Not all short-term plans are equal–so be careful. One thing to study closely is the “Benefit Period,”–the length of time medical care is extended after an injury or sickness. Here is the problem: You are insured for a two-week trip. During the last day for your trip you break your ankle. Your insurance coverage expires the next day. But what about the broken ankle? Most short-term plans provide a six-month “Benefit Period” from the time of the accident. But there are still things to watch for: Will they give you complete coverage for your plan if medical care is received in the USA and not overseas? Do they require you to seek help outside the USA first? Do they limit coverage if medical care is received in the USA? And do they offer a six-month benefit period? We do have some good short-term plans with six month benefit periods.
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