If you travel internationally on a regular basis, you need to get world wide health insurance. If you are a U.S. citizen with medical insurance from your local agent, it is unlikely to pay any benefits while you are overseas. To guarantee that you will have adequate coverage whether you are in the U.S. or another country, your world wide health insurance plan will be wherever you are. It would be extremely difficult to get coverage and then drop it when you are back in the U.S., just to purchase it again when you are traveling again.
These types of health plans are very similar to a health plan you might have on your job, or locally through an agent. You will have a deductible, which means that you will not be covered at all until after your expenses have exceeded this level. Deductibles are just a way to keep the medical insurance premiums lower. If you wanted to have a low deductible, your premiums would increase dramatically.
Most world wide health insurance plans will allow you to add a maternity rider, life insurance rider and usually a rider to cover dental insurance. These riders will obviously increase your premiums. You should make sure to ask to have them added as these are usually not standard items of coverage. When applying for this type of health insurance, pre-existing conditions must be noted on your application. Insurance companies that offer these plans consider pre-existing conditions as excluded from coverage for at least a period of time and sometimes they are excluded permanently. These insurance plans are just the best way for a person whose life involves continuous travel between different countries. It is portable and will cover you anywhere you happen to be. For those you live or work in two different countries it just makes medical insurance a lot simpler.
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