REMEMBER, with most international health plans, if you renew your career plan while in the USA you will need to leave within 30 days. The international insurance companies require this in order to satisfy the Department of Insurance (DOI) guidelines in the various states. The DOI is concerned about protecting domestic insurance companies; therefore, by requiring a person who applies for and/or renews his policy to leave the USA in 30 days is one way they do it.
The insured under an international policy should make sure that he/she is outside the USA at the time of renewal, or, if in the USA, he/she will be leaving for overseas within 30 days. If you do not follow these guidelines, your policy will not be renewed.
For a pregnancy, this could be a real concern. With all international career policies you get at least six months of furlough coverage in each policy year. Try to work it out that your renewal period does not happen during your furlough when you may be waiting for the delivery of a baby. If it does, and you live near the Canadian or Mexican border, that will be no problem. You can just drive across the border and spend a night to satisfy the “leaving the USA” requirement. But if you are a distance from the border, that would be difficult.
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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.