All international career health plans are considered “surplus lines insurance,” and they do not fall under the supervision of the Department of Insurance (DOI) in the various states. The DOI does not interfere with international health insurance plans, but it insists that those plans are not used for domestic insurance coverage. The DOI does give allowances for furloughs and visits to the USA.
The understanding with most companies is that if you purchase or renew an international health insurance plan, you must leave the USA within 30 days. If you do not leave, your insurance will be cancelled. If you are spending your furlough near the Canadian or Mexican border, you can spend a night or two outside the USA and fulfill that requirement. Yet it is always best to plan your furloughs in such a way that your career insurance is renewed before you arrive in the USA. Put the renewal date on your calendar, and always keep that date in mind when you are planning a furlough. We realize that this is a headache, but it is what we must do!
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.