Studying abroad can be quite challenging. Of course, it is also an exciting time for every student. Discovering a new country, meeting new people, and getting acquainted with a new culture are all things to await.
However, if you are planning on studying outside the US, you shouldn’t neglect to purchase international medical insurance. Because of your studies, you will spend a great amount of time abroad. This means that you will most likely face emergencies and other tough situations. So, it’s better to leave the US prepared, rather than getting caught by surprise in an unfamiliar country.
Why you Need a Medical Insurance
When traveling or living abroad you will face many challenges and many situations that you didn’t foresee. For this reason, it is always advisable to purchase medical insurance. Nevertheless, there are many students that, in addition to their international medical insurance, also purchase travel insurance.
International medical insurance will cover all of your medical needs while staying abroad. There are even packages that include dental and maternity care. This type of insurance often lasts from a few months to years. Travel insurance, on the other hand, is in effect for just a few months and can cover your needs while traveling abroad. If your studies are going to be short, then it might be a good option for you.
Different Types of Insurance Plans you Can Get
International medical insurance can vary significantly among different providers. All of them offer different types of plans, so you can easily find a plan that suits your needs and budget.
One of the things that can vary significantly among the different plans of insurance is the period of time that they are in effect. For example, you can find international insurance that is valid only for a month or one that has a yearly effect. Other optional bonuses that insurance can include is evacuation insurance, dental care, and mental health coverage.
What to Take into Consideration Before Purchasing a Medical Insurance
Before purchasing an international medical insurance plan, it would be good for you to check a couple of things. First of all, make sure that your current plan doesn’t cover the region you are going for your studies. Even though it’s not common, some insurances are still valid abroad.
Another thing that you need to check before you go on with your insurance purchase is whether your college offers an insurance plan. The institutions with well-established offices usually take care of their international students. However, this insurance plan might be a little pricey.
Lastly, before applying for medical insurance find out all the requirements. Every company follows a different policy, so there might be limitations that won’t cover your case. So, it is essential that you review all the plans carefully.
Limitations of the Medical Insurance
As it is expected international medical insurance also has its limitations.
First of all, the medical expenses that it covers are only up to a certain amount. However, this amount is normally sufficient for your needs. Another thing that this type of insurance covers are the expenses that refer to physical therapy. So, if you have any specific needs for physiotherapy, make sure to check the available plans with extra care. Lastly, international medical insurance covers just one person. A typical student won’t face any problem, however married students will have to look for an insurance that covers both of those persons.