• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
International Citizens Insurance
  • Home
  • Individual Plans
    ▼
    • International Health Insurance Plans
      ▼
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      ▼
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      ▼
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    ▼
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    ▼
    • Cigna Global Insurance Company
      ▼
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      ▼
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      ▼
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      ▼
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      ▼
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      ▼
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      ▼
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      ▼
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    ▼
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    ▼
    • Health Insurance Plans in North and Central America
      ▼
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      ▼
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      ▼
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      ▼
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      ▼
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      ▼
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      ▼
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    ▼
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      ▼
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Request a free international health care quote

Or call for a quote:
877-758-4881
+44 (20) 35450909

International Citizens Insurance

Medical and Travel Plans!

U.S. 877-758-4881 - Intl. +44 (20) 35450909

Request a Quote
  • Home
  • Individual Plans
    • International Health Insurance Plans
      • Top 10 International Health Insurance Companies
      • Student Insurance
      • Overseas Health Insurance
    • Expatriate Insurance
      • Insurance for American Expats Abroad
      • Canadian Expats – Insurance and Overseas Health
      • Expat Insurance for Japanese Abroad
      • Expat Insurance for Germans Living Abroad
      • Expat insurance for Brazilian Citizens Abroad
    • Travel Insurance
      • Travel Medical Insurance Plans
      • Visitors Insurance
      • Top 10 Travel Insurance Companies
      • Evacuation Insurance Plans
      • Trip Cancellation Insurance
      • Student Insurance
    • International Life Insurance
  • Group Plans
    • Corporate and Employee Groups
    • Missionary Groups
    • Volunteer Programs and Non-Profits
    • School Groups
    • Top 10 Group Health Insurance Companies
  • Insurance Companies
    • Cigna Global Insurance Company
      • Cigna Close Care
      • Cigna Global Health Insurance
      • Cigna Healthguard
    • GeoBlue
      • Xplorer Health Insurance Plan
      • Navigator Student Health Insurance
      • Voyager Travel Medical Insurance Plan
      • Trekker Annual Multi-Trip Travel Insurance
    • Integra Global
    • International Medical Group
      • Global Medical Insurance Plan
      • Patriot Travel Insurance
      • GlobalFusion Health Insurance Plan
      • Student Health Advantage
      • Patriot Exchange – Insurance for Students
    • Now Health
      • SimpleCare Health Plan
      • WorldCare Health Plan
    • Seven Corners
      • Travel Insurance with COVID-19 Coverage
      • RoundTrip Cancellation Insurance for U.S. Residents
      • Wander Frequent Traveler Plus
    • Trawick International
      • SafeTreker Travel Insurance Plan
    • Unisure Group
    • William Russell Insurance
      • William Russell Life Insurance
      • William Russell Health Insurance
    • WorldTrips
      • Atlas Travel Insurance
      • StudentSecure Insurance
  • Compare
    • Compare Global Health Insurance Plans
    • Compare Travel Insurance Plans
  • Country Guides
    • Health Insurance Plans in North and Central America
      • Health Insurance in the USA
      • Health Insurance in Mexico
      • Health Insurance in Canada
    • Understanding Health Insurance in South America
      • Health Insurance in Argentina
      • Health Insurance in Colombia for Foreigners
      • Health Insurance in Chile
    • European Health Insurance
      • UK Health Insurance Plans for Foreigners
      • Health Insurance in Germany
      • French Health Insurance
      • Italian Health Insurance
      • Health Insurance in Sweden for Foreigners
      • Portuguese Health Insurance
      • Health Insurance in Spain for Foreigners
    • Health Insurance Plans in Asia
      • Health Insurance in China
      • Health Insurance in Japan
      • Health Insurance in Dubai
      • Health Insurance in India
      • Thailand Health Insurance
      • Malaysian Health Insurance for Foreigners
      • Health Insurance in Singapore for Foreigners
    • Understanding Health Insurance in Oceania
      • Australian Health Insurance for Foreigners
      • Health Insurance in New Zealand
    • Health Insurance Options in Africa
      • South Africa Health Insurance for Foreigners
    • Travel Insurance Plans by Country
      • USA Travel Insurance
      • Australia Travel Insurance
      • Mexico Travel Insurance
  • Resources
    • News, Global Health Advice, and Travel Tips
    • Insurance Articles
    • Travel Advice and Tips
    • Seniors Travel Insurance
    • International Hospitals for Expatriates
      • Best Hospitals in the United States
      • Best International Hospitals in the UK
      • Best Hospitals in Mexico
Home > Resources > International Insurance FAQs

Frequently Asked Questions

International Health and Travel Insurance FAQs

Global Travel Medical Insurance Terms and DefinitionsFind answers to the most frequently asked questions about international health and travel insurance plans. The process can sometimes be confusing if you have not done this before. For some of the more complicated questions, we will direct you to articles we have written with in-depth insight. You can always contact us to schedule some time to get your specific questions answered if you don’t find them below.

Why Work with an International Insurance Brokerage?

As a broker with licensed agents who are experts in all of these plans, we can guide you through the process, answer your questions, and assist you through the application process and during your coverage. We work for you. The plans cost the same when you buy through our website – so why not have an expert on your side when working with the insurance company? Need to know more? Read Why Work with an International Insurance Agent.

What Products are Available?

