Travel health insurance that counts as "credible coverage"
I am taking a long-term international trip of around 11 months. I am quitting my job, and so will lose my health insurance.
I am looking at different travel health insurance plans such as World Nomads and HTH. I will likely not have any domestic health coverage.
My concern is that when I return from the trip, whether or not US Insurers will recognize my travel health insurance as "credible coverage" and not as a gap in insurance (for which I could be excluded from coverage for certain conditions by a future insurer under U.S. law)
Does anyone have experience with this, returning from a long-term trip and trying to get insured?
UPDATE:
After researching World Nomads, IMG Global, and HTH Worldwide, I ended up selecting the highest possible deductible ($25,000) plan with HTH. This gave me a global health insurance plan (incl. USA) that cost about the same as the World Nomads plan, but without any of the additional travel coverages like trip cancellation, interruption, baggage coverage, etc. This plan counts as "creditable coverage" by US standards and is the least expensive plan I could find if your goal is just maintaining "creditable coverage".
Best Answer
Look for an international major medical policy and find out if they will issue a certificate/document of credible coverage. You should do this before you apply. I took a 14 month trip 3 years ago and had the same issue. I ended up with an international citizens policy also known as citizen secure. I ended up getting back on with my former employer thankfully, however I had the certificate they issued just in case I needed to get health insurance on my own through blue-cross.
Good luck in your travels!
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Which is the most reliable travel insurance?
Best Travel Insurance Companies of 2022- Best Overall: Travelex.
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- Best Value: InsureMyTrip.
- Most Comprehensive Coverage: World Nomads.
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- Best for Cruises: Nationwide.
- Best for Medical Coverage: GeoBlue.
Is there a difference between travel insurance and travel health insurance?
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The travel insurance policy covers death, permanent total disability, permanent partial disability and hospital expenses for injury and transportation of mortal remains caused due to any rail accidents or unfortunate events.Travel Medical Insurance for Digital Nomads and Expats
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