If you spend extended period of time overseas, or if you are a non-US citizen who spends long periods of time in the US, you should consider what type of health insurance will best meet your coverage needs. Those who spend at least six months at a time travelling abroad may not be covered by the same health insurance plan that they have in their home country.

Before leaving their home country, travelers should consider purchasing an international travel insurance. With the right travel insurance plan, travelers can feel confident that they are saving money and will receive good medical care for the duration of their overseas stay.

Short term travel insurance typically only offer emergency coverage, while long term travel insurance includes coverage for preventative care after a waiting period. Long term plans include coverage for routine doctor visits along with a high level of coverage for annual health screenings and general medical care.

These insurance plans, like those offered by Global Citizen, include a wide range of coverage with varying deductibles designed to match anyone's budget and medical coverage needs. Whether you are travelling for business or for pleasure, it's important to be able to select a deductible that will meet your needs.

Unlike short term plans, international travel insurance covers care received both outside the US and inside the US, for those who occasionally return home to visit during their overseas stay. Travelers won't have any gaps in coverage if they travel between countries with this type of insurance plan. With health insurance, coverage is offered for surgery, inpatient care, physical therapy and prescriptions, and includes coverage for doctor visits. Reducing your medical bills and receiving quality medical care while in a different country allows you to save money while traveling overseas.

To protect you and your family while travelling abroad, international travel insurance offers affordable rates and many deductible options. You won't have to worry about travelling back and forth between the US and your home country - you will be protected during your entire stay.

If you are preparing for an extended overseas stay, you need to consider purchasing a worldwide health insurance. No matter where your destination is, with the right international insurance, you can receive coverage for emergencies and receive high-quality medical care for the duration of your travels.

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