Traveling abroad comes with risks, both financial and medical.  Although planning for every possible contingency is impossible, travelers can reduce the risks and/or the cost of a medical emergency by considering the purchase of 3 types of insurance for their trip: Trip Insurance, Travel Medical Insurance, and Global Health insurance plans. These insurance policies can be purchased before a trip to provide coverage in the event of an illness or injury and may be of particular importance to travelers with chronic medical conditions. Basic accident or travel insurance may even be required for travelers to certain destinations. If you need other international products, ask us. If we don’t have an option, we can refer you to a partner that will assist you.

What are the Benefits of Travel Insurance?

Travel Insurance protects the financial investment in a trip, including lost baggage and trip cancellation. Travelers may be more likely to avoid travel when sick if they know their financial investment in the trip is protected. Depending on the policy, this type of insurance may or may not cover medical expenses abroad, so travelers need to carefully research the coverage offered to determine if additional travel health and medical evacuation insurance is needed.

When Should I Purchase a Travel Medical Plan?

When traveling internationally your private health insurance coverage may not fully meet your health needs while you’re in another country. Some policies may restrict the coverage available to you outside of the U.S. and a Travel Medical policy helps supplement your current coverage while you are outside of your home country.

Travel Health plans provide medical coverage for travelers for a short period of time.  Most people purchase these plans when they leave the country for international trips during business, holiday, or vacation. Short-term travel health plans may not be renewable.

Why Buy Global Medical or International Health Insurance?

For individuals, expatriates, families, or groups who will be abroad for an extended period of time (typically 2 years or more), a Global Medical Plan may be the best option.  Typically, these are annually renewable plans covering the insured individual for a period of 12 months (or one year).  These plans are comparable to the standard medical plans you might receive from your employer.

You can also learn more by watching this 20-minute video:
Top 5 Questions to Ask When Selecting International Insurance

What are Pre-existing Conditions and Are They Covered?

A pre-existing medical condition is generally an illness or pre-existing medical condition (i.e. pregnancy) that is present prior to the time of your application. Pre-existing conditions are not always covered, but some insurance companies do offer pre-existing conditions benefits.

Can I Get Coverage for Maternity While Abroad?

Maternity and pregnancy benefits are typically excluded from travel insurance plans as pre-existing conditions (see above). Global Medical Health Insurance plans will cover maternity benefits after a pre-determined waiting period.

How Do I Find a Doctor When Traveling Abroad?

To find a doctor while abroad, expats and visitors should read about the network of doctors that are provided to residents and international travelers who have insurance coverage. Finding an international doctor is easy because the insurance company you choose to purchase from will provide you with an extensive list of international medical providers. You can call the assistance number on your insurance card for assistance.

Learn More About International Insurance Plans

  • Watch Video: Top 5 Questions to Ask When Selecting International Insurance
    • In this 20-minute video, you will learn about the top 5 questions to ask when selecting international insurance. You will no doubt walk away with the knowledge you need to select the right plan for you!
  • Read: International Medical Insurance or Compare Global Health Insurance – Long-term Health insurance for expatriates and global nomads living abroad for a year or more.
    • Find the 10 Best International Health insurance Companies
  • Compare Travel Medical Insurance listed below
    • Read: Travel Medical Plans or  – Covers medical expenses as well as other risks when traveling overseas for less than a year
    • Read: Trip Insurance Options  or Compare Trip Insurance – Covers the cost of your trip with some additional benefits (lost luggage, trip delay, etc.)
    • Find the Best Travel Insurance Companies
Share this

Primary Sidebar

Search Website

Related Pages

  • Deductibles, Co-Pay and Out of Pocket Maximums
  • Finding an International Doctor
  • How Much Does Healthcare Cost in the USA?
  • Pre-Existing Conditions in International Health Plans
  • Video: Top 5 Questions to Ask When Selecting International Insurance
  • Glossary of Terms
  • Travel Resources

International Citizens Insurance

Offering the best international health and travel insurance plans.

Pick a Plan


We Contact You

One of our expert international insurance brokers will respond to you promptly.

Request a Quote Today

Get a fast, free, expat insurance quote.

Request a Quote

Footer

Global Medical Plans

International Health Insurance
Cigna Global Health
GeoBlue Xplorer Premier
IMG Global Medical
Now Health International
William Russell

Specialty Coverage

Overseas Health Insurance
US Citizens Abroad
US Health Insurance
Senior Travel Insurance
Visitors Insurance Coverage
Schengen Visa Insurance
Annual Multi Trip

Company Info

About Us
The Team
International Brokers
Testimonials
Agents / Affiliates

Customer Service

United States 877-758-4881
US Direct 617-500-6738
International +44 (20) 35450909
US Travel Insurance Association Member International Citizens Insurance Business Review

18 Shipyard Drive, Hingham, MA 02043 USA | info@internationalinsurance.com

Contact US | Privacy Policy | Licensing | Sitemap

Copyright © 2023, International Citizens Insurance, an International Citizens Group, Inc. company


Note: Covid-19, or Coronavirus, coverage is not included in all plans offered on this website. Please indicate your desire for this coverage when working with your agent.
International Citizens Insurance is a licensed agency providing guidance on international insurance plans. Select products and services listed on this site may not be available to citizens or residents of certain countries.
This site provides consolidated and summary descriptions of insurance plans, benefits, conditions, limitations, and exclusions. A certificate containing the complete certificate wording with all terms, conditions, and exclusions will be provided at the time of purchase or upon request. For additional advice and guidance, contact us for assistance.
International Citizens Insurance is a subsidiary of International Citizens Group, Inc. In the State of California, operating as International Citizens Insurance Agency. California Non-Resident Producer License Number: 6005545.

By continuing to browse this website you are agreeing to our use of cookies.