Travel Health Insurance for 8-9 Months
Mar 2, 2017, 12:50 pm
#1
Original Poster
Join Date: May 2014
Posts: 17
Travel Health Insurance for 8-9 Months
Hi Flyertalkers--
I'm going to Southeast Asia soon for about 9 months and realized I won't be covered during that period! I'll mostly be in the Philippines and Indonesia but will hop around to neighboring countries.
It's mostly 'leisure' staying with a friend of mine (my "host family") and maybe I'll do some informal volunteering with NGOs when I get there.
I'm young (mid/late 20s) and don't have any significant medical conditions/problems.
What do people in this situation do for health/medical insurance?
I'm going to Southeast Asia soon for about 9 months and realized I won't be covered during that period! I'll mostly be in the Philippines and Indonesia but will hop around to neighboring countries.
It's mostly 'leisure' staying with a friend of mine (my "host family") and maybe I'll do some informal volunteering with NGOs when I get there.
I'm young (mid/late 20s) and don't have any significant medical conditions/problems.
What do people in this situation do for health/medical insurance?
Mar 2, 2017, 12:59 pm
#2
Suspended
Join Date: Oct 2006
Location: Atherton, CA
Programs: UA 1K, AA EXP; Owner, Green Bay Packers
Posts: 21,690
Will you have insurance which covers you at home, but not when overseas? If that is the case, make sure you have medical evacuation insurance. An easy way to get a fair amount of coverage for this is via Diver's Alert Network membership.
If you won't have any insurance otherwise, then you need to look into getting that. It would be helpful to know what your citizenship is re: whether you're covered by government insurance vs. needing to buy private.
If you won't have any insurance otherwise, then you need to look into getting that. It would be helpful to know what your citizenship is re: whether you're covered by government insurance vs. needing to buy private.
Mar 2, 2017, 4:03 pm
#4
Join Date: Apr 2007
Location: Australia
Posts: 6,338
Good question! And good luck!
IIRC travel insurance tends to be available for trips not in excess of 90 days..... even my annual policy has that caveat....
Would be great to find a company offering extended terms.....
EDIT: Looks like it isn't that hard to find... here in Australia anyway... a company called 1Cover offers a 12 month term... with the ability to extend for another 12 months...
I didn't check costs versus a "traditional" (90 day limit per trip) annual policy....
IIRC travel insurance tends to be available for trips not in excess of 90 days..... even my annual policy has that caveat....
Would be great to find a company offering extended terms.....
EDIT: Looks like it isn't that hard to find... here in Australia anyway... a company called 1Cover offers a 12 month term... with the ability to extend for another 12 months...
I didn't check costs versus a "traditional" (90 day limit per trip) annual policy....
Last edited by trooper; Mar 2, 2017 at 4:08 pm
Mar 2, 2017, 9:55 pm
#5
Join Date: Mar 2004
Posts: 190
Look at a comparison website Insure My Trip. We found www.csatravelprotection.com there. Because you are not interested in the trip cancellation coverages (you are definitely going), put in $0 trip cost in the CSA search. This gives you just the IN TRIP coverages--medical/dental, emergency medical transport.
Mar 4, 2017, 11:40 am
#6
Join Date: Jun 2005
Location: Tri-State Area
Posts: 4,728
HTH Worldwide does short and long term stays. Reasonably priced, professional service, excellent coverage and reimburses in timely fashion. Both sons used it, one in HK for 6 years, the other in Peru for 7 months. Both needed medical care during their visits and we had positive experience with HTH each time. Includes med-evac although never needed...
My wife and I buy it if we go overseas for more than 10-14 days for personal reasons. Only time I don't get it is during business trips.
Also go through here for more options:
http://www.flyertalk.com/forum/trave...insurance.html
My wife and I buy it if we go overseas for more than 10-14 days for personal reasons. Only time I don't get it is during business trips.
Also go through here for more options:
http://www.flyertalk.com/forum/trave...insurance.html
Mar 5, 2017, 10:02 pm
#8
Join Date: Mar 2005
Location: MDW/ORD and the late lamented Meigs Field...
Programs: UA 1MM Premier 1K, Hilton Gold, Marriott Titanium/ LT
Posts: 1,229
Look at a comparison website Insure My Trip. We found www.csatravelprotection.com there. Because you are not interested in the trip cancellation coverages (you are definitely going), put in $0 trip cost in the CSA search. This gives you just the IN TRIP coverages--medical/dental, emergency medical transport.
May 9, 2017, 6:56 am
#9
Join Date: Jan 2017
Posts: 7
You should not take risk when you are in different country. I would suggest you to purchase a travel health insurance, which will protect you from any mishap. I always make sure to buy travel insurance when I am abroad. I prefer buying it from VisitorsCoverage where I can even compare plans before buying. It's worth a try.
Good Luck!
Good Luck!
May 10, 2017, 10:28 am
#10
FlyerTalk Evangelist
Join Date: Nov 2009
Location: Earth. Residency:HKG formerly:YYZ
Programs: CX, DL, Nexus/GE, APEC
Posts: 10,685
If you are volunteering with a NGO see if they have a plan for their volunteers or have access to a discounted plan for their volunteers from overseas.