For those who travel overseas for extended periods of time, or for non-US citizens who spend time in the US, it’s important consider what type of health insurance is needed prior to traveling. Despite what many people believe, if you are traveling for at least six months at a time, you may not be covered by the same health insurance you have in your home country while traveling abroad.

Travelers should consider purchasing an worldwide travel insurance plan before leaving home, whether they are traveling for business or for pleasure. No matter where you travel, by protecting yourself and your family with international insurance, you can feel confident that you and your family will receive affordable, high-quality medical care.

Short term travel insurance plans typically only offer emergency coverage, while long term international 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.

Plans that include worldwide travel insurance, like those offered by Global Citizen, typically offer a wide range of coverage, including deductibles that can range from $0 for Elite customers up to $25,000 for the lower-tier plans. Having the flexibility to select a deductible you are comfortable with is important to consider when you are planning for an extended stay overseas.

Unlike short term plans, international travel health 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.

International travel health insurance covers not only routine care, but also offers coverage for surgery, inpatient care, physical therapy and prescriptions. By having insurance that covers your medical needs outside of your home country, you can reduce your overall medical bills and save money during your trip.

With affordable rates and numerous deductible options to choose from, international health insurance plans are the best way to protect you and your family while living abroad. With an international plan, you don’t have to worry when traveling back and forth between the US and your overseas home you will be protected for the duration of your stay.

Be sure to consider the importance of purchasing a international health insurance plan for you and your family when preparing for an extended stay in another country. No matter where you travel, protect yourself and stay healthy with affordable health insurance that allows to feel confident that your needs will be covered.

Dan Miller frequently writes about worldwide health insurance