Don't let an accident or illness ruin you financially. Make sure you have insurance where you are living and where you are traveling. It's so simple with International Medical Group (IMG). See just how inexpensive peace of mind can be with an instant free quote. Chose whether it's for a trip or permanent living outside your home country with expat worldwide insurance.
Expat Worldwide Insurance
Many people living abroad question whether they need medical insurance to cover them in their new home country. Most countries outside the US have very low-cost medical care, and some expats choose to just pay out of pocket for any medical expenses they incur. If you're younger and don't have any health problems, doing this may just be OK. Being young isn't going to help you if you get hit by a bus, but again, the cost of medical care in other countries is a fraction of the price of the US, therefore paying out of pocket with the money you could save by not having expat worldwide insurance may be beneficial.
Many countries offer a government established insurance plan, and it's relatively inexpensive. These types of insurance are the choice for many living abroad. What you need to remember is that most of these plans don't cover you if you're outside your home country. What if you decide to take a vacation to another country. How will you be covered? That's where having an expat worldwide insurance plan helps. It takes care of you where you're living, and any travels you take. It will even cover you if you're a US citizen and decide to visit the US. The United States is one place you don't want to be without medical insurance. An accident in the US could wipe you out financially. Having this kind of insurance gives you some very powerful peace of mind.
Travel Medical Insurance
The same thing applies to travel medical insurance. You don't live abroad but decide to take a vacation to Mexico. If you're still working and have insurance through your employer, many will cover you when traveling on vacation. But you should check. Medicare in the US stops at the border. It won't cover you outside the US. You don't want to be in a foreign country without medical insurance. Think of worse case. You are in an accident, and you need to be flown back to your country of origin for treatment. Do you know how expensive that would be? Most travel insurance policies cover evacuation back to your country of origin. These are the type of things you need to consider when taking a vacation. Travel or trip medical insurance is different than expat worldwide insurance and an inexpensive item for the peace of mind it can bring.
Do you need a travel/trip insurance or expat worldwide insurance, that's that question. Remember what insurance is. It's to give you peace of mind. And most of all, I hope you'll never need to use it.