Most of us may not be aware of the fact that most of the insurance companies do not extend their cover if we leave the shores of US for business or vacation. It implies that we do not enjoy insurance coverage for the period we are out of our country, and, should any medical emergency arise during that period, it has to be faced and borne by us alone!



This is a standard clause which is incorporated in the policies of every insurance company. So, there is no use in fretting and fuming over it. Rather, the prudent way out would be to go for international travel insurance.

These policies are basically of two varieties – the short-term travel insurance and the long-term global medical coverage. Many such policies include coverage of not only emergency medical evacuation but emergency political evacuation too. These policies also include coverage of emergency medical repatriation and reunion and are unique in the sense that they all provide global assistance and access to medical treatment anywhere around the globe including the US. So, if you are a frequent traveler or spend a reasonable period of the year outside the country, it would immensely benefit you if you take such a policy, since you need not to worry at all whether you are within the coverage or not.

These international insurance plans are available for all categories of persons including employees of multinational companies, foreign VIPs and even missionaries! The business houses and multinational corporations can also take out group international insurances for their employees who have to frequently leave the shores of their motherland.

In addition to the medial assistance, these policies also provide a variety of other related helps which a frequent traveler will gratefully acknowledge. These include assistance in getting a replacement drug if the drug prescribed by the US based doctor can not be procured for the local market. The insurance companies, in some cases, will also arrange for the dispatch of a specialist and bear all the related expenses. They will also arrange for emergency travel of relatives if it is covered under the policy and the situation so demands. Other than these assistances, the insurance companies will provide with legal and consulate referrals if the traveler faces problems of lost passport or travel documents or is unable to comprehend the local language or laws of the land. So, that more or less covers all aspects from where a frequent traveler might face some sort of problems.

It is obvious that all the frequent travelers must buy such policies and they cost a fortune either. It is indeed surprising that in spite of provide such a slew of additional benefits, they are surprisingly reasonably priced and most of them also do not require the past medical history of the person to be insured.

The International Medial Group is one of the well known insurance companies which has an immense goodwill in the field of international travelers insurance. They have a large number of policies in this category and a person can surely find the one which suits him best.

The ideal way to choose a particular policy would be the various websites available on the net which offer guidance and provide professional suggestions in this regard.