. There are other websites that do that too. If he google something like “travel insurance comparison” he should hit some useful links.</p>
<p>Medjetassist is another form of insurance that will allow patient to be medivacced from the hospital 150+ miles away from “home” to the hospital of the patient’s choice. It has annual fees that are quite reasonable and even a family plan. Medical evacuation can be VERY expensive!</p>
<p>Insuremytrip.com is the Expedia of travel insurance. When I realized that, I called and spoke with a rep at every company. They work on commission and if I had used the one Insuremytrip recommended online, it would have been almost twice the cost of Travel Guard, which I used. All included medical emergency evacuation.</p>
<p>The trip involved travel during the hurricane in the NE last year so I did need to collect because of a canceled flight and they paid promptly.</p>
<p>My health insurance plan claims to pay for overseas care and medical evacuations, but you have to front the money and then file a claim. This would be ok for small stuff but if it was a major expense this could be a problem.</p>
<p>We are taking a trip in July, I’m wondering if it would be smart to spend $100 on a TravelGuard policy, that seems like it would be a lot easier to deal with.</p>
<p>Be sure to read the fine print on what IS and IS NOT covered by your health insurance as well as any plan you’re contemplating. For us, our health insurer says it will reimburse up to usual & customary rates but DOES NOT cover medical evacuation. If I was going to a country far from my home, I would consider something like medjetassist (AARP family rate is only $325). It would medically evacuate you from whatever hospital you are in back to the hospital of your choice. Most plans do not allow the patient to choose the hospital–this one does. It’s attractive that it allows for family coverage including kids under 17 for an entire year.</p>
<p>The travel guard policy our agent wanted to tack onto our cruise is $257. We’re declining, as we have for decades – self-insuring.</p>
<p>My SIL, who has bad travel karma, gets trip insurance whenever they leave the country. The time that they had to come home early from Italy because she broke her wrist in a fall is the most recent example. The insurance paid for the medical care as well as the additional cost to change their flights home, hotel cancellations, and everything else. Since she had to wait to fly (airline rules regarding recent fractures), the insurance also covered hotel wherever she was flying from. </p>
<p>I think she gets Travelguard. </p>
<p>While European medical care is good, in many parts of the world it isn’t so having evacuation coverage is almost mandatory. I also wouldn’t trust the foreign country to cover the costs of care.</p>
<p>I guess we have great travel karma collectively. None of us have ever required any medical attention while traveling of our extended nearly 30 person family. Hope we keep the great karma. The travel insurance industry sure would have made a lot on premiums from us over the decades.</p>
<p>cap, has your D had to use her IMG insurance. It looks great but I wonder how easy it is to process internationally. For example, does she have to pay up front and be reimbursed?</p>
<p>Thank you all so much for your help. We went with IMG. I never would have found them without your help; even contacting local insurance agents did not lead to those international companies. Will let you know if we have to use 'em how they work. Puzzled, it did seem that you would have to pay up front for standard medical care (not emergencies or related tests). You do have to precertify as soon as you are able, which is to say let the insurance co. know you will be using medical services. I confirmed that in an emergency you don’t need pre approval, but that for planned tests and as soon as you can after emergency you should contact them for approvals. Does that agree with what those of you who have used this IMG insurer have experienced? Thanks again.</p